News and Information from Digital Insurance

A record percentage of homeowners renewing their insurance policy saw their fee decrease, up from 7.4% last year, according to Matic's mid-year trends report.

Aaron Minkovich, chief technology officer at Manulife, shared insights into how the company will expand AI and the ROI related to the partnership.

Insurtech service providers recommend human review and information sourcing checks as ways to prevent inconsistent claims and underwriting model output.

Improving the claims experience is critical for customer satisfaction and retention, according to Deloitte research.

Effi Fuks-Leichtag, chief product officer at ERGO NEXT Insurance, writes about how entrepreneurs are turning to AI search tools for insurance guidance.

The insurtech builds secure, compliant AI infrastructure for regulated industries including banking, credit unions, healthcare and insurance.

Entrepreneurs report a high level of trust when using an AI chatbot or search tool to look up options related to business insurance, according to an ERGO NEXT survey.

The insurer highlighted AI as underlying the many factors that fueled its financial performance for the first half of 2026.

A wave of new AI-enabled frameworks for marketing mix modelling are becoming the new standard among forward looking marketing leaders, writes Karl Canty, partner at Artefact.

When multiple data sources disagree, AI can be a "tie breaker" to correct discrepancies in property information, according to insurance data experts.

Danielle Lutkus, principal consultant at Capco, shared insights about how claims, underwriting and fraud teams are responding to AI-driven fraud.

Michael Estep, (president of group insurance) discusses the importance of improving customer experiences, team communication, and making benefits a year-round priority.

Recent chemical incidents in Washington and California highlight the peril of forgoing pollution coverage, writes Dennis Willette, SVP and head of environmental at Westfield Specialty Insurance.

Sen. Elizabeth Warren and other senators sent a letter to six insurers challenging their use credit-based insurance scores to determine risk-based pricing.

Despite AI-driven productivity gains, 77% of financial services firms say that AI investments don't deliver a measurable return.

AI is enabling a wide range of fraud threats, but those that deploy AI and automation in security can cut breach costs by millions.

When AI can make false evidence look real, insurers can struggle to know who to trust, writes Tom Rasmussen, vice president of product for claims at Carpe.

One in four malicious breaches are AI-enabled and cost $6 million on average. Insurance companies are a top target, and also bear the cost of claims.

The tasks that fill BPO delivery centers sit squarely inside what agentic AI systems handle today, writes Martin Henley, CEO of mea Platform.

Insurance companies with the greatest advantage will adapt products and experiences locally while reusing capabilities globally.

Experts examine how to adapt to a shifting hurricane forecast, AI's impact on natural resources, and how to improve underwriting and cybersecurity.

Clients now expect a baseline level of technology options from brokers, the company's 2026 Broker Services Survey finds.

The insurtech's co-founder also warns against confusing novelty with value. "Insurance buyers do not need more technology for technology's sake."

"Solve a problem the industry actually has — and prove people will buy the answer, before you fall in love with building it," Henley says in his advice to other insurtechs.

The property-and-casualty insurance industry is undergoing a major digital transformation with the rise of generative artificial intelligence, writes Abhishek Peter, manager of digital marketing at FECUND Software Services.

The rise in infostealer malware and increasingly sophisticated phishing campaigns is compounding the problem for insurers.

Properties outside flood zones carry outsized risk without insurance but client education and proactive solicitation before a storm can decrease serious delinquencies.

Insurance has been an underperforming industry that resists tech disruption, according to a McKinsey report. However, insurers are finding the technology enables them to cover more risks, and do so more quickly and readily.

Insurance companies are sharing their AI success stories with a focus on specific niches: controlling churn, fielding customer calls, slashing underwriting time and more. But even the biggest proponents of AI know it has limits.

Connected systems can help consumers understand each stage of the life insurance journey and ensure a more seamless, less fragmented consumer experience.

With rising climate peril severity and frequency, insurance risk data providers point to the technology's improved capability for processing visual information.

