Underwriting

Insurers can dismantle organizational silos by shifting from project-based work to product teams built around shared capabilities like underwriting and claims.

Private equity is systematically acquiring the unregulated, fee-generating operations around insurance carriers, with broad implications.

MGAs have grown to $114 billion in premium but lack time and capital to build AI infrastructure themselves.

There is a question about AI no one is asking out loud: Are the efficiencies worth more as a cost saving, or as time freed up for other work? 

Insurers need a practical blueprint for where to apply AI first, how to move beyond pilots, and how to scale the technology responsibly.

As AI reshapes decision-making in insurance, the industry faces a critical question: Who holds liability when algorithms influence consequential outcomes?

...It has a design problem. Insurers risk wasting AI investments by prioritizing technology over understanding the workflows and needs of the people using it.

Commercial drones are embedding aviation exposure into everyday small business operations faster than underwriting processes can adapt.