Risk management

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.

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

Many recent deployments of AI are proving their worth in reducing costs and claims. Nationwide and Whisker Labs' Ting devices proactively prevent electrical fires; telematics data is helping truck fleets cut collision costs; and voice AI is providing faster responses to policyholders.

Legacy platforms are recognized as a growing operational and regulatory exposure, yet any attempt to modernize them is perceived as introducing even greater risk

Typhoon activity in the Northwest Pacific Ocean is expected to be the highest this year since 2015, according to commercial forecaster Tropical Storm Risk.

Reputation events are currently managed reactively by communications teams reporting using tools built for brand storytelling.

Automation will change underwriting, but judgment, context, and accountability still belong to people.

Predicting natural disasters is becoming more important for banks and insurers as climate change increases their occurrence. Last year's wildfires in Los Angeles killed 31 people, destroyed more than 16,000 structures and caused as much as $131 billion in economic and property losses.

U.S. life insurers have shifted more of their general account risk to entities abroad than in the U.S. as of year-end, the first time that offshore reinsurance hubs have overtaken domestic ones for that business.

Moving beyond a model centered on reimbursing claims to one that supports healthier outcomes earlier in the pet care journey.

A team of former Credit Suisse bankers is preparing to launch a fund they say will offer double-digit returns in exchange for taking on some of the insurance risk tied to data centers.

Is technology advancing faster than data centers can be built? Should a server farm have its own nuclear power supply? Questions like these create unique insurance scenarios, say executives from Willis and Novidea.

The gap between how insurers invest and measure risk is widening in ways that are often difficult to detect.

The majority of cyber claims are most related to data breaches, cybercrime and extortion events, according to the 2026 Claims Report from Cowbell.

Regulators and policyholders are increasingly concerned about the impact of imagery on privacy and decision making.

Underwriting, risk models and policyholder support must evolve to reflect how identity data is used in modern fraud.

The research shows that two-thirds of the buildings identified are in some of England's most economically vulnerable corners.

AI and data are changing what's possible in global trade.

Digital Insurance tracks the many factors affecting the use of aerial imagery in the insurance industry. These are our top stories on the subject from 2026

Phone use and self-driving vehicles are among the risks reported in Nationwide's 2026 Driving Behaviors study.