InsTech - insurance & innovation

By InsTech

Bringing together the best technology and innovation for insurance and risk management together from around the world.

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FAQs about InsTech - insurance & innovation:

How many episodes does InsTech - insurance & innovation have?

The podcast currently has 442 episodes available.

InsTech - insurance & innovation episodes:

November 02, 2025Navigating uncertainty in cat risk (379)
Catastrophe models have come a long way - but are decision-makers keeping up?
In this panel from InsTech’s The future of catastrophe risk: where science meets reality, Alice Kaye (Inigo), Caroline McMullan (Verisk) and host Dickie Whitaker (Oasis LMF) confront the challenges of turning sophisticated risk models into clear, actionable decisions.
Together, they explore why uncertainty is often more valuable than the average, how human biases still cloud our understanding of extreme events, and what’s needed to close the communication gap between modellers, underwriters and boards. This conversation gets real about the behavioural, structural and cultural shifts the insurance industry must make to better navigate risk in an increasingly volatile world.
What you'll learn in this episode:
Why point estimates often mislead decision-makers - and how scenarios can bring data to life
The role of behavioural bias in catastrophe risk assessment (think hindsight, anchoring and mean reversion)
How leading insurers like Inigo are integrating model outputs into daily underwriting and board-level strategy
The importance of early-career training to build confidence in managing uncertainty
How the interface between climate science, data science and vulnerability modelling is evolving
Why pre-competitive collaboration with academia is critical for the industry's future
If you like what you’re hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn.
Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Continuing Professional Development
This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme.
By the end of this podcast, you should be able to meet the following Learning Objectives:
Identify gaps in skills and training that hinder effective risk modelling and decision-making.
Produce more informed underwriting decisions by integrating multiple views of risk.
Summarise best practices for bridging the gap between research, modelling and commercial application.
If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 379 page of the InsTech website or email [email protected] to let us know you have listened to this podcast.
To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
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21min
October 26, 2025How to leverage AI and third-party data in catastrophe modelling (378)
In this special episode of the podcast, originally hosted by Indico Data’s Unstructured Unlocked, Matthew Grant, CEO of InsTech, joins Tom Wilde and Michelle Gouveia to discuss how insurers are harnessing third-party data and AI to make more informed, efficient underwriting decisions.
With over 25 years in catastrophe modelling and analytics, Matthew shares his view on where the real innovation is happening and where insurers are still facing friction. From the rising value of external data sources to the operational impact of generative AI, the conversation is packed with insights that go beyond the buzzwords.
InsTech is sharing this episode to highlight the practical challenges and opportunities facing carriers and reinsurers as they modernise their approach to risk.
What you’ll learn
Why many insurers still struggle to access the most basic risk data
What third-party data needs to prove before it’s trusted in underwriting
How AI is changing both the speed and depth of catastrophe modelling
When it makes sense for carriers to build proprietary models—and when it doesn’t
What reinsurers have taught the market about effective model use
The quiet power of improving underwriting efficiency, not just accuracy
How better data and analytics can help insurers write more risk with more confidence
If you like what you’re hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn.
Discover more episodes of Tom Wilde's and Michelle Gouveia's podcast at Indico Data's Unstructured Unlocked.
Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Continuing Professional Development
This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme.
By the end of this podcast, you should be able to meet the following Learning Objectives:
Measure the practical value of generative AI in improving underwriting efficiency and catastrophe modelling accuracy.
Specify the thresholds third-party data must meet—cost and confidence—before it can support underwriting decisions.
Explain how insurers are approaching the build vs buy decision when it comes to proprietary AI models.
If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 378 page of the InsTech website or email [email protected] to let us know you have listened to this podcast.
To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
...more
30min
October 19, 2025What are we still missing in catastrophe modelling? (377)
What are we still missing in catastrophe modelling and how can we close the gap?
As part of InsTech’s The Future of Catastrophe Risk: Where Science Meets Reality event, this expert panel explored the limitations of current catastrophe models and how the insurance industry can evolve its approach to risk.
Hosted by Ludovico Nicotina (Inigo), with insights from Sandra Hansen (Guy Carpenter) and Paul Wilson (Twelve Securis), the discussion focused on where models fall short, how emerging risks are challenging traditional assumptions and what it will take to build more resilient, climate-aware modelling frameworks.
In this conversation, the panel explores:
What current models overlook — from unmodelled sub-perils to social and infrastructure vulnerabilities
How inter-annual clustering and systemic effects drive outsized losses
The tension between increasing model flexibility and responsible use of adaptation features
Whether vendors are providing enough transparency to support custom views of risk
How the industry can better incorporate future climate states into today’s modelling tools
The case for cross-sector collaboration and more open sharing of internal risk perspectives
If you like what you’re hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn.
Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Continuing Professional Development
This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme.
By the end of this podcast, you should be able to meet the following Learning Objectives:
Identify best practices for using adaptation and resilience features within CAT models responsibly.
Produce informed strategies for interpreting and adjusting model outputs to reflect internal views of risk.
Summarise the practical steps insurers and risk managers can take to bridge the gap between science and real-world application.
