Opinion News from Digital Insurance

An underwriter needs to understand where the limits sit, who owns the outcome, how quickly a person can intervene and whether the company can reconstruct what happened after something goes wrong.

Insurers are mistakenly treating a capacity problem as a headcount problem, warns Norm Hudson, CEO of Staff Boom.

The real unlock is removing the friction sitting underneath the process altogether.

The most common mistake is treating AI governance as a documentation exercise that happens after deployment, rather than a requirement built into the system from the start.

The enthusiasm around agentic AI in reserving isn't wrong but ahead of the infrastructure required.

AI may improve the view from the driver's seat, but it should not occupy that seat, writes Marc Jeffreys, general manager of Health for Gradient AI.

Agents can't be in constant contact with every client. AI can help them flag important coverage gaps, writes Jackson Fregeau, the CEO and co-founder of Quandri.

Clear policies, training, supervision and reporting routes are essential as smart glasses become more common.

Insurers serving the growing microbusiness market must understand how digital risks to this segment are evolving and adapt accordingly.

Catastrophe readiness is not only about processing capacity. It is about coordination capacity, writes Erika Echaniz, product manager at Foxit.

The middle of a catastrophe is not the time to discover gaps in a disbursement process. Carriers should understand the complete path from claim approval to usable funds before claim volumes spike.

Incorporating climate risks into modeling and pricing can help insurers better anticipate and manage their potential health and financial impacts.

AI models are now reliable enough to automate most decisions that define performance in insurance, writes Taktile CEO Maik Taro Wehmeyer.

With the right foundation, insurers can more fully embrace AI and realize the benefits it brings, writes Kevin Gaut, CTO of Instanda.

Real improvement in managing uncertainty from a risk perspective won't come from better technology alone.

One particular focus of attorneys general in the insurance space will likely be companies' use of AI in underwriting.

The broker experience is determined not by how quickly a risk can be submitted, but by how efficiently and confidently a carrier evaluates it.

Insurance needs to stop treating its shrinking pool of checks as business as usual, especially when the data needed to manage the risk inside that pool already exists inside most carriers' own systems, writes Shareen Minor, chief revenue officer, U.S., at Vitesse.

The high-risk delay is not a compliance holiday. It is time to make AI evidence, procurement and accountability operational, according to Corto Romagny, general manager for U.S. Operations at Uxopian Software.

Three areas inside agency finance are seeing the clearest, most measurable returns from AI and automation: commission reconciliation, premium financing and the monthly close.