Upendra Belhe

Dr. Upendra Belhe is president of Belhe Analytics Advisory.

With over 30 years of experience in the P&C insurance sector, Dr. Belhe has held senior leadership roles in global insurance organizations. Dr. Belhe now collaborates with insurers, insurtech firms, and investors to develop and implement analytics strategies.

Most Recent

AI Changed a $500 Million Reserve Development Story

AI Lets Insurers Avoid Reserve Surprises

By

AI-enabled decision intelligence helps insurers integrate fragmented enterprise data before reserve surprises become $500 million problems.

All Articles

An artist’s illustration of artificial intelligence

How to Integrate Generative AI

By

Carriers must ensure data readiness, carefully validate outputs, and adopt governance structures that balance speed with compliance.

Tornado and lightning hitting a small village

Property Underwriting for Extreme Weather

By

Pushkar Bhattacharya

Insurers have massive databases from simulation models and satellites when it comes to weather and climate. The problem is figuring out how to use them to their full potential.

data

How External Data Changes the Landscape

By

Many P&C carriers say they will become more data-driven, and many of them have tried -- but the results can be much better.

words

The Buzzword of 2022 Is... PDAAS?

By

The forward-thinking approach in the P&C market is to provide the required property data as a service (PDaaS) to carriers.

Framework for Litigation Spending

By

There is a general lack of strategic insight in managing claims litigation, a huge spending bucket.

Six Things

Insurance

Insurance Innovation: The View From Asia

By Paul Carroll

While the "not invented here" attitude is well-known, there is an "invented here" bias among us Americans when it comes to innovation. The view from Asia looks rather different.

AI's Conundrum for Underwriting

Underwriting AI systems are designed to assist rather than replace human judgment, but this efficiency trade-off may eliminate how juniors become experts.

1

When Insurance Data Can't Be Trusted

In the search for a single source of truth, insurers often force data into one clean gold layer - but make choices that are not always visible or acceptable to every consumer. 

2

The Answer to Too Much Technology Is More Technology

Claudeforce signals a shift from building tools for humans to use and toward creating infrastructure where machines increasingly do the work.

3

AI's Superpowers for Insurance Agents

AI can provide a huge boost to insurance agents on account planning, product and service knowledge, and sales skill.

4

Insurance Risks Losing Expertise to Retirements

As insurers automate entry-level roles to cut costs, they risk eliminating the farm system that produces tomorrow's underwriters and adjusters.

5

Insurers Struggle to Price AI Liability Coverage

AI liability insurance is emerging through scattered approaches, but the lack of independent model evaluation means underwriters are pricing uncertainty instead of risk.

6

ITL Recommends

The relevance premium: How customer centricity unlocks growth

By

hero

From reactive to proactive: How Westfield is helping homeowners prevent catastrophic losses before they occur

By

Westfield

Reducing Non-Weather Water Loss with IoT

By

Insurance

Becoming a Frontier Insurer

By

ITL Partner: Majesco

Frontier Insurer

The Missing Layer in Insurance AI: Why General-Purpose Models Fall Short

By

ITL Partner: Zywave

Zywave

Data Centers' Evolving Insurance Needs

By

Insurance

Agentic AI Redefines Real-Time Underwriting

By

Insurance

What Insurers Must Get Right on AI

By

Insurance