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The Future of Insurance

The Future of Insurance

著者： Bryan Falchuk
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概要
 For over a century, the Insurance industry has stood by people at the worst moments of their lives, and kept the risk of these moments from standing in the way of people pursuing their dreams. But the industry, and the demands of the people we serve, are changing. The Future of Insurance podcast brings you thoughts from leaders from across the industry to help inspire and inform how we can all help evolve into the future. Brought to you by Bryan Falchuk, industry veteran and author of the best-selling series, "The Future of Insurance: From Disruption to Evolution"Insurance Evolution Partners 経済学
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  • The Future of Insurance - AI in the Future of Claims at JCEA 2026

    The Future of Insurance - AI in the Future of Claims at JCEA 2026
    2026/11/03
    Episode Detail Recorded live in front of senior Claims leaders, this panel episode of The Future of Insurance brings together two founders rethinking long-standing parts of the property claim. Curtis Kincaid, Founder & CEO of Scopeworx, and Alexis Vertefeuille, Founder & CEO of Sinistar, join Bryan Falchuk to talk about where AI and market data are making a real difference in Claims today, and where they still fall short. Curtis explains why a general-purpose chatbot can't produce a roof estimate a carrier can defend, and how guided inspections and live, weekly labor and material pricing produce consistent results inside Xactimate and Cotality. Alexis describes how a bidding marketplace for temporary housing has sped up placements for displaced families while lowering costs, and why carriers should keep their data organized and in-house as owning their own AI becomes realistic. The conversation also covers AI bias versus human bias, the risk of AI "wrappers," slow adoption cycles, and how the adjuster's role is changing. Guest Bios Curtis Kincaid is the Founder & CEO of Scopeworx, a roof estimating marketplace that produces third-party, unbiased roofing estimates for property claims. He has more than 15 years of experience in insurance and restoration. From 2004 to 2018 he worked in catastrophe adjusting and management, and he then built and led a 17-person estimating firm that produced and settled more than 200,000 estimates. He founded Scopeworx to bring balance and speed to roof claims by giving carriers, contractors, adjusters, attorneys, and homeowners the same transparent, market-based pricing. Alexis Vertefeuille is the Founder & CEO of Sinistar, an AI-enabled temporary housing platform built for insurance claims. He started the company in Quebec after helping a friend's mother who had been displaced by a house fire and spent months in a hotel. He went on to build a bidding marketplace where vetted local hosts compete to house displaced policyholders in furnished homes. He holds a law degree from Université Laval, which he completed while founding Sinistar. He was named to the 2024 Forbes 30 Under 30 North America list in the Social Impact category. This episode was recorded live at the 2026 JCEA Annual Fall Meeting. Show Notes: Bringing the Market Into the Claim: Competition for every relocation: Sinistar invites hosts to bid on each temporary housing placement, which widens supply and, per Alexis, has lowered temporary housing prices by about 15%. Pricing that reflects today: Scopeworx tracks labor from about 3,500 contractors and pulls material pricing by API, updating every Friday, so estimates hold up even when a major CAT event moves the market. Historical data has its own bias: Curtis notes that carrier data built on past settlements reflects past guidelines and negotiations, which live market data helps avoid. Where General-Purpose AI Falls Short: Same prompt, five answers: Curtis's team ran an identical prompt through the same chatbot five times and got estimates up to 30% apart, a result no carrier could defend. AI where it fits: Scopeworx uses AI for routine work like letters, notes, and homeowner texts, and keeps guardrails on estimating, with guided inspections mapping directly to line items in Xactimate or Cotality. Beware the wrapper: Alexis cautions against tools that resell general-purpose models, and says trustworthy AI is trained on one specific decision, much as autonomous vehicles orchestrate task-specific agents. Bias, Trust, and Owning Your Data: The human side of bias: Bryan asks why AI bias draws scrutiny that human bias rarely does. Alexis sees a need for independent testing to show an AI isn't tilted toward profit or particular suppliers. Your model, your priorities: Alexis expects carriers to own or rent models trained on their own data, built around their own priorities on price, quality, or communication, and urges them to organize their data and keep it in-house. Two estimates, one choice: Scopeworx can build a carrier's guidelines into an estimate and also produce one without them, so adjusters can see a public adjuster's challenge coming. Carriers that don't want the second estimate can toggle it off. The Adjuster's Role Going Forward: Seven files an hour: One IA firm cut a 40-minute estimate-writing task to under five seconds, landing within about five cents of the handwritten result and lifting output from about one and a third files per hour to around seven. The decision stays human: Curtis wants adjusters to be more efficient, and points out that the settlement decision still belongs to the adjuster until laws and comfort levels change. Consistency across the street: Technology-driven estimates help keep neighbors with similar losses from getting very different results from the same carrier. The expertise pipeline: Bryan raises a longer-term concern: if AI takes the simpler claims, the Industry needs new ways to develop expertise in ...
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    40 分
  • The Future of Insurance - Discomfort Curiosity with Bryan Falchuk

