In this episode, Tracie Thompson, Global Head of Strategic Clients at Cytora, joins FNO: InsureTech to discuss how technology is transforming underwriting while preserving the essential role of human judgment. Drawing on her experience working with global insurers, Tracie explains how Cytora digitizes submission intake and enables underwriters to move away from fragmented data and manual processes toward faster, more consistent decision-making.

The conversation explores the realities of serving multinational insurance organizations, where technology adoption must balance standardization with local regulatory and operational complexity. Tracy also draws on her experience at AIG to share insights on leadership, resilience, and the importance of trust in complex market environments. Throughout the episode, she emphasizes that the future of underwriting lies in collaboration between advanced analytics and experienced human insight.

Key Highlights

• Tracy discusses Cytora's role in digitizing submission intake and underwriting workflows, enabling underwriters to synthesize large volumes of structured and unstructured data while reducing manual triage and administrative burden.

• The episode explores how Cytora operates as a platform within the underwriting ecosystem, supporting consistent decision-making across teams, regions, and lines of business.

• The conversation examines how global insurers navigate uneven regulatory frameworks and market conditions, requiring technology providers to balance standardization with local adaptability.

• Tracy draws on her experience at AIG to share insights on leadership, organizational resilience, and the importance of trust across insurers, clients, and partners in complex operating environments.

• The discussion looks at the practical realities of integrating AI into underwriting workflows, including adoption barriers, explainability, and cultural resistance. AI is positioned as a decision-support tool that enhances, rather than replaces, underwriter judgment.

• As experienced insurance professionals approach retirement, Tracy highlights the urgency of knowledge transfer and preserving institutional expertise. Technology can help capture and scale this knowledge, but human intuition remains central to complex risk decisions.

• The episode also addresses the insurance industry's branding and talent challenges, emphasizing the need to attract diverse, analytically minded professionals and reposition insurance as an innovative, impact-driven career.

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In this episode, Wesley Pergament, Co-Founder and CEO of Sola Insurance, joins FNO: InsureTech for an in-depth discussion on how Sola uses objective weather data and a hybrid policy model to address major pain points in property insurance. With roots in disaster recovery and technology, Wesley explains Sola's evolution from a tornado-focused product to comprehensive wind and hail coverage, targeting gaps left by high deductibles and widespread fraud. The conversation details Sola's careful expansion into 15 states through partnerships with vetted agency networks and ongoing engagement with organizations such as Lloyd's, both as coverholder and Lloyd's Lab participant.

Key Highlights

• Inspired by first-hand experience with Hurricane Sandy, Wesley describes Sola's foundation to help communities recover from natural disasters using data and engineering expertise.
• Sola started by offering tornado-specific parametric coverage before expanding to meet the scale of wind and hail losses, which together cause significantly higher annual damage than hurricanes or wildfires.
• Sola combines elements of parametric and indemnity insurance, optimizing for accurate, correlated loss response and aligning insurer and policyholder interests. The model leverages detailed weather analytics and property data in claim assessment.
• The company's core proposition is addressing the growing insurance gap as traditional home policies raise wind and hail deductibles—often above the cost of roof replacement. Sola's data-driven validation reduces exposure to opportunistic claims, supporting more efficient operations and sustainable loss ratios.
• Sola's claims are managed independently from primary carriers, typically settling within a few days after hail or wind events. The process relies on verified weather data, roof and property characteristics, and photographic evidence.
• Sola's selective agency strategy prioritizes established, reputable agents and sustained territory and account management support. The distribution approach focuses on quality representation and claims service excellence.
• Sola's participation in the Lloyd's Lab accelerator and current status as a Lloyd's coverholder have supported product development and reinsurance relationships. Product modeling draws from both proprietary analytics and leading catastrophe models (ISO/Verisk, RMS).
• State insurance departments, including Oklahoma, have highlighted Sola's program as a potential solution for homeowners facing increased premiums and limited wind and hail coverage.

