Insurance & Risk

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What Medical Inflation Means for Workers’ Comp

By

Pragatee Dhakal

Healthcare inflation surges past general price trends, pressuring P&C carriers to adopt data-driven claims strategies.
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6 Pillars of Specialty Underwriting

By

Ari Chester

Specialty underwriting demands precision over scale as market dislocation and complex risks reshape insurance landscapes.
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Renovations Create Critical Insurance Risks

By

Frank DiGrande

Nearly half of homeowners plan 2025 renovations, but insurance adjustments remain overlooked despite potentially catastrophic consequences.
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What Life Insurers Can Learn From P&C

By

Gayle Herbkersman

Life insurers lag behind P&C carriers in claims digitization, creating an unsustainable innovation gap in today's digital landscape.

Agent & Broker

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Gen Z and the Coverage Gap

Todd Sangid

Gen Z homeowners face a dangerous contradiction: rising property damage fears paired with plans to cut coverage.

Southern Employers Must Rethink Benefits

April Husted

Matt Fisher

Southern businesses invest more in benefits yet lose talent, making Q4 enrollment their strategic retention opportunity.

Grow Where the Data Tells You

Larry Neilson

Jeff Neilson

Here is a road map to expanded opportunities for carriers, MGAs and insurtechs.

Auto Insurance

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Insurance Ecosystems: Navigating an Unfamiliar World

Alan Demers

Stephen Applebaum

Traditional auto insurance models crumble as ecosystem partners must collaborate to navigate a rapidly changing market.

Insurance Agent going over forms with clients

2025 Mid-Year Check-In on Insurance

David Seider

Strong loss ratios are driving auto insurers toward market share growth despite brewing economic uncertainty.

Robotic hand and lower forearm with its palm up glowing with a blue light against a dark blue background

It's Time for Bold Collaboration on AI Fraud

Pete Miller

Rapid changes in auto insurance fraud demand collaboration among stakeholders across the risk management and insurance ecosystem.

Claims

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An artist’s illustration of artificial intelligence

Lessons on AI in Underwriting and Claims

Illia Pinchuk

Trust, not technology, blocks AI adoption as insurance underwriters hesitate to rely on automated scoring and claims managers are reluctant to influence decisions.

Person in the foreground with a notepad in front of them sitting at a table with a computer with two other people sitting in front of a window

What Life Insurers Can Learn From P&C

Gayle Herbkersman

Life insurers lag behind P&C carriers in claims digitization, creating an unsustainable innovation gap in today's digital landscape.

How to Futureproof Your Brand

Brent Williams

Established insurers must balance brand legacy with digital innovation to deliver modern claims experiences that today's consumers demand.

Commercial Lines

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Person in green scrubs with their arms crossed and a stethoscope around their neck

What Medical Inflation Means for Workers’ Comp

Pragatee Dhakal

Healthcare inflation surges past general price trends, pressuring P&C carriers to adopt data-driven claims strategies.

Black chess piece upright with a white chess piece tipped over on its side in front of it

6 Pillars of Specialty Underwriting

Ari Chester

Specialty underwriting demands precision over scale as market dislocation and complex risks reshape insurance landscapes.

SME Insurance Gap Creates Opportunity

Banwari Agarwal

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

International

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Agencies Need Multilingual Customer Support

Faheem Shakeel

Language barriers challenge insurance agencies' growth, but multilingual CRM technology transforms these obstacles into competitive advantages.

A graphic of two hands clasping and shaking across a sky with clouds and the outline of the continents

International Broking: Beyond the Transactional View

Arthur Michelino

As multinational programs grow complex, international broking demands system coordination over traditional workflow management.

Ukraine: Insurance Under Fire

Mykhailo Hrabovskyi

War-tested Ukrainian insurers offer lessons in operational resilience for global markets.

Life & Health

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What Life Insurers Can Learn From P&C

Gayle Herbkersman

Life insurers lag behind P&C carriers in claims digitization, creating an unsustainable innovation gap in today's digital landscape.

