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Insights
The Great British Paper Trail Has Met Its Match
Insurance built rails for documents, claims, and settlement, but never for the decision itself. Drawing on sixty-one senior-practitioner interviews and twenty-one published sources, this Verida Charter Foundation white paper names the structural condition behind nine familiar symptoms, and sets out what comes next.
May 284 min read
Different Lens, Same Disease
What Munich Re’s 2026 Tech Trend Radar Names—and What It Does Not A Serious Document, Not a Brochure Munich Re published its Tech Trend Radar 2026 on the fifteenth of April, and it arrives with the reassuring heft of a document that has been argued over in conference rooms rather than assembled in a marketing department. Ninety-six pages, twenty-three trends, four domains, each assigned a maturity rating from “Hold” to “Adopt.” It is co-published with ERGO and signed by the C
May 196 min read
Boundary Blindness: How Successful Firms Route Around the Gap That Defines the Market
In the past two weeks, four independent publications have named the same structural problem in slightly different vocabularies. ACORD published its 2026 Insurance Digital Maturity Study in April, covering 210 insurers and roughly sixty per cent of global gross written premium. Its Digital Maturity Assessment Framework spans eight capability areas, each measured from inside the firm. Munich Re and ERGO published the Tech Trend Radar 2026 on 25 April, placing AI Governance at “
May 95 min read
The 5th Hurdle Is Not About AI
The Lloyd's Claims Management Hurdle came into force on the first of January, and the first thing nearly every commentator wrote about was the artificial intelligence. This was understandable. AI is the noise of the moment, and a sign-off regime that asks managing agents to demonstrate human oversight of automated decision-making is exactly the sort of thing the trade press is built to summarise. There were thoughtful pieces. There were fewer thoughtful pieces. There were ven
May 54 min read
The Cyber Claim and the Boxcar Sigillum
Why did the insurance market build the rails but forget the sealed carriage that carries trust A Village Fête in a Thunderstorm Where urgency dresses itself as coordination. There are few spectacles in commerce quite as revealing as a cyber-insurance claim in motion. From the brochures, one imagines dashboards glowing and senior people making decisions with the calm of air-traffic controllers. In practice, it can resemble a very expensive village fête during a power cut. The
May 14 min read
The Coordination Gap
What happens when a claim crosses firm boundaries in the London Market, and what happens when the regulator asks for proof In the London insurance market, no one writes risk alone. A single policy might sit across a lead syndicate and dozens of followers. It is an elegant structure that has worked for centuries. But what happens at claim time? The lead reviews the evidence and makes decisions. The following market accepts those decisions. The system moves. But there is no s
Apr 283 min read
AI in Claims Is Only Half the Conversation
AI can explain itself inside your firm. It goes strangely quiet the moment the claim crosses the street. A point has been circulating the claims community lately—quietly at first, then with the peculiar persistence of something true but slightly inconvenient. It goes like this: when a claims professional can click through an AI recommendation and see exactly how the system arrived at its conclusion, they treat that recommendation differently. Transparency changes behaviour. A
Apr 74 min read
The Reinsurance World’s Most Dangerous Risk Isn’t a Hurricane
It’s data without trust—and the increasingly mad scramble to pretend that doesn’t matter. In the upscale halls of Monte Carlo and the slightly more humid backrooms of Baden-Baden, the reinsurance market performs its biannual ritual: panel after panel of well-pressed suits discussing “innovation,” “resilience,” and that most slippery of terms—“transformation.” There’s always the clink of crystal, the nodding of agreement, the occasional brave soul mentioning AI like they’ve se
Dec 18, 20257 min read
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