Oct 7, 2026
When AI Turns the Internet Into an Underwriting File, Accurate Evidence Can Still Produce an Inaccurate Decision By James W. Moore Key Takeaways Underwriters have been checking websites and outside sources for decades. AI changes the economics by making that research...
Sep 30, 2026
AI, Delegated Underwriting, and the Limits of Insurance Unbundling AnalysisThe Economics of AI in Insurance, Part 4By James W. Moore Key Takeaways Delegated underwriting and the separation of insurance functions long predate modern artificial intelligence. AI did not...
Sep 23, 2026
How Data Centers Are Testing Insurance Capital, Underwriting, and Claims AnalysisBy James W. Moore Key Takeaways AI data centers are not creating entirely new property risks. They are concentrating familiar risks inside projects of unfamiliar size, complexity, and...
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...
Sep 9, 2026
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...
Sep 2, 2026
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...