The Strategic Advantage Hiding in Plain Sight

Don Connelly

Despite industry innovation focus, the biggest growth opportunity lies in improving long-term care conversations.

How to Unlock Life Insurance's 'Living Benefits'

Hari Srinivasan

Financial stress affects 66% of employees and exposes critical gaps in how HR communicates life insurance's living benefits.

Personal Lines

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6 Pillars of Specialty Underwriting

Ari Chester

Specialty underwriting demands precision over scale as market dislocation and complex risks reshape insurance landscapes.

Brown Wooden Ladder Beside Painting Materials

Renovations Create Critical Insurance Risks

Frank DiGrande

Nearly half of homeowners plan 2025 renovations, but insurance adjustments remain overlooked despite potentially catastrophic consequences.

Gen Z and the Coverage Gap

Todd Sangid

Gen Z homeowners face a dangerous contradiction: rising property damage fears paired with plans to cut coverage.

Regulation & Public Policy

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AI Everywhere, But Nowhere in Your Captive?

Randy Sadler

As AI liability lawsuits multiply and regulations evolve, captives offer businesses flexible coverage for emerging risks.

An artist’s illustration of human responsibility for artificial intelligence

How Insurtechs Must Build Ethical AI

Sam Peters

Insurtechs embracing AI gain competitive advantages but face mounting ethical, security and compliance challenges.

When Foreign Policy Becomes Economic Policy

Insurance Thought Leadership

The Insurance Information Institute

Triple-I Chief Economist Michel Léonard says the confusion in the U.S. economy stems from an unlikely source: a radical shift in foreign policy.

Reinsurance

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The Growing Toll of Secondary Perils

Bill Clark

Parametric reinsurance offers a new approach to managing the increasing threat of secondary perils, providing much-needed financial protection for insurers.

Woman in a Beige Coat Writing on a Glass Panel Using a Whiteboard Marker

Broker View From the Trading Floor

Neville Ching

As a consequence of the hard market, the 2023 full-year results from the reinsurance sector are expected to be record-breaking.

How Cedents Can Win Reinsurance Race

Jerad Leigh

Here are three lessons from the most recent renewal cycles that can guide cedents looking to get the best result from their reinsurance placements.

Resilience & Sustainability

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Are Insurers' Capital Models Outdated?

Melanie Groisne

Traditional capital modeling fails to capture fast-changing, connected risks. Innovation needs to drive toward dynamic, scenario-based approaches.

September 2025 ITL FOCUS: Resilience and Sustainability

Insurance Thought Leadership

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

Resilience and Sustainability itl focus interview

The New, Much-Needed Conversation on Resilience

Insurance Thought Leadership

As natural catastrophes intensify, Marsh's Francis Bouchard says the focus should shift away from how to price risk and toward "insurability."

Risk Management

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Are Insurers' Capital Models Outdated?

Melanie Groisne

Traditional capital modeling fails to capture fast-changing, connected risks. Innovation needs to drive toward dynamic, scenario-based approaches.

Warehouse Tech Transforms Risk Models

Ellie Gabel

Connected warehouse technology forces insurers to abandon static risk models for dynamic, data-driven assessments.

The Insurance Polycrisis: Don’t Panic, Prepare!

Dean LaPierre

Information overload amplifies familiar insurance risks into perceived polycrisis, though historical data suggests industry resilience remains intact.

Underwriting

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6 Pillars of Specialty Underwriting

Ari Chester

Specialty underwriting demands precision over scale as market dislocation and complex risks reshape insurance landscapes.

Lessons on AI in Underwriting and Claims

Illia Pinchuk

Trust, not technology, blocks AI adoption as insurance underwriters hesitate to rely on automated scoring and claims managers are reluctant to influence decisions.

The New Role of Data Analytics in P&C

Mohit Sharma

Looking in the rearview mirror doesn't work any more. Carriers must transform analytics from passive scorekeeping into decision-making engines.

Six Things