Commercial Lines

With secondary perils accounting for 92% of losses, traditional catastrophe reinsurance architecture is fundamentally misaligned with modern risk.

Agentic commerce is transforming financial services as AI agents evaluate products. Institutions must now compete for algorithmic visibility.

International brokers now have a tool to diagnose program connectivity: Adjacency mapping transforms intuition into measurable structural analysis.

Despite advances in AI and automation, commercial insurance still rebuilds the same risk information from scratch every renewal cycle.

Commercial insurance clients now expect agents to articulate how AI strengthens account management, moving expectations beyond traditional placement.

Severe convective storms caused over $200 billion in losses since 2023, demanding businesses adopt AI-driven mitigation strategies.

ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance.

GenAI is transforming workers' compensation strategy as insurers navigate rising costs, market pressures, and demands for differentiation.