Virtual and mixed reality still have value for internal use and customer experience, even if other industries are moving on, writes Mark Klein, Chief Digital Officer at ERGO Group AG.

Nirmitee Shah, general manager of financial and professional services at Scale AI, describes the industry's slow and careful progress with the technology.

Legacy infrastructure, data challenges, workflow integration issues, regulatory concerns and skill shortages remain key obstacles in 2026

The carrier has achieved 90% time savings by deploying a single AI tool.

The insurance company's AI investments show early success, but underwriters own the final decision, CEO Christopher Swift said on an earnings call.

The carriers that are getting it right aren't using AI to replace adjusters.

As the insurance industry races to make the best use of AI, some areas of caution are emerging.

Organizations that prepare early will be better positioned to protect their people and minimize operational disruption when severe weather strikes.

Only 23% of insurers report AI being fully integrated into systems, according to the 2026 State of P&C Insurance Technology report from Federato.

As more policyholders shop around, insurers are applying AI in many ways to entice them to stay, executives from LexisNexis, Gallagher and Chubb say.

A successful insurtech venture requires a strong combination of innovation, insurance expertise, regulatory understanding and scalable technology, writes Abhishek Peter, manager of digital marketing at FECUND Software Services.

Insurance companies are unknowingly turning away customers when technology fails both the applicant and the human handling customer service, writes Michael Podgortsev, director of data and AI strategy, speaks from personal experience: A hum

Dinah Sykes, running unopposed for insurance commissioner in the state's Democratic primary, discusses the need for guardrails as insurers expand their use of AI.

Employers are increasingly exploring lifestyle spending accounts as a way to deliver health and wellness flexibility to a workforce demanding it.

AI is a limited resource, powered by even more limited resources. Carriers must not forget that, writes Jim Girard, vice president of engineering at Benekiva.

The insurers that build for execution, rather than waiting for the next tool or the next shock, will be the ones still keeping pace when the systems around them strain.

Travelers made a major bet on AI when it committed to developing its own in-house large language model, TravelersLLM. CTO Mojgan Lefebvre discusses how the company determines the technology's success.

As more Americans turn to GLP-1 medications for weight loss, employers are weighing the benefits of coverage against rising healthcare expenses and long-term costs.

New systems will help but insurers first need to organize institutional knowledge and review processes.

As data sources expand and risks become more dynamic, embeddings are influencing how insurers assess risks, segment portfolios and support underwriting and pricing decisions, writes writes Brian Keller, PhD, vice president of AI and data science for LexisNexis Risk Solutions.

Chubb, WTW and Westfield executives emphasize the importance of testing systems and validating information.

The insurer highlighted AI-driven gains in claims processing and underwriting during the second quarter.

The agents that report increased client retention are also more likely to have a positive opinion of using AI, according to Liberty Mutual's 2026 Independent Agency Growth Study.

AB 311 would give auto insurers more tools to evaluate risks to cover, but critics say it's unclear on how AI can be used.

The health giant, in the midst of a $3 billion investment in AI through 2027, says the technology is now involved in nearly every provider and consumer interaction.

Teams should revisit sourcing decisions continuously, rather than treat them as fixed multi-year commitments.

Many people in insurance want AI, but they're having a hard time using it effectively in the workplace.

A dangerous assumption persists that existing commercial insurance portfolios will naturally absorb any liabilities arising from algorithmic failures.

Insurance carriers have always relied on data to understand risk. What has changed dramatically, however, is how that data is used, writes Brian Keller, PhD, vice president of AI and data science for LexisNexis Risk Solutions.

Chris Raimondo, EY global and U.S. insurance consulting leader, shared insights with Digital Insurance on how to best approach AI challenges.

Carriers must move beyond highly visible AI activity that may look like progress and toward real operational transformation, writes Peter McMurtrie, a partner of the insurance practice for West Monroe.

Underwriters do not see AI as a threat; most would consider the quality of an employer's AI tools when switching jobs, according to a new survey.

