An industry with 75-100 percent of small commercial business potentially written on a straight-through basis—untouched by human underwriters—is on the near-term horizon, and Chubb is embracing the change, according to the carrier’s global underwriting officer.

Answering questions via email about the intersection of underwriting and automation, and about his path to the underwriting leadership role, Ross Bertossi, whose roots are in writing complex long-tail medical malpractice insurance business, included comments about Chubb’s efforts to raise the proportion of its untouched small commercial business....