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...
Aug 26, 2026
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...
Aug 19, 2026
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,...