    The Future of Insurance - Discomfort Curiosity with Bryan Falchuk
    2026/10/27

    Episode Detail

    A comment at a claims conference sparked this solo episode of The Future of Insurance: at events across the Industry, it can feel like everything is AI now. Bryan Falchuk takes that reaction seriously. The numbers rarely support it, but the discomfort behind it is real, especially for professionals in restoration, contracting, and other hands-on parts of Claims who are watching change swirl around their work.

    Bryan argues that discomfort is a signal worth following. Drawing on a talk by Jessica Eldridge, SVP & Practice Director of Cyber at J.S. Held, on the overlap between cyber and property risk, he shows how AI-driven data centers are creating new physical exposures, and how AI's growing role in supply chain management touches even the most traditional trades. Digging in may reveal an opportunity, or lead to the informed conclusion that a trend doesn't affect you yet. Either way, you come out better prepared. When change feels uncomfortable, that's the moment to get curious.

    Show Notes:

    When It Feels Like Everything Is AI:

    • An attendee at the Virginia State Claims Association conference told Bryan that PLRB events feel like they're all AI now.

    • In practice, AI and tech account for under 30% of vendors and sessions at PLRB events, including its innovation-focused summit.

    • The percentage matters less than the perception. For people in traditional, physical parts of Claims, the change feels like it's everywhere, and that's uncomfortable.

    Discomfort as a Signal:

    • Bryan suggests treating discomfort as a sign of change happening around your work, even when it isn't directly in your work.

    • Worries about AI and jobs are valid, and there are real arguments on both sides, which is exactly why understanding the dynamics matters.

    • Bryan has explored this tension in his writing on what AI could mean for the agent and broker channel.

    Where Cyber Meets Property:

    • Jessica Eldridge, SVP & Practice Director of Cyber at J.S. Held, spoke at the same event on the interplay between cyber insurance and property.

    • Data centers carry major property exposure during construction and once built, and they are attractive cyber targets.

    • Bryan points to a recent case in France where refrigeration settings in grocery stores were altered, causing spoilage and, in some cases, fire. Data center cooling faces the same kind of risk.

    • For restoration and contractor firms working in commercial spaces, understanding these risks could open new opportunities or inform a decision to stay out.

    Even Traditional Work Runs on a Supply Chain:

    • Construction, auto repair, and restoration all depend on materials and tools moving through supply chains.

    • COVID showed how disruption can stop work entirely, and tariffs and geopolitical conflict keep the pressure on.

    • AI is increasingly used to route goods around those constraints, so it reaches physical trades whether they engage with it or not.

    Get Curious: Digging in may lead you to conclude that a trend doesn't affect you, but you'll have reached that conclusion informed and you'll be ready if it changes.

    This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk.

    Follow the podcast at future-of-insurance.com/podcast for more details and other episodes.

    Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.
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    9 分
  • The Future of Insurance - Caroline Thompson, CUO, Operations, At-Bay

    The Future of Insurance - Caroline Thompson, CUO, Operations, At-Bay
    2026/10/20
    Episode Detail Cyber insurance has changed what it delivers to policyholders twice in roughly 15 years: first with breach response, and then with outside-in scanning that helps a business become a better risk before it is ever quoted. Caroline Thompson helped build both. In this episode, Bryan Falchuk talks with Caroline, CUO, Operations at At-Bay, about what she saw at the forefront of those shifts, how At-Bay's InsurSec model pairs every policy with security services for small businesses that lack the people to defend themselves, and why VPNs became one of the clearest signals of risk in cyber. Looking ahead, Caroline shares why she believes the cyber market is due for consolidation, why AI exposure is so hard for underwriters to separate from AI marketing, and where she sees the next gap: personal cyber coverage for individuals and executives who are on their own when their personal accounts are compromised. Guest Bio Caroline Thompson is CUO, Operations at At-Bay, the InsurSec company that pairs cyber insurance with active cybersecurity for small and mid-sized businesses. She brings more than 15 years of insurance experience, much of it spent building underwriting operations from the ground up. Caroline came into insurance through internships at Catlin in London and Hannover Re, and wrote her senior thesis at Providence College on microinsurance. She built her underwriting foundation at Beazley, where she moved onto the cyber team, followed by roles at Zurich North America and Argo Group. In 2019 she joined Cowbell as its 13th employee and head of underwriting, becoming part of the founding leadership team. She created Cowbell's Prime 250 product and led its form filing and acceptance in all 50 states, rising to SVP of Underwriting and Reinsurance and then Chief Underwriting Officer. She later joined Elixir, a newly launched AI-driven cyber MGA, as Chief Underwriting Officer, before joining At-Bay, where she served as Middle Market CUO before taking on her current role. She was named a Business Insurance Break Out Award winner in 2021. A former nationally competitive synchronized swimmer, she says she enjoys the early, ambiguous stage of building a team, framework, or process from scratch. Show Notes: Two Shifts That Redefined Cyber Insurance: Breach response becomes standard: At Beazley, Caroline watched cyber grow from an infosec tower into a policy with a response team built in, now a component of nearly every cyber policy. Underwriting before the loss: A wave of InsurTech MGAs began scanning a prospect's outside perimeter at scale to understand the risk, and make it better, before binding. Why it had to change: Paper submissions and the time it took an underwriter to get a quote out were never going to scale. Data as an Early Warning System: The volume of data: What surprised Caroline most on joining At-Bay was the sheer amount of data available to assess each individual risk, with research and risk teams constantly looking for trends and red flags. VPNs as a signal: At-Bay was early to identify VPNs on customers' systems and alert them to next steps, an indicator of compromise the rest of the market later came to recognize. What InsurSec Means in Practice: Insurance and security under one roof: At-Bay's insurance company and security company both report into the same parent. Built into every quote: Every package includes some free security services plus an InsurSec option with deeper protection, including the Stance platform and managed detection and response (MDR). Help small businesses can't staff on their own: Policyholders can send a suspicious email or a request to change wire instructions to At-Bay's team and get an immediate answer on whether it's safe. Joining Munich Re: Caroline on At-Bay's long relationship with Munich Re and why joining the Munich Re family under HSB makes sense. A Market Due for Consolidation: Too many players: Caroline believes the number of MGAs that sprang up in cyber isn't sustainable, and that consolidation is needed and already underway. The end of the runway: Many MGAs are reaching the end of their funding and facing a decision on what comes next, as technology that once stood out becomes more common. MGAs as the Industry's lab: Bryan frames this cycle as how new exposures get worked out, with innovation in MGAs eventually folding into larger organizations. AI Exposure and the Underwriting Challenge: Real AI risk versus AI marketing: Every market is struggling to separate true AI exposure from operational risk or AI branding, much like companies adding ".com" to their names in the early 2000s. New skills and tools: Underwriters need training to assess it, and carriers need to build or buy tools to understand it at scale. Room for specialists: With much of the market staying quiet on AI, Caroline sees opportunity for niche MGAs with AI liability-specific products. The Personal Cyber Gap: Individuals on their own: Friends, family, ...
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    22 分
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