Research

The insurance case for risk technology, tested

Original analysis of the shift from risk transfer to control: what connected data changes for insurance, and what it has yet to prove.

Underwriting What Escape of Water Proves About Proof Free Leak detection has the strongest evidence of any prevention technology in property. Each time the studies have become more rigorous, the claimed effect has fallen. The smaller number is the one worth underwriting. Strategy The Captive That Pays for Prevention Free The UK's new captive regime gives risk owners a vehicle that keeps the whole saving from prevention. Whether risk technology benefits depends on evidence that can satisfy a captive board, an actuary, a tax review and a fronting insurer. Analysis The policy prohibits it. The workflow rewards it. Free Fleets ban phone use at the wheel, then allocate jobs to whoever replies first. The strongest evidence on commercial driver distraction points at the operation before the driver. Analysis Ninety per cent of what? What the driver-error statistic really shows Free The claim that 90% of commercial motor claims come from driver error, mostly distraction, appears in countless decks. None of the studies behind it measured commercial insurance claims. Analysis Cheap to Build, Slow to Prove Free AI has collapsed the cost of a minimum viable product. It has not shortened the road from a working product to a lower loss ratio. Underwriting Agentic AI: What Evidence Would Make the Risk Insurable? Members Report Research Paper: Is the Workplace Getting Safer Members This report argues that the insurance market has been reading outcome data as though it were a scoreboard Analysis Is the Workplace Getting Safer? Free Analysis Load Volatility, Not Load Level Members 511,000 UK workers report a work-related musculoskeletal disorder. These are not accidents. A shoulder fails because of a load pattern sustained over months — and that pattern already sits in rostering systems. Analysis The Safety Data You Already Hold Members Fleet telematics, digital checklists and warehouse vision were bought for fuel, compliance and throughput. The resulting data estate describes work as actually performed — the one thing insurance has spent a century approximating. Partnership Should You Charge for the Pilot? The Commercial Architecture of Insurance Technology Trials Members Insight The Five Gates Free Strategy The Advice Discount Free Book From Transfer to Control Paid How technology companies, investors, and the insurance market navigate the most significant structural shift in a generation Report The Counterfactual Contract Members How risk technology can be paid directly out of the losses it prevents — the actuarial conditions that make a "counterfactual contract" work, and where it breaks Framework Pricing the Shape, Not the Score: What Underwriters Should Extract from Risk-Technology Data Members Strategy The Benefits Bridge: What P&C Can Borrow from Health Insurance — and the Data It Should Refuse to Hold Free Framework Part 4: Working With the Technology, Not Just the Vendor: How Brokers and Insurers Should Approach Risk Technology Partnerships Members Analysis Part 3: Backing the Category, Not Just the Company: How Investors Should Evaluate New Risk Technology Members Distribution Part 2: Building the Case: How to Answer Why This, Why Us, and Why Now Members Distribution Part 1: The Three Questions Behind Every Stalled Insurance Pitch Free Analysis The Prevention-to-Pricing Gap Free Analysis Digital Twins in Commercial Property: From Buzzword to Underwriting Input Free Strategy The Parametric Paradox: Why Removing Claims Friction Can Break Product Economics Members Strategy The Missing Layer in Loss Control: Why Technology Alone Doesn’t Reduce Claims Members Report Annual Strategy Report -2026 Paid The strategic edge now sits at the intersection of decisioning, prevention, and workflow control. That is where margin becomes more defensible, loss becomes more manageable, and differentiation becomes harder to commoditise. Strategy The Loss Control Imperative: Why the Winners in Insurance Will Be the Ones Who Reduce Risk, Not Just Price It Members Distribution Why Your First Insurance Client Should Be a Broker Members Compliance The Compliance Conversation You're Not Having Early Enough Free Underwriting The Data Question Every Underwriter Should Ask a Technology Partner Free Partnership How to Evaluate a Technology Partner Without Getting Stuck in Procurement Free Analysis From Pilot to Production: Why 90% of Insurance Technology Partnerships Stall After the Proof of Concept Free Partnership What Insurers Actually Mean When They Say "We're Interested" Free Strategy Build, Buy, or Partner? A Decision Framework for Insurance Technology Strategy Members Technology The Technology Radar: Ten Technologies Reshaping How Risk Is Understood, Managed, and Insured Members Partnership The Two-Way Partnership Test: What Technology Companies Should Be Asking Insurers and Brokers Members Telematics Beyond the Black Box: When Telematics Becomes an Underwriting Conversation Members Strategy The Insurance Readiness Gap: What We Find Every Time We Assess a Technology Company Members Distribution What Every Insurtech Gets Wrong About Broker Distribution Free Analysis The Pilot Graveyard: Why Most Insurtechs Never Get Past the First Meeting Free