May 13, 2026
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...
May 5, 2026
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...
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...
Apr 22, 2026
By James W. Moore | InsuranceIndustry.AI Executive Summary / Key Takeaways AI was deployed to improve efficiency and accuracy. Exposing decades of institutional inconsistency was not in the requirements document — but that’s what it’s doing. Inconsistency...
Apr 15, 2026
By James W. Moore | InsuranceIndustry.AI Executive Summary / Key Takeaways A Nobel Prize-winning study found 55% variance among underwriters pricing identical risks at the same carrier, revealing governance gaps that predate AI entirely. AI-driven systems can shift...
Apr 10, 2026
WHEN AI STARTS ACTING ON ITS OWN: THE GOVERNANCE GAP INSURERS AREN’T READY FOR By James W. Moore Key Takeaways AI in insurance is shifting from tools that assist human decisions to autonomous agents that execute multi-step workflows independently. Most governance... 