The convergence of AI and insurance is creating new products, customer experiences, and standards of excellence. We've summarized the latest news and studies to connect you with the critical events and innovations that are shaping our industry's intelligent future.
Latest Articles as of November 20
News: A new survey finds that 86% of Americans trust AI to help them shop for auto insurance
The root of it: Insurify’s inaugural AI Insurance Report finds that 86% of more than 3,000 US drivers surveyed are willing to trust AI with key aspects of the car insurance purchase process. Other highlights include that 42% of respondents have already used AI assistants to shop, and 49% say they’d be willing to share driving or personal data if AI could save them $1,000 annually. Additionally, 53% expressed a preference to receive advice from a human agent.
News: What have we learned from recent AI casualty exposure lawsuits?
The root of it: Drawing on recent decisions, US courts are beginning to treat AI chatbots as products – meaning large language model (LLM) providers could face traditional product liability exposures. These rulings suggest that when alleged harm stems from an AI system’s design, First Amendment arguments may not be applicable. For insurers underwriting or covering AI use, the signal is clear: treat AI like any other technology with meaningful liability risk.
News: Anthropic announces a major AI cybersecurity breakthrough
The root of it: The builder of Claude chatbots reports having disrupted the first known large-scale cyber-espionage campaign, mainly executed with AI, highlighting a pivotal advance in AI-driven cyber defense. After detecting and investigating unusual activity, the company shut down malicious accounts, notified affected organizations, and cooperated with the relevant authorities. The perpetrator, assessed with high confidence to be a Chinese state-sponsored group, had successfully bypassed Claude Code’s safeguards.
News: A global Cloudflare outage disrupts ChatGPT, NJTransit, X/Twitter, and others
The root of it: A worldwide service disruption at Cloudflare knocked out major websites and online platforms, including ChatGPT, X (formerly Twitter), New Jersey Transit, US federal energy regulators, and other organizations. The cybersecurity giant traced the event to a malfunctioning configuration file, and not a cyberattack, and restored most services within six hours. The incident, one of several in recent years, highlights the significant reliance of global internet and business operations on a handful of infrastructure providers.
News: Why manage more managers when you can manage AI agents instead?
The root of it: The rise of “AI agent manager” roles is reshaping org charts as businesses deploy AI agents across sales and operational tasks. These positions require technical fluency – e.g., training agents, structuring workflows, reviewing outputs – but not traditional people-management experience, making them accessible even to recent graduates. PwC and other companies expect to fill many of these roles through upskilling rather than external hiring.
News: Chinese researchers go old-school to build an analog chip 1000x faster than Nvidia GPUs
The root of it: A team of researchers at Peking University has developed an analog computing chip constructed from resistive RAM (RRAM) cells that tackles the long-standing precision issues of analog processors. Instead of the digital “1s and 0s” approach, this chip processes continuous electrical currents, reporting 1,000 times greater throughput at energy consumption levels roughly 100 times lower than those of current top-end GPUs such as the Nvidia H100.
News: Hollywood A-listers ink deals to let AI “clone” their voices
The root of it: Showbiz heavyweights Matthew McConaughey and Michael Caine have signed deals with AI audio firm ElevenLabs to create licensed synthetic versions of their voices for commercial use. The initiative launches the company’s new “Iconic Voice Marketplace,” which enables brands and creators to access select celebrity and historical voices – but only with compensation and explicit permission, of course.
Latest articles as of November 13
The root of it: Gallagher Re reports Q3 2025 insurtech funding at $1.01b, down 7.3% from Q2, with just 76 deals – the fewest since Q2 2020. AI-centered startups captured 74.8% of capital as investors pivoted from mega-rounds to a more balanced, incumbent-supportive strategy. Early-stage funding rose 6.8% year over year. Commercial lines-focused insurtechs drew $470.7m, highlighting AI use in underwriting workflows, application validation, and portfolio analytics.
News: The EU is considering big techs' appeals to weaken parts of the forthcoming AI Act
The root of it: The European Commission may delay parts of the EU AI Act due to pressure from US tech companies and the Trump administration. Options being weighed include a one-year grace period for high-risk breaches, postponing fines until August 2027, and more flexible monitoring guidance. Business leaders from Airbus to Mercedes also backed a pause, while lawmakers warned that delays risk legal uncertainty. Proposals could be unveiled as soon as November 19.
News: A Canadian legal expert says insurers can’t afford to wait for new AI laws
The root of it: At the National Insurance Conference of Canada (NICC), a legal expert urged insurers to implement AI governance now. Even with Canada’s Artificial Intelligence and Data Act (AIDA) stalled, existing federal and provincial privacy rules – and contract, tort, product, and professional liability standards – already apply to AI in claims, pricing, and fraud. The body’s guidance follows a recent Canadian civil resolution criticizing Air Canada’s claim that the airline wasn’t responsible for answers generated by its customer service chatbot.
News: “AI washing” suits are impacting D&O insurance claims and underwriting
The root of it: Shareholder lawsuits accusing companies of “AI washing” – inflating or misrepresenting their use of AI to boost valuations – are reshaping areas of D&O risk management and insurance. Over 50 class actions since 2020 have targeted firms like Presto Automation and Innodata. The resulting defense and settlement costs highlight potential exposure to clashes across D&O, E&O, and cyber lines, prompting tighter underwriting scrutiny and regulatory attention.