Terry McLean, co-founder and CEO of SageSure, joins FNO: InsureTech for a detailed look at SageSure's beginnings, the company's focus on coastal and catastrophe-exposed property, and their disciplined approach to underwriting. McLean outlines SageSure's path from its first policy in 2009 to a multi-state, multi-billion dollar business, discusses recent acquisitions, and describes the company's approach to technology and culture based on observable behaviors. The conversation covers the practical factors that have shaped SageSure's strategy in challenging markets, quoting directly from McLean's experience and the company's evolution.

Key Highlights

• The inception of SageSure based on the recognition of permanent dislocation in coastal property markets, and the pursuit of serving preferred but underserved customers by underwriting risk with discipline and care.
• SageSure's focus on gradual, organic growth, prioritizing profitability for carrier partners through comprehensive underwriting, including inspection of every home insured.
• Insights into the rationale behind entering catastrophe-prone markets that others avoided, and the business model built around pricing accurately for risk.
• Exploration of SageSure's acquisitions of GeoVera and Olympus, including the specific "carrier bifurcation" strategy used in these deals and the multi-year process of integrating technology and teams.
• Overview of investments in proprietary technology to deliver what McLean calls a "market leading buying experience" for producers, including API-driven integration and continuous improvement based on producer feedback.
• Explanation of SageSure's internal culture, highlighting "behaviors we value"—namely, "We Are Fountains," "We Run Down the Hall," and "We Don't Try"—and their origin and impact on daily interactions.
• The background behind the SageSure name and branding transition from Coastal Risk Underwriters.

In this episode of FNO: InsureTech, host Rob Beller speaks with Tim Attia, CEO and Co-Founder of Slice Labs, for a detailed discussion on the company's evolution and product strategy. Tim describes how Slice transitioned from on-demand and gig economy insurance to higher-premium E&S and contractor general liability coverage, explaining the impact of automation and AI on their approach. The conversation highlights Slice's focus on operational efficiency and streamlined agent experience amid changing market and profitability demands.

Key Highlights

• Tim Attia traces Slice Labs' shift from small, on-demand gig policies to E&S and contractor-focused products, including annual and project-based general liability, in response to changes brought on by COVID-19 and market realities.
• The episode examines how Slice employs automation, algorithms, and AI for business classification and underwriting, allowing significant growth without proportional increases in staffing.
• Slice's digital platform enabled rapid, low-friction underwriting for agents in E&S, removing many of the traditional obstacles agents faced in placing contractor risks.
• Tim introduces the concept of "risk DNA"—using neural networks, historic data, and both machine and underwriter insights to guide risk assessment and underwriting as policies grow in size and complexity.
• There is a focus on the adoption of tools such as generative AI and document extraction to streamline workflows for underwriters and developers alike.
• Tim emphasizes that insurance is inherently more complex than technology alone, requiring both advanced data modeling and nuanced human judgment.
• The discussion also covers experiences at conferences such as WSIA and Target Markets, the enduring role of agents and wholesalers, and the importance of staying close to carrier partnerships as methods and partnerships in distribution and underwriting change.

In this episode, FNO: InsureTech hosts Nic Sproul, managing partner at SP Partners, for a close look at bridging engineering with property claims innovation across the UK and Europe. Nic discusses his transition from a foundation in mechanical engineering and his formative years as an engineer with a leading US silicon chip firm, to building and advising businesses at the intersection of insurance and technology. The conversation explores how a mindset shaped by analytical rigor and operational experience advances property claims management, technology pilots, and collaborative initiatives within the sector.

Key Highlights

• Nic details his professional journey, reflecting on how an engineering apprenticeship and experience with a Fremont-based US silicon chip company created a foundation for bringing a technical perspective to the property claims arena.
• Emphasis on a practical, analytical mindset as the throughline connecting Nic's work in technology and insurance. He highlights that identifying the right problems to address is key to adding value.
• Nic participates as an active collaborator with I Love Claims, the UK's largest claims-focused open forum, supporting peer engagement, industry exchange, and charitable initiatives.
• Insight into innovation projects, including Nic's advisory role with a team pitching what they believe to be Europe's first AI model for PFAS ("forever chemicals") risk at Lloyd's Lab, aimed at understanding emerging environmental liabilities.
• Discussion of how Optira's satellite data solutions are helping accelerate detection of property subsidence, reducing assessment periods from many months to a matter of weeks, and commentary on cost and adoption considerations.
• Reference to AI-powered risk modeling for perils such as subsidence and flood, citing experience with WeatherMind and the importance of working alongside scientists and data specialists.
• Nic's guidance for InsurTech founders: define your core problem with precision, ensure solutions demonstrate tangible ROI for insurers, and focus especially on efficient management of high-frequency, low-value claims.

