Insure Think

The integration of AI into insurance frameworks is also creating some legal liabilities that carriers must consider as part of any deployment.

Across the personal lines space, pricing is expected to stabilize for homeowners, auto, flood and umbrella coverage.

Three common mistakes agents make and how to avoid them.

For seven consecutive years, secondary perils have outpaced primary perils in driving aggregate insured losses globally.

Insurance leaders are implementing integrated AI platforms or components that transform entire operational workflows and reimagine how operations function.

To ensure the industry's longevity and sustain innovation, we must reimagine talent acquisition, development, and retention strategies.

The shift from product-centric insurance to experience-led, technology-enabled ecosystems is accelerating.

AI cannot replace the seasoned judgement of an experienced underwriter.

With insurance sector AI solutions, explainability has become a roadblock to broader AI adoption. But that barrier is breaking.

Insurers that advance will align technology with strategy, empower their workforce, and measure success in outcomes that matter.

Readiness starts with understanding how existing distribution and value propositions perform when no one is helping explain them.

Pet insurance allows employees to protect something that matters deeply to them, and it signals that their employers understand the realities of their everyday lives.

The new definition of stability means underwriting is more precise, documentation-driven, and less forgiving.

Integrating AI into insurance operations streamlines administrative tasks and allows agents to deliver more tailored customer experiences.

The most successful insurtechs recognize that digital transformation involves leveraging human expertise with emerging and impactful technology.

AI's ability to synthesize large amounts of data can free up agents and brokers to interact with and develop more personalized relationships with their clients.

Digital transformation in long term care involves reimagining risk management through intelligence, interoperability, and human centered design.

Preventing insider harm through human connection requires a fundamental shift in how companies think about security.

Developments signal the potential creation of a new distribution layer.

Imagine what a consortium of insurers, state and local governments, community leaders and technology providers could do working together.

When today's job-hugging trend wears off, total rewards packages will be a major factor in workers' decision to stay or leave.

Insurance deserts are areas in which consumers and businesses struggle to pay for or secure coverage

Democratized decisioning only works if management tools remain transparent and auditable.

After several unpredictable years of rate spikes and underwriting pressure, auto loss ratios are beginning to moderate and stabilize.

Where innovations are applied in companies often determine their long-term success or failure for the business.

Three secrets to accelerating enterprise-wide adoption for measurable impact while avoiding AI debt.

Errors, bias and fraud are being magnified by AI.

Insurance companies can and should play a big role in helping customers cut their policy costs.

Embedded insurance offers customers a seamless underwriting experience and integrates coverage digitally at point of sale.

The actuarial profession is at an inflection point as actuaries focus on sustainability, implementing AI and collaborating across company infrastructures.

Despite the decision to delay home ownership and starting families, 68% of adults under 40 still view life insurance as essential.

When AI is simply layered on top of policy-centric platforms, batch-based processes, and siloed data models, it inherits their limitations.

Insurers learned that 2025 was about regaining balance and 2026 will be about redefining value for customers with better data, tools and insights.

AI is reshaping how claims are handled, how repairs are performed, and how teams deliver faster and more connected experiences across the auto claims ecosystem.

Insurance companies need more reliable, bottom-up data and more strategic technology partnerships.

AI holds enormous potential for small businesses, providing tools that can empower them to do more with less.

Emerging AI capabilities give agencies a clearer, more dynamic view of their entire book of business including underwriting, renewal and service workflows

Tracking fraud, waste and abuse in healthcare is a challenge, but AI is helping insurers identify it sooner.

The insurance industry must discard outdated models and embrace new skillsets to survive.

AI is transforming underwriting and helping to automate different aspects while improving the customer and agent experience.

The most impactful data today is clean, structured, operational data collected across the entire policy lifecycle.

AI impersonation fraud and attempts involving deepfakes have surged by more than 2100% over the last three years.

Used correctly, AI can help insurers move faster, identify risk more accurately, and reduce costs without replacing human expertise.

A vertical-specific AI can digitize the contextual judgment of retiring experts, helping staff to access "word-of-mouth" wisdom instantly in the correct context.

AI will move from the margins and into the fabric of insurance, redefining how carriers do business and streamlining operations for efficiency while optimizing the customer experience.

Changing communication methods like the use of emojis present a growing compliance risk in regulated industries where interactions are subject to scrutiny.

AI agents can reason through complex questions, understand intent, communicate naturally, and handle tasks that used to require a person on the other end of a call.

In most agencies, 80% of revenue is generated by only 20% of their accounts, meaning that 80% of an agency's customer base is responsible for only 20% of its revenue.

Insurers can transform AI spending into intelligent capacity investment through several practical steps and strategies.

Enterprises are adopting agentic AI that plans and executes on its own while compounding errors, accountability gaps and cyber risk. Clear safeguards and auditability are critical.