Sep 16, 2026
I asked four consumer AI systems to recommend an insurance agency. Their answers showed why the agency that is easiest to find and explain may have an advantage over the agency best equipped to place the risk. By James W. Moore Key Takeaways Before AI can recommend an...
Jul 22, 2026
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...
Jul 8, 2026
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...
Jun 24, 2026
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...
Jun 17, 2026
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...
Apr 29, 2026
By James W. Moore Key Takeaways Agents and brokers don’t complain about carrier inconsistency. They route around it — quietly, permanently, and without warning. Carriers have almost no visibility into the submissions that never arrive. They measure what they...