In this episode, Rob Beller and Lee Boyd are joined by Michael Balarezo, Founder & CEO of Adjusto, for an in-depth discussion about the complexities and opportunities in contents claims. Michael recounts Adjusto's founding story, rooted in his own experiences both as an adjuster and as a policyholder impacted by catastrophe. The conversation explores how Adjusto's platform was purpose-built with artificial intelligence at its foundation to address longstanding inefficiencies for both policyholders and adjusters. Key themes include the adaptive use of machine learning and data science for multi-format input (written, CSV, and photo data), transparent and fair valuation practices, and integrations that streamline industry workflows. Michael details the patent-pending "FairMatch" system, the importance of personalized service in contents claims, and the role of technology partnerships across the insurance ecosystem.

Key Highlights

• Adjusto was founded to address persistent pain points in contents claims, informed by Michael's background as both an adjuster and a policyholder affected by large-scale property loss.
• The platform is built from the ground up with AI and machine learning, enabling sophisticated handling of written lists, CSV uploads, and photographs for contents documentation.
• Adjusto's architecture enables real-time data processing and transparent interactions for both adjusters and policyholders, simplifying the experience and supporting trust in claim outcomes.
• The FairMatch algorithm—patent-pending—combines expert adjuster logic with data from consumer sources to generate accurate, fair valuations recognized by both insurers and policyholders.
• The solution serves carriers, TPAs, independent adjusting firms, and content specialists, and can be deployed as a standalone tool or integrated into existing claims environments.
• Adjusto integrates with platforms such as Snapsheet, participates in the Guidewire Vanguard Program, and is actively pursuing integration with Verisk marketplace.
• Michael discusses how dissatisfaction with contents claims can lead to policyholder churn, underscoring the need for tailored, data-driven processes in personal property claims.

Join us on this episode of FNO InsureTech as we welcome Arvind Sontha, the visionary founder and CEO of Kyber. Hear about his interesting journey from Google's cutting-edge technology to revolutionizing claims processing through AI-powered document solutions. Arvind shares his insights on tackling the complexities of compliance and personalization in the insurance industry, alongside inspiring and honest stories of building Kyber from the ground up. Whether you're curious about the intersection of AI and insurance or eager to learn from a startup pioneer's experiences, this episode is packed with valuable insights and inspiring tales.

Key Highlights

• Kyber leverages AI to automate document creation for insurance carriers, addressing the industry finding that "40% of claims time is spent on paperwork."
• The platform supports multilingual output, including Spanish, Italian, and French, with pending carrier requests for Haitian Creole and Russian.
• Kyber integrates efficiently with core systems such as Guidewire, SnapSheet, and PCMS, enabling streamlined workflow within carriers' existing technology environments.
• AI-driven templates are designed to maintain regulatory compliance and reduce manual intervention in claims documentation processes.
• Founder Arvind Sontha brings experience from applied machine learning at Google and practical knowledge gained as a licensed insurance broker.

On this episode of FNO: InsureTech, host Rob Beller interviews Paige Roepers, CEO and co-founder of Ocean Ledger. Roepers discusses how Ocean Ledger leverages satellite imagery, historic shoreline data, and environmental analysis to provide objective, transparent analytics for coastal risk in the insurance sector. She details the company's approach to supporting underwriting and risk management, shares experiences from the Lloyd's Lab accelerator, including their May–July program in London, and addresses the challenges and opportunities in modeling evolving coastal exposures.

