News and Information from Digital Insurance

Georgia voters will choose one of five Democratic candidates on May 19 to challenge incumbent insurance commissioner John King. Candidates addressed the use of NAIC-collected data to address climate change risks, and how the state's regulatory resources rank nationwide.

VM-22, NAIC's latest valuation manual, has begun a three-year rollout lasting through the end of 2028. Experts from WTW spoke about the standard.

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

Although posting lower volume than in the fourth quarter, all six active underwriters remained profitable, even with borrowers facing economic turbulence.

Georgia voters will choose one of five Democratic candidates on May 19 to challenge incumbent insurance commissioner John King. Candidates discussed how AI can provide value to policyholders, preventing AI fraud, and how carriers deploy the technology.

AI technology detects risky behaviors from data gathered by telematics devices.

Travelers launches AI claims tool and Ethos partners with Liberty Mutual, plus more insurtech news.

Georgia voters will choose one of five Democratic candidates on May 19 to challenge incumbent insurance commissioner John King. Three of the candidates answered questions on tort reform, as well as getting policyholders off the state's FAIR Plan, and how they would handle rate increase proposals.

Bankers and tech executives at SAS' annual conference said agentic AI is still in the "terrible twos" stage and requires human supervision.

The insurance industry doesn't have an AI adoption problem—it has a structural design problem.

These secondary perils led to a combined $86 billion of insured losses in North America in 2025.

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

Leaders could have a much more proactive role in protecting their workforce with personal security platforms and benefits.

There were about 50 funding events in the insurtech sector in April 2026.

Nationwide and Whisker Labs share insights related to their partnership and the Ting sensor, which uses artificial intelligence to warn policyholders about potentially catastrophic events.

EY's third annual risk survey found increased concern about adapting to changes in the risk environment.

As artificial intelligence plays a greater role throughout the insurance industry, questions arise about AI risk, how it's changing policies and whether to trust the output of an AI-driven decision.

California Assembly advances mortgage protections for wildfire survivors, while agency considers advocates' role in rate increase processes. Meanwhile, state regulators are looking at how insurers use AI, and a look at regulatory budgets reveals which states are doing more with less.

Bridging the gap between knowledge and core systems is the key to an improved user experience.

Fewer consumers want life insurance since the pandemic, but sales are still growing, with digital tools keeping sales high among the 38% of Americans who are still buying, according to new research.

Insurance tech and legal executives emphasize checking data, and working to build confidence and trust.

It is not just about modernizing systems, but about standardizing how transactions are processed and how data is exchanged across the ecosystem.

Carriers gain ground when treating personalization as a structural shift instead of a simple feature enhancement.

The insurance industry's research organization added 10 more states to the first four in its Wildfire Prepared Home designation program. About 35% of U.S. homes in high wildfire risk areas are not yet eligible.

The goal is to improve risk management and expand access to more customers in markets that better data now makes possible.

Alongside a bill that gives homeowners a year of forbearance after state-declared emergencies, lawmakers will consider extending wildfire-related moratoriums.

As insurers modernize their products and operations, delivery capability is becoming a key differentiator.

Experts on insurance information and actuarial modeling say AV risk assessments have to be made with incomplete data, making it more difficult to price coverage accurately.

It's the third year convective storm losses have exceeded $50 billion, according to the report, Severe Convective Storms: State of the Risk from The Insurance Information Institute.

AI is making fraud more sophisticated and harder to detect.

Researchers examined more than 580,000 municipal bond issues and say the data shows communities with higher wildfire risk pay higher interest rates.

According to Root Insurance research, over 75% of consumers are frustrated with outdated auto insurance pricing.

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

The state's administrative law office will decide whether to accept Commissioner Ricardo Lara's changes to a law passed as a referendum in 1988, which allows consumer advocates to be compensated for their work.

Federal and state disability legislations support pets at the office, from dogs and cats to horses and monkeys.

Nearly half of respondents say if these payments rise, it would make it difficult to meet their mortgage obligations, according to The Zebra.

While the specific impacts are still being determined, professional liability insurers that cover CPA firms increasingly are coming to a consensus that AI is a source of risk that must be controlled by strong governance.

Nationwide names new cyber lead and IBHS expands wildfire prepared program, plus more insurtech news.

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.

Panic-button technology is empowering workers in high-risk environments to alert first responders, supervisors and loved ones in the face of growing threats.

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

The U.S. accounted for 79% of global insured losses during the first quarter of this year, according to Aon's latest Global Catastrophe report.

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.

William Steenbergen, co-founder and CTO at Federato, shared insights into the company.

Artificial intelligence can mine a book of business for new opportunities, present information more clearly to customers, and improve regulatory compliance, according to experts from LPL Financial, Prudential and SBLI.

Industry research from Digital Insurance finds that 52% of insurance professionals believe a cyberattack will probably occur in the near future, and this fear is a factor in their AI plans.

Employees can use their account card to purchase Meta Ray-Ban and Oakley AI glasses for prescriptions directly from either company's website.

Seasonal risks impact every business differently.

