Robin Luo

Robin Luo is senior vice president at Munich Re/HSB Group.

Most Recent

White Vehicle Crossing a Tunnel in a Snowstorm

IoT Sensors Transform Winter Insurance Protection

IoT sensor technology emerges as critical defense against extreme weather events, presenting a huge opportunity for insurers.

Six Things

Lemonade Throws Down the Gauntlet

By Paul Carroll

The 10-year-old insurtech carrier claims it has an insurmountable lead in AI — an overly bold assertion, but one that deserves a hard look.

Coder Cannibalism

Developers who automated other industries now face AI displacement themselves, as technical certifications prove less valuable than human judgment and accountability.

5 Operational Shifts for Scaling Insurance AI

Insurance AI is shifting from the wow factor of innovation to the how factor of sustaining automation at scale.

Independent Agencies' Top Priorities for 2026

As carrier appetites shift and underwriting tightens, independent agencies turn to AI automation to streamline workflows and boost operational efficiency.

Improving Understanding of Risk Appetite

AI-driven appetite scoring can filter submissions, delivering efficiency gains in underwriting that exceed 30% across P&C lines.

Group Benefits Enters Decisive Phase

Platform consolidation among carriers usually promises modernization, but group benefits relies on "frankenstacks," so merging may deliver rigidity when adaptability matters most.

Should Brokers Trust Their Insurtech Vendors?

A study finds that two-thirds of brokers believe insurtech vendors overstate ROI promises, revealing a significant trust gap in the industry.

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