Key Highlights

• Ocean Ledger uses satellite data archives reaching back to 1985, such as the Landsat program, to capture and analyze long-term shoreline changes, erosion trends, and natural defenses, offering measurable context for coastal risk.
• Roepers explains how Ocean Ledger's analytics enable carriers to interrogate and validate existing vendor models—addressing discrepancies, clarifying over- and underestimation of risk, and informing decisions in highly exposed coastal areas.
• The company incorporates natural defense features, including mangroves and wetlands, into elevation and storm surge modeling—quantifying the protective roles these ecosystems play within insurance and government risk assessments.
• Roepers reflects on Ocean Ledger's experience in the Lloyd's Lab accelerator, highlighting the value of direct industry engagement and the two-month program's impact on product direction, insurance market fit, and relationships in the London market.
• The discussion emphasizes partnerships with governments and NGOs for ground-truth validation and credibility, strengthening the reliability of Ocean Ledger's analytics for both public and private stakeholders.
• Looking ahead, Roepers outlines plans to keep the Ocean Ledger team lean and London-based for the initial proof-of-concept phase with insurance customers, with plans to scale to the US contingent on results.

In this episode, FNO: InsureTech hosts Rob and Lee sit down with Piers Dormeyer, CEO of Eagleview, to discuss the company's journey from its roots in aerial roof measurement to its current role as a leading data company in geospatial intelligence. Dormeyer details how Eagleview's early focus on insurance claims transformed through investments in proprietary aerial hardware, integration with Pictometry, and continual improvements in imagery resolution. The conversation explores how Eagleview leverages high-quality data and recent advances in artificial intelligence, including large language models, to streamline claims, enable rapid disaster response, power fraud detection, and support a range of customers beyond insurance.

Key highlights

• Eagleview's origin: founded by a roofer and a software engineer, developing accurate 3D roof measurements from 2D imagery with insurance as an initial market
• Emphasis on control and accuracy: operating a national fleet and merging with Pictometry to deliver higher-quality imagery, supporting measurement accuracy now at 99% based on third-party comparisons
• Shift to data company: delivering granular, extractable property data such as roof material, proximity to water, and additional attributes for application across various workflows
• AI's impact: improved imagery enhances model reliability, with large language model-enabled features introduced in Eagleview One to support data extraction and new workflow automation
• Eagleview Disaster Response Program (DRP): mobilizing rapid image capture following disasters to meet the needs of insurers, government agencies, and infrastructure managers
• Partnership approach: close collaboration with industry leaders like Cotality and Verisk facilitates efficient integration and data delivery

In episode 288 of FNO: InsureTech, Cameron MacArthur, Founder and CEO of AI Insurance, returns to share how his company, operating for over seven years, has navigated dramatic changes in insurance through the practical application of artificial intelligence. Drawing on experiences since Y Combinator in 2019, Cameron discusses the platform's growth to more than 100 specialty and commercial insurance programs, and offers specific examples where AI replaces manual tasks, such as data extraction and invoice processing. The conversation also addresses the shifting insurance landscape, evolving customer expectations, and the leadership challenges of adopting automation while retaining vital insurance expertise.

Key Highlights

• AI Insurance recorded 150% growth in the past year, now supporting more than 100 programs for MGAs, MGUs, captives, and risk retention groups.
• Cameron describes AI's effectiveness in automating loss-run data import, handling invoices, and migrating complex data—with internal tests and client experiences indicating accuracy and time savings compared to manual processes.
• The rise of MGAs and MGUs is reshaping the market, with premium volume in this sector doubling since 2020, while traditional carriers and captives remain static or decline.
• Modern SaaS and AI solutions have reduced the barriers and costs of launching insurance programs, enabling new entities to go live in weeks rather than months.
• Cameron details a significant change in client expectations: prospects increasingly seek direct access to AI, APIs, and custom tooling, reflecting greater technical familiarity within insurance operations.
• Leadership must recognize and address staff concerns as automation alters job scopes, emphasizing the need for communication, retraining, and a continued focus on deep insurance knowledge.
• Cameron shares personal perspectives on the ongoing complexity of insurance, the rewards of continued learning, and the realities of leading sustainable growth.

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