Chubb made headlines in December 2025 when it announced a 20% headcount reduction tied to AI automation.
Executive Summary
"AI transformation is a culture problem dressed up as a technology and training problem."Here Santiago Jaramillo, the co-founder of AI cultural transformation firm Pragmatico, and Lisa Cameron, the chief human resources officer of Indiana Farmers Insurance, describe how Pragmatico helped the 150-year-old mutual insurer build a vision, develop skills and create incentives for AI adoption—starting with the 44-member leadership team first, and later moving to make AI proficiency a requirement for all 250 employees.
Around the same time, the CEO of a regional mutual carrier in Indiana made the opposite bet. Wes Sprinkle, president and CEO of Indiana Farmers Insurance (IFM), decided that AI would elevate rather than replace his team. The company would not pursue AI-related layoffs, but AI proficiency would become a requirement for its 44-member leadership team first, and later, all 250 employees.
But integrating AI into decades-old workflows at a 150-year-old mutual insurance provider required the kind of cultural change management that most carriers have never had to undergo. AI transformation is a culture problem dressed up as a technology and training problem, and we knew we had to treat it as such.