News: Which 3 key areas of focus can drive agentic AI success?
The root of it: A McKinsey & Company study, Agents for Growth: Turning AI Promise into Impact, highlights three critical focus areas for scaling agent-based AI. First, prioritize AI deployment in high-value growth domains rather than target broad productivity wins. Second, reimagine workflows end-to-end to seamlessly integrate AI agents across processes. Third, adopt new organizational structures and ways of working necessary to scale agentic AI, including cross-functional human-AI teams, shared data products, and governance that treats agents like managed talent.
News: Forrester predicts significant growth in cyber insurance and cyberthreats in 2026
The root of it: The research giant's analysts forecast that written cyber premiums will rise 15% in 2026 as AI adoption broadens the range of potential attack targets and enhances criminals’ capabilities. This report also expects cyber insurers to expand defense services, risk tools, and new underwriting approaches. Forrester also predicts that expense ratios at leading insurers will decline by two percentage points through the adoption of AI and automation.
News: GM to become the latest carmaker to sell auto insurance in California
The root of it: General Motors will launch auto insurance in California in March of 2026. Coverages offered will include liability, comprehensive, collision, and uninsured motorist, with options for rideshare and delivery drivers, roadside assistance, and OEM parts for their vehicles. The auto giant’s offerings will emphasize digital servicing and telematics, with its OnStar services aiding in crash detection and claims. GM Insurance presently operates in 18 states.
Latest articles as of November 6
News: Citizens is no longer Florida’s biggest property insurer
The root of it: Citizens Property Insurance, Florida’s state-run insurer of last resort, shed nearly 200,000 policies in October, ending its run as Florida’s largest property insurer. Through the public insurer's state-mandated Depopulation Program, Manatee, Homeowners Choice, Slide, and other approved private carriers absorbed tens of thousands of policies. Citizens’ CEO Tim Cerio credits legislative reforms for cutting the public insurer’s exposure by 43%, indicating recovery in The Sunshine State’s long-troubled property market.
News: Recent Amazon, Microsoft, IBM layoffs tell a much bigger story than AI’s impact on labor
The root of it: Announced mass layoffs at major technology and logistics businesses reflect both the real impact of AI automation and a market correction, not just “AI taking jobs.” While AI now performs routine tasks once done by humans, many firms also overexpanded during the COVID pandemic. Companies are using automation to boost efficiency amid economic pressures – signaling a dual shift in technology and workforce realities.
News: Reinsurers mostly on the hook to rebuild Jamaica after Hurricane Melissa
The root of it: Jamaica’s first-ever Category 5 hurricane to make landfall, Melissa (maximum wind speed:185 mph), caused up to $10 billion in property damage and $22 billion in overall economic losses. With fewer than 5% of properties insured, international reinsurers will shoulder nearly all insured losses. A $150 million World Bank catastrophe bond may provide a modest payout if storm data is confirmed to meet parametric triggers. However, this financial vehicle’s contribution would cover only a fraction of the nation’s massive recovery costs.
News: New J.D. Power personal auto lines study shows flat approval ratings amid higher deductibles
The root of it: J.D. Power’s 2025 Auto Claims Satisfaction Study shows consumer sentiment holding steady. More drivers are cutting costs – 26% are now opting for deductible amounts of $1,000 or more – and 7% avoided filing claims altogether. Erie Insurance ranked highest in satisfaction, followed by NJM, Liberty Mutual, Nationwide and Auto Club of Southern California. Repair times shortened slightly, but total loss claims rose to 27%, showing continued pressure on costs and service.
News: Academic study proves that AI can make us smarter, but not always wiser
The root of it: A study of nearly 700 participants found that using AI improved logical reasoning but clouded users' self-awareness. People most familiar with AI performed better yet tended to overestimate their success. The usual Dunning–Kruger effect (where novices overrate and experts underrate their skills) disappeared, as AI made everyone “smarter,” but also surer of themselves. In an insurance context, it underscores that AI’s value in improving workflow speed and accuracy matters most when it empowers expert judgment, rather than replacing it.
News: Cybersecurity experts indicted in massive cryptocurrency shakedown
The root of it: Prosecutors say three US-based cybersecurity professionals secretly operated an ALPHV/BlackCat ransomware scheme, encrypting company networks to extort cryptocurrency. The defendants allegedly acted outside their roles at cybersecurity firms DigitalMint and Sygnia. Neither firm was implicated in the attacks. One unnamed co-conspirator may also have been a DigitalMint employee. This indictment was filed in the US District Court in Miami.
News: Are we approaching the point when only AI will be capable of monitoring AI?
The root of it: AI now touches every area of insurance – from underwriting to fraud detection in claims – delivering massive improvements in speed and precision, while also introducing new oversight challenges. The National Association of Insurance Commissioners (NAIC) is surveying insurers to map the use of AI and provide guidance on emerging regulations. As insurance AI systems grow more complex, the article’s author asks whether, ultimately, only AI will be capable of monitoring AI itself.
Read our 2025 State of AI Adoption in Insurance Report for insights and perspectives on AI adoption from more than 240 insurance executives.