Research topic
Underwriting
Underwriting
Agentic Underwriting Has a New Owner. Its Evidence Still Has to Be Earned.
Free
As pricing software moves inside core platforms and AI agents start calling external risk data, integration stops being the barrier. Evidence of loss reduction becomes the only durable edge.
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.
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.
Underwriting
Agentic AI: What Evidence Would Make the Risk Insurable?
Members
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.
Framework
Pricing the Shape, Not the Score: What Underwriters Should Extract from Risk-Technology Data
Members
Analysis
The Prevention-to-Pricing Gap
Free
Underwriting
The Data Question Every Underwriter Should Ask a Technology Partner
Free