AI Has a Physical Insurance Problem

AI Has a Physical Insurance Problem

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...
What Your AMS/PMS Is Building in AI, Near-Term

What Your AMS/PMS Is Building in AI, Near-Term

Jul 8, 2026

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...
AI Didn’t Just Change the Tools. It Changed the Architecture.

AI Didn’t Just Change the Tools. It Changed the Architecture.

May 26, 2026

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...
The AI Sidecar Strategy

The AI Sidecar Strategy

May 20, 2026

Download PDF The AI Sidecar Strategy How Legacy Carriers Can Build the Future Without Dismantling the Present By James W. Moore InsuranceIndustry.AI Executive Summary The evidence on legacy transformation is unambiguous. BCG has reported that 74% of large-scale...
Billions Left Behind: How AI Rewrites the Economics of Subrogation

Billions Left Behind: How AI Rewrites the Economics of Subrogation

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...