With many residents eschewing flood insurance, the floods may, in the long term, hurt the tax base, an analyst said

Colorado homeowners pay the highest premiums at $463 a month, as insurance costs now exceed property taxes in 15 states, LendingTree found.

Duck Creek acquires Send to bring on agentic AI capabilities. Plus, Root and Jerry partner on embedded car insurance and more news.

Many insurance agents are planning to increase their use of AI but many aren't using it yet, according to the Association for Independent Insurance Agents Agents Council for Technology tech trends report.

More than half of the participants in the global insurer's incubator program are AI focused or using AI in some way for their functions.

While total real premium growth will likely drop in 2026, rapid investment of AI data centers is offsetting shocks from supply-chain disruptions.

Residents who filed a class action lawsuit say the title insurer is unfairly profiting from their home data on its DataTree platform, without their consent.

Rema Matevosyan, the company's co-founder, spoke with Digital Insurance about providing higher-resolution property images at scale.

Fraud prevention is the foundation for trust at scale, shaping how confidently customers engage.

If the first half of the year was defined by a race to bring AI-powered products to market, the second half will be defined by commercial discipline and pricing realities, write Michael Nadel and Andrew Larsen of Simon-Kucher.

AI is helping insurers navigate climate changes by taking nuances into consideration and making sense of updated weather data.

The path forward is to assess risk one property at a time, in close to real time, using AI.

To get the best results from AI, insurance companies must first address the structural problems that create friction within their processes, writes Earl Shaw, CIO of Renaissance.

There were about 70 funding events in the insurtech sector in June 2026.

A survey of insurance leaders and other professionals finds that 29% of U.S. businesses experienced at least one AI-enabled cyber incident in the past year.

Young shares the story of his company and his vision for the future of the insurance industry and the impact of AI.

Travelers develops LLM and AIG hires global underwriting chiefs global chief underwriting officer, plus more news.

AI is reshaping the workforce, but not in the ways people expected; recent data shows that the companies investing the most in AI are actually increasing their headcount, including among junior staff.

Genuine readiness in 2026 requires documented third-party access audits across broker and TPA relationships plus evidence that controls were verifiably in force.

Increasingly powerful weather trends are lowering the lifespan of roofs in the hardest-hit states, according to AI analysis by Nearmap.

Advancements in estimating tools are helping insurers deliver faster and seamless digital claims, writes Marc Rothchild, EVP and head of claims at Xceedance.

Insurers will start relying on more advanced approaches to evaluating cyber risk, including continuous cyber risk monitoring.

Even if subsidized NFIP coverage ends, the technology can find more places where less risk makes insurance feasible, according to insurance and risk platform executives from Aon, Previsico and Lilypad Insurance.

This year's 83% adoption rate is up from last year, but trails 2023's high of 92%.

Junior underwriters can gain support for their work from AI, and data handling to support underwriting improves, said insurance risk management experts from Cytora, Scor and AXA XL.

Analyses show that generally speaking, companies that deploy AI the most are also recruiting more humans.

AI-powered platforms have collapsed the production timeline for a professional TV commercial from weeks to hours. But the agents who are getting real value out of TV advertising right now aren't just putting campaigns out. They're building frameworks for reading what comes back.

A quick quote and great customer experience does the rest.

Despite growing adoption, research shows that agents and brokers struggle to integrate AI into their daily workflows.

Properties outside of the 100-year flood zone exposed to $375 billion to $1 trillion in losses, Moodys reports

RGA names CFO; Nationwide launches remote-monitoring, plus more news.

Experts in the insurance industry explain where to draw the line, and why sometimes a less capable AI is a more valuable tool.

Expanding care coverage is going to be crucial to improving access to care for employees struggling to make ends meet.

Magdalena Ramada, global insurtech innovation leader at WTW, spoke with Digital Insurance about the dangers of the hidden nature of AI processes, and becoming overly dependent on the technology.

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.

Magdalena Ramada, global insurtech innovation leader at WTW, spoke with Digital Insurance about the value and potential of AI.