Opinion News from Digital Insurance

Effective digitization eliminates manual data transcription while protecting the insurer's view of risk.

The rise of agentic AI is about to expose a major divide within the insurance industry.

Despite the growing risk for industrial events, these incidents are often excluded from CAT aggregation frameworks. 

In many cases, the tools used in insurance are not fully autonomous agents that make decisions independently — and for good reason.

When a new claim enters the system, a race against time begins.

Carriers that deliver communication quality, clarity of instructions, compassion from staff, and a single dependable point of contact were remembered and chosen again.

Insurers can break the cycle by expanding their use of global talent, strengthening compliance training and treating administrative support as a strategic capability vs. a back-office expense.

AI is evolving from an attractive innovation into something much closer to an operational necessity.

Moving the fastest or spending the most does not guarantee real progress with AI.

If insurers can use AI to build a property file, policyholders should have the right to know what is in that file when it affects premium, eligibility, renewal or coverage.

Problems will arise without good governance in place to guide AI adoption.

Carriers are adopting AI to improve underwriting, pricing and risk selection, but most models still rely on static data collected at a single moment in time.

Dashcams and other in-cab technologies are giving companies the tools they need to assess driver behavior.

Insurtech companies most likely to endure will prioritize the basics over elaborate tech.

Insurance carriers are investing in technology to gauge how interactions between carriers and policyholders are evolving.

High-resolution aerial imagery and property intelligence are enabling insurers to compress the time between landfall and portfolio-level understanding from weeks to days.

Instead of waiting for claims to confirm damage patterns, carriers can begin identifying likely impact zones earlier.

The combination of an AI tool with a human makes it easier to obtain accurate quotes, identify coverage gaps and share documentation between parties.

The focus is on surviving such an attack, with resilient systems and processes that ensure business continuity against all odds.

Can an insurer explain its decisions and demonstrate that AI is being used fairly and responsibly?