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Race to the Bottom Threatens Insurance Ecosystem

By

Stephen Applebaum

Competitive pressures are sparking a destructive cycle in the P&C insurance ecosystem that must -- and can -- be avoided.

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Reengineering Workers’ Comp Products With Agile

By

Lavanya Rajamani

Workers' compensation insurers must shift from inflexible waterfall development to agile frameworks, which promise enhanced collaboration and responsiveness.

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5 Imperatives Insurers Must Get Right by 2026

By

Insurers face a critical 18-month window to transform by embracing AI, data-driven innovation, capital flexibility, digital ecosystems, and data-driven decision-making.

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How Brokers Can Survive a Client Merger

By

Nearly one-third of companies replace insurance brokers post-M&A. To stay on, brokers must evolve beyond transactional services.

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Captives Can Shield Small Businesses From Tariffs

By

Tariff-related losses threaten small businesses, but 831(b) micro captive plans offer financial protection against unpredictable political risks.

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Risk Management Strategies for Commercial Properties

By

Execution-first risk management transforms commercial property protection from reactive compliance into proactive capital preservation strategies.

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Flood Risk Solutions From Across the Pond

By

Jonathan Jackson

Growing flood risks challenge U.S. cities with low insurance adoption; the U.K.'s technology-driven approach to resilience offers a solution.

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SME Insurance Gap Creates Opportunity

By

Banwari Agarwal

87% of small businesses are underinsured, presenting carriers with an untapped growth engine.

Editor's Picks

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The Promise of Continuous Underwriting

By

Typically, a risk is underwritten, bound... and forgotten. But new streams of data and automation allow for continuous underwriting.

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Convergence and the Insurance Ecosystem

By

Stephen Applebaum

Companies must anticipate the future, innovate beyond their core and transform their capabilities as rapidly as technology allows.

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Lemonade's 'Synthetic Agent' Nonsense

By

Desperate for growth, Lemonade produces another howler: A lender receiving a 16% interest rate is presented as a (synthetic) agent.

Close-up image of a car's side mirror showing a reflection of the road and mountains and blue sky behind it alongside an image in the foreground

Auto Insurance in an Existential Crisis

By

Stephen Applebaum

The 125-year-old, $300 billion U.S. auto insurance industry is caught between runaway inflation and strained consumer wallets.

Six Things

ai rocket

Don't Look Back; AI Is Gaining on You

By Paul Carroll

A recent report show that, despite some reports suggesting a lull in interest in AI, its capabilities keep rocketing forward.

Race to the Bottom Threatens Insurance Ecosystem

Competitive pressures are sparking a destructive cycle in the P&C insurance ecosystem that must -- and can -- be avoided.

1

The Full Cost of a Cyberattack

Cyberattacks cost U.K. businesses far more than recovery expenses, with hidden impacts bankrupting 60% of small companies within months.

2

State of Scams USA: Consumers Need an Ally

Even though 77% of people encounter daily scams, institutions fail consumers with poor recovery rates and inadequate protection.

3

Living Benefits Must Redefine Life Insurance

Life insurers face declining relevance among under-40 consumers, who demand living benefits over traditional death coverage.

4

Insurers Are Missing AI's True Value

Insurers chase flashy AI experiments while missing practical applications in underwriting, claims processing, and customer engagement that deliver real results.

5

From Claims Chaos to Zen Mode

Agentic AI transforms insurance claims processing from weeks-long manual reviews to instant, automated decisions.

6

ITL Recommends

AI’s Turning Point: Technology That Talks Back

Reinforcement Before Autonomy: Engineering Trustworthy Autonomy in Insurance AI

By

An artist’s illustration of artificial intelligence (AI). This image depicts language models which generate text. It was created by Wes Cockx as part of the Visualising AI project launched by Google DeepMind.

Transform Your Thought Leadership Strategy: ITL Partnership Opportunities

Smarter life underwriting through patented automation

By

ITL Partner: Munich Re

rowing

A Powerful Chain Reaction: The Financial and Operational Impact of GenAI and Agentic AI Across the Insurance Value Chain

By

ITL Partner: Majesco

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The Agency of the Future, Powered by AI: Unlock Insurance Quoting Without Barriers for Your Agency

AI's Unfolding Human Story

By

Darren Bloomfield

An artist’s illustration of artificial intelligence

Shadow AI Is a Growing Problem

By

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