Underwriting

Insurers rushing to adopt AI risk missing a crucial step: building the underwriting fundamentals that make technology effective.

Regulators aren't asking if your AI works—they're asking which named human was accountable when it didn't. If there isn't one, the person on the hook may be you.

As risks evolve faster than models predict, insurers must reprice unavoidable exposures at the speed of global change.

Fraud networks exploit multiple digital identities across accounts and websites, making digital entity resolution critical for preventing fraudulent payments.

AI isn't just allowing for efficiencies in underwriting, it's letting carriers make much faster, smarter decisions on how to manage their whole portfolio. 

ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance.

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

As Excess & Surplus shifts from last resort to first step, technology helps agents submit cleaner risks and build stronger carrier partnerships.