CTO / Technology
Expense Ratio Analysis: AI, Remote Work Drive Better P/C Insurer Results
In separate reports last week, AM Best and Morgan Stanley analyzed P/C insurance industry expense ratios, with one reporting a 2.4-point drop over the past decade and the other projecting another ...
Five AI Trends Reshaping Insurance in 2026
Insurers are famously slow to sign on to emerging trends and technology. This cultural tendency to take the long view is often helpful, as actuarial science plays out over years if not decades. The ...
Why ‘Good Enough’ Is Killing Insurance: The Hidden Cost of Satisficing
Organizations routinely acknowledge crises, commission studies, launch initiatives — and change almost nothing. This pattern has a name. Herbert Simon received the Nobel Prize in Economics in 1978 ...
AI, Litigation Funding and Market Crosscurrents: What CM Readers Cared About in 2025
As 2025 unfolded, Carrier Management readers gravitated toward features that explored the intersection of technology, economics, and strategy. From artificial intelligence transforming underwriting ...
Carrier Management’s 2025 Top Features (Reader’s Picks Unlocked)
Underwriters and actuaries are less worried about AI taking their jobs. But maybe claims professionals and insurance agents should be more worried. Those are the takeaways I pulled out of two of the ...
New York Times Reporter Sues Google, xAI, OpenAI Over Chatbot Training
An investigative reporter best known for exposing fraud at Silicon Valley blood-testing startup Theranos sued Elon Musk's xAI, Anthropic, Google, OpenAI, Meta Platforms and Perplexity on Monday for ...
How Insurers Can Avoid Post-Merger Technology Failure
M&A transactions remain one of the most powerful levers for insurers seeking growth, diversification and operational scale. While the number of transactions has declined in the last year, deal ...
Underwriter, Actuary Fears of AI Drop; Work Needed on Collaboration
You're just about as likely to find a commercial P/C underwriter or actuary who is unconcerned about the increased use of AI in insurance as you are to find one that's afraid of being replaced by AI. ...