PwC's April 2026 survey reveals executives' investment priorities for 2026.

The latest claims research from Verisk also shows that autonomous vehicle claims quadrupled between 2021 and 2025.

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

Comparing state regulators' resources to the size of their insurance markets, by multiple metrics, shows certain smaller states better equipped than much larger ones. This three-part series by Digital Insurance breaks down the metrics that reveal differences.

Modern flood modeling has identified more than twice as many properties at flood risk than FEMA flood maps, according to new research.

John Chu, CEO and founder of Bamboo Insurance, discussed the company's growth and planned expansion, and how that is supported by artificial intelligence.

Hippo deploys AI claims system and Liberty Mutual Insurance restructures leadership, plus more insurtech news.

The residential property management industry has a glaring risk problem: a systemic failure to treat renters insurance compliance as a continuous obligation, rather than a one-time checkbox.

Sheer luck kept all but one hurricane from U.S. shores in 2025; one landfall in 2026 could devastate servicers.

AI redefines how risks are assessed, policies are priced and claims are managed.

Acord’s 2026 studied 500 carrier transactions and revealed shifts in deal intent.

Climate experts and insurance leaders discussed how the industry must treat extreme events not just with coverage, but also with technology, proactive mitigation and resilience, at the ClimateTech Connect conference.

Some small state regulators have as much resources as large ones, comparatively. Vermont is boosted by its captive insurance industry.

Some regulators from smaller states have relatively higher levels of resources by a budget to premiums metric.

Why technology alone doesn't drive transformation

Seemingly autonomous cars may have a human assistant providing remote support. The extent of this support remains unknown, despite a U.S. senator's inquiries, and this creates uncertainty for insurers.

The Insurance Information Institute and Fenix24 released Cybersecurity for Insurers: Squaring Safety with Service.

Satellite data is reshaping the way that the insurance industry thinks about risk.

Organizations must be able to prove what happened, how it happened, and what was impacted.

Research from Digital Insurance reveals the biggest tech disruptors for the insurance industry in 2026.

"Insurance is built on the ability to forecast loss trends over time. When legal outcomes become less predictable, that foundation is weakened," said Monica Ningen, CEO of U.S. P&C reinsurance at Swiss Re, discussing a recent study.

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

The CEO of WellTheory shares how women are struggling the most juggling work and a challenging diagnosis.

Younger workers are approaching their careers differently and flexibility, earning potential, plus work-life balance matter more.

Half of insurers are using internally developed AI tools, and 65% are using tools from a vendor or other third party, Versik says.

Carrier AI and tech executives emphasize governance, responsibility for decisions, and human judgment of more complex risks.

As the "Silver Tsunami" drives a wave of retirements, AI-driven tools are redefining how insurers capture and preserve institutional expertise.

Regulators from larger states have more resources, as shown by the ratio of staff per insurer.

Micro-captive insurance plans under the Internal Revenue Code are providing small businesses in California the ability to rebuild faster after wildfires.

There were over 40 funding events in the insurtech sector in March 2026, according to a review by Digital Insurance.

Progressive and Geico tied for first overall in the Mobile Insurance Scorecard Q1 2026 by Keynova Group.

The insurance industry depends on documents built for human eyes and judgement–a combination that doesn't scale.

Steps to erase the divide between legal and risk at insurance companies.

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

Tech executives share how the resource allows them to cover properties that were previously excluded.

New research reveals severe storm effects such as hail, tornadoes and wind have reached $208 billion in global insured losses between 2023 and 2025.

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

Society of Actuaries appoints new CEO and Delos expands coverage, plus more insurtech news.

Galina Kho, Cyberbay's chief strategy officer, shared insights into the company and the technology it uses.

The gap between AI ambition and IT reality isn't just a technology problem.

Experts suggest that process and disclosure matter more than ever in the face of class-action lawsuits alleging overpayments on voluntary benefits premiums.

Sarah Kim, a partner at Centana Growth Partners, shares her thoughts on insurtech funding.

Insurers can empower data and risk management by leveraging advanced algorithms for compliance and insights.

Ryan Bank of Vexcel shares how AI is fine-tuning image searches to identify specific risks or features that could affect underwriting and claims for insurers.

The economics of risk are being reshaped not by frequency trends, but by the volatility and operational drag embedded in complex insurance claims.

Carriers have a lot of data and transforming it into actionable insights can be a challenge; however, AI is changing how information is utilized.

The homeowners insurance market in the U.S. "faces mounting strain from severe climate risk," Benjamin Collier and the other authors said in their commentary.

Regulators from 12 states will conduct questionnaires with insurers, seeking insights into their use of AI, over the next six months. The results will be used to adjust the questionnaire before it is formally adopted.

In today's volatile insurance environment, AI agents can help insurers manage a wide range of transactions autonomously with speed and consistency.

The shift from transactional relationships to experience-driven engagement models is becoming a defining characteristic of successful P&C insurers.

Carriers have been collecting vast amounts of data for years, but transforming it into actionable insights has been challenging, until the advent of AI.