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.

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.

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.

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.

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