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The Dangers to Insurers From Reward Hacking

By

Riv Arthur

AI agents optimizing for bind rates may exploit underwriting systems the same way OpenAI's test agents hacked shared infrastructure.
Carriers Must Govern AI Use in Agencies

By

Mike Allton

Most carriers require agencies to carry E&O coverage but don't yet ask who's reviewing AI-generated client communications.
A Way to Tackle Rising P&C Deductibles

By

Jessie Zhu

Rising deductibles are shifting more storm damage costs to property owners, creating a gap between coverage and affordable recovery.
Making Innovation Stick in Insurance Organizations

By

Abrianne Harmon

Sustainable innovation in insurance requires organizations to master change adoption through culture building and strategic training design.

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A Novel Approach to Preventing Water Damage

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From reactive to proactive: How Westfield is helping homeowners prevent catastrophic losses before they occur

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Smart sensors in the home provide water-leak and fire alerts. Westfield is piloting these sensors in multiple states, bolstering agents’ loss-prevention services to homeowners.

The Dangers to Insurers From Reward Hacking

Riv Arthur

AI agents optimizing for bind rates may exploit underwriting systems the same way OpenAI's test agents hacked shared infrastructure.

Carriers Must Govern AI Use in Agencies

Mike Allton

Most carriers require agencies to carry E&O coverage but don't yet ask who's reviewing AI-generated client communications.

Making Innovation Stick in Insurance Organizations

Abrianne Harmon

Sustainable innovation in insurance requires organizations to master change adoption through culture building and strategic training design.

As AI Spreads, Orchestration Is Required

Shravankumar Chandrasekaran

AI enables teams to build intelligence locally, but enterprise value depends on coordinating meaning across organizational boundaries.

Insurance Agentic AI Needs New Business Models

Maxim Afanasyev

Tomas Holub

Asian insurers show that agentic AI success requires reimagining market forces, not just chasing productivity gains through isolated use cases.

Six Things

A Scary Stat for Insurance Brands

Paul Carroll

As AI search reshapes buying behaviors, Flo, Mayhem, and other big insurance brands likely will lose some of their sway.

Why Aren't Insurance Customers Feeling AI's Benefits?

Sean O'Donoghue

Insurers deployed AI at record speed to boost internal efficiency, but customers see no difference—and that's the industry's biggest strategic vulnerability.

The New World of Accident Reconstruction

Seth Behrens

Digital evidence from dashcams, drones and vehicle data recorders now complements physical crash analysis in modern accident reconstruction.

Explainable AI Is Not Enough

Anushka Rodi

You cannot explain your way out of algorithmic bias. You have to intercept it before the rate exists. 

Insurance Leaders Must Embrace AI or Fall Behind

A Hidden AI Risk: Passive Sabotage

Ryan Cantor

Insurance leaders who wait for perfect AI can fall behind competitors already learning to deploy it strategically and responsibly.

Insurance Agentic AI Needs New Business Models

Maxim Afanasyev

Tomas Holub

Asian insurers show that agentic AI success requires reimagining market forces, not just chasing productivity gains through isolated use cases.

As AI Spreads, Orchestration Is Required

Shravankumar Chandrasekaran

AI enables teams to build intelligence locally, but enterprise value depends on coordinating meaning across organizational boundaries.

ITL's weekly Six Things newsletter is curated by Editor-in-Chief Paul Carroll and features top articles from leading voices in risk and insurance. Each edition also includes Paul's insightful analysis of key trends.

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ITL Focus: ITL Ops: Change Management

This Month's Focus Topic

Some two decades into the insurance industry's digital transformation, companies have spent hundreds of billions of dollars on new core systems, cloud migrations, digital portals, and AI tools — but the technology was rarely the hardest part.

The hardest part was the people.

The people part has long been treated as a supporting act in large technology transformations. But as the pace and complexity of transformation accelerates, that approach is showing its limits. Employees nod along, say they're using the new system, and then quietly find workarounds. Leadership mandates adoption from the top while alignment quietly fractures below. Organizations sprint to the go-live date and then discover that the real work hadn't started yet.

Read more

The Future of Risk™

The Dangers to Insurers From Reward Hacking

Carriers Must Govern AI Use in Agencies

A Way to Tackle Rising P&C Deductibles

Making Innovation Stick in Insurance Organizations

ITL Recommends

A Novel Approach to Preventing Water Damage

The relevance premium: How customer centricity unlocks growth

From reactive to proactive: How Westfield is helping homeowners prevent catastrophic losses before they occur

The Dangers to Insurers From Reward Hacking

Carriers Must Govern AI Use in Agencies

Making Innovation Stick in Insurance Organizations

As AI Spreads, Orchestration Is Required

Insurance Agentic AI Needs New Business Models

Six Things

A Scary Stat for Insurance Brands

Why Aren't Insurance Customers Feeling AI's Benefits?

The New World of Accident Reconstruction

Explainable AI Is Not Enough

A Hidden AI Risk: Passive Sabotage

Insurance Agentic AI Needs New Business Models

As AI Spreads, Orchestration Is Required

ITL On Demand

Insurtech in Action: The ITL Demos

ITL Focus: ITL Ops: Change Management

This Month's Focus Topic

From Our Partners

How Proactive Risk Management Helps You Prevent Losses

RGA Leaders of Tomorrow: Seniors and Health Insurance in France, An Unsolved Equation?

2026 Trends Vital to Compete and Accelerate Growth in a New Era of Insurance
By ITL Partner: Majesco

The Future of Auto Claims – Part 1: Liability, Data, and the Changing Role of Insurers

2026 Commercial Market Outlook

ITL Partners

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Six Things

ITL On Demand

Insurtech in Action: The ITL Demos

ITL Focus: ITL Ops: Change Management

This Month's Focus Topic

From Our Partners

2026 Trends Vital to Compete and Accelerate Growth in a New Era of InsuranceBy ITL Partner: Majesco

ITL Partners

2026 Trends Vital to Compete and Accelerate Growth in a New Era of Insurance
By ITL Partner: Majesco