IIAI ARTICLES
50 Regulators, One Platform
Regulatory Capability Is Starting to Move at Software Cadence Key Takeaways State insurance regulation remains decentralized by design. Increasingly, the infrastructure regulators use to collect, review, and analyze information is not. That convergence is not new. The...
The Carrier Owns the Decision Architecture
What Automated Underwriting Can Teach Us About AI Accountability Key Takeaways Insurance did not begin delegating decisions to machines with generative AI. Automated underwriting systems have been doing versions of it for decades, and they generally worked by making...
Noise Diversifies. Bias Accumulates.
Judgment, Determinism, and the Shape of Error in Insurance Key Takeaways Large language models can produce different outputs from identical prompts even when configured to minimize randomness, but some of that variation comes from how the system processes requests...
The Coming AI Questions for Reinsurers
The Economics of AI in Insurance, Part 3 By James W. Moore Key Takeaways Better underwriting does not create more risk-bearing capital. Carriers buy reinsurance for reasons that go well beyond confidence in their own risk selection, including capital, liquidity,...
What Happens When Underwriting Gets Cheap?
Artificial Intelligence May Change Competition More Than Demand By James W. Moore Key Takeaways AI's most important effect on insurance may not be labor displacement but capacity displacement: the creation of underwriting capacity faster than insurable exposure...
Insurance Isn’t Coal
Insurance Answers a Different Economic Question By James W. MooreFounder | Editor-in-Chief, InsuranceIndustry.ai If you've spent any time reading about artificial intelligence over the past year, you've probably run across Jevons Paradox. The idea isn't new. In fact,...
Access Isn’t Adoption
What Deloitte's 2026 AI Survey Means for Insurance By James W. Moore Key Takeaways Deloitte's 2026 State of AI in the Enterprise survey found financial services carries the highest share of surface-level AI use of any industry surveyed, even as worker access to AI...
Who Makes the Shortlist: The New Distribution Penalty
Distribution Economics — Part 3 By James W. Moore Key Takeaways Distribution has always run on an informal algorithm: the producer's accumulated feel for which carriers to trust, built from years of anecdote and correction. AI is starting to formalize that knowledge,...
Six Regulators, Six Answers: The AI Insurance Governance Map Nobody’s Drawn
Author: James W. Moore On June 18, 2026, China and India each moved to bind AI-driven claims and underwriting decisions under formal regulatory scrutiny, without any indication of coordination between them. Eleven days later, the European Union, the jurisdiction that...
The State of AI in Retail Insurance Agencies
Author: James W. Moore A landscape overview for independent P&C agents navigating a fast-moving market This piece is a companion to What Your AMS/PMS Is Building in AI, Near-Term. That piece covers what your platform vendor, Guidewire, Applied, Vertafore, and...
What Your AMS/PMS Is Building in AI, Near-Term
Author: James W. Moore A look at what's actually landing in the platform you're already running This piece is a companion to The State of AI in Retail Insurance Agencies. That piece covers the point-solution tools agencies are adding on top of their existing systems....
The Noise Is Everywhere. That’s the Problem.
An editorial by James W. Moore The most dangerous thing in insurance right now isn't AI. It's the noise surrounding it. Everywhere I turn for professional information: trade publications, conference main stages, consulting firm white papers, industry events, the AI...
Can You Actually Charge for Advocacy?
What Your State Says. By James W. Moore | InsuranceIndustry.AI Distribution Economics Series: Part 2 Key Takeaways Most states allow producers to charge fees, but "allowed" covers a wide range of conditions, restrictions, and disclosure requirements that vary...
What Does a 12% Commission Actually Buy?
AI Is About to Answer That Question. By James W. Moore | InsuranceIndustry.AI Distribution Economics Series: Part 1 This is the first article in an ongoing series examining how AI is reshaping the economics of insurance distribution. Part 2 looks at the regulatory...
AI is Insurable
But Not the Way You Think. By James W. Moore In February 2026, according to AIUC's announcement, ElevenLabs became the first company to go live with a dedicated AI liability policy, backed by Lloyd's market capacity with limits up to $50 million. It required more than...
Deepfakes Were the Warning Shot:
Insurance Is Now Fighting Synthetic Claims Editor's Note: This article follows our January analysis of AI weaponization in insurance, The AI Arms Race, and builds directly on the structural arguments in "The AI Sidecar Strategy" and "AI Didn't Just Change the Tools —...
AI Insights May 29 2026
States Are Drawing Lines on AI Claims Decisions. The Map Is Getting Complicated. Three states have now enacted laws that directly regulate how health insurers can use artificial intelligence in claims coverage decisions, and the frameworks they have chosen are...
AI Didn’t Just Change the Tools. It Changed the Architecture.
Why companies that treat AI as a technology upgrade are solving the wrong problem. By James W. Moore | InsuranceIndustry.AI Key Takeaways AI is not a productivity upgrade. It is a structural disruption to the economic logic that determined how insurance organizations...
Billions Left Behind: How AI Rewrites the Economics of Subrogation
By James W. Moore Key Takeaways An estimated $15-20 billion in recoverable subrogation dollars goes uncollected annually -- not from incompetence, but from economics that made most cases not worth pursuing. AI shifts subrogation from selective, episodic recovery to...
Your AI Is Already Being Trained. The Question Is by Whom.
Every claims override, underwriting exception, and appeal reversal is a feedback signal. Most carriers have no idea what those signals are teaching their models. By James W. Moore | InsuranceIndustry.AI Executive Summary / Key Takeaways Any insurance carrier that has...