If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 377 page of the InsTech website or email [email protected] to let us know you have listened to this podcast.
To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
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16min
October 12, 2025Julian Schoemig, CEO: Diesta: Why insurance still struggles to move money (376)
In this episode, Robin Merttens is joined by Julian Schoemig, CEO and Co-founder of Diesta, to explore why payments and settlements remain one of the insurance industry’s biggest unsolved problems, and what it will take to fix them.
From his early days selling boxing machines to Munich pubs to underwriting aviation at Munich Re, Julian’s career has been shaped by a single truth: business doesn’t count until the cash is in the bank. That mindset now underpins Diesta, a company building the financial plumbing to help insurers, brokers and MGAs move money with greater clarity, speed and control.
In this conversation, Julian shares:
Why insurance payment flows are so complex — and how that creates systemic risk
What makes insurance different from other industries that rely on intermediated transactions
The scale of the problem: seven times more money moves than is written in premium
How Diesta connects policy systems, banks and documents to create a single source of truth
Why traditional reconciliation tools fall short for insurance finance teams
The real-world impact of unallocated cash, overpayments and delayed settlements
What he's learned from building a product in a “boring but broken” space
Why now is the right time for vertical, API-first infrastructure in insurance
The case for making payments a first-class metric in performance and incentives
Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Continuing Professional Development
This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme.
By the end of this podcast, you should be able to meet the following Learning Objectives:
Specify the technological and structural reasons why insurance payment flows are more complex than in other industries.
Explain how Diesta’s payment operations layer integrates with existing systems to streamline cash flow.
Define the concept of a financial subledger in the context of intermediated insurance.
If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 376 page of the InsTech website or email [email protected] to let us know you have listened to this podcast.
To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
...more
27min
October 05, 2025Hurricanes and climate change: are we ready for a Cat 6? (375)
What would happen if the next hurricane wasn’t just stronger but completely off the scale? Are we prepared for a Category 6 event, and would it even show up in our models?
In this panel discussion from InsTech’s July evening event The future of catastrophe risk: where science meets reality, supported by Inigo, Ruth Petrie leads a conversation on how insurers are responding to more extreme, uncertain and fast-changing catastrophe risks.
Featuring:
Emma Watkins, Catastrophe Risk Leader
Chris Weller, Head of Exposure Management, Inigo
Tom Philp, CEO, Maximum Information
Together, they challenge the assumptions behind traditional catastrophe modelling, explore the limits of the Saffir-Simpson scale and ask whether imagination, not just data, will define the future of risk management.
In this conversation, the panel explores:
Whether the industry should move beyond Cat 5 and how we define “extreme” risk
Why flood, surge and rainfall are often more damaging than wind alone
How climate change is altering where and how storms form — and what we can predict
What insurers can (and can’t) do in the face of rapid intensification
Why demand surge, rebuild costs and politics are now central to loss estimation
What kind of event would truly “shake” the insurance market — and why
This is essential listening for exposure managers, underwriters, brokers and risk leaders looking to challenge conventional thinking and prepare for what’s next.
If you like what you’re hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn.
Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Continuing Professional Development
This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme.
By the end of this podcast, you should be able to meet the following Learning Objectives:
Identify where insurers remain unprepared for rapid intensification and other emerging storm behaviours.
Produce a more complete view of catastrophe exposure by integrating hazard, vulnerability and socio-economic factors.
Summarise the panel’s recommendations for improving risk communication, preparedness and resilience across the industry.
If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 375 page of the InsTech website or email [email protected] to let us know you have listened to this podcast.
To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
...more
21min
September 28, 2025Matthew Eagle, Head of Global Model Solutions and Advisory: Guy Carpenter: Modelling the future of reinsurance (374)
In this episode, Matthew Grant sits down with Matthew Eagle, Head of Global Model Solutions and Advisory at Guy Carpenter, to explore how one of the industry's most respected voices sees the future of modelling, capital management and advisory in reinsurance.
With three decades of experience, Matthew reflects on what’s changed — and what hasn’t — in how reinsurers view risk. From the early days of catastrophe models to today’s generative AI agents and open modelling platforms, he shares how his team is helping insurers manage volatility, optimise capital and drive profitable growth.
In this episode, Matthew shares:
Why flood, wildfire and severe convective storm are the perils to watch — and model — more closely
How generative AI is already reshaping pricing, underwriting and actuarial workflows
What insurers need to know about build vs buy when it comes to new analytics tools
How Guy Carpenter is scaling open-source tech through Oasis and data standardisation
What skills are now essential for new analysts entering the industry
How AI agents are being used to replicate complex actuarial decisions in seconds
Why “good enough” modelling still matters, and where precision can be a false economy
The link between terrorism modelling and gaming engines — and what it signals for future innovation
If you like what you’re hearing, please leave us a review on whichever platform you use or contact Richard Hartley or Matthew Grant on LinkedIn.
Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Continuing Professional Development
This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme.
By the end of this podcast, you should be able to meet the following Learning Objectives:
Define the evolving skill sets required for analysts working in catastrophe risk and capital modelling.
Identify the trade-offs in choosing between ‘build’ and ‘buy’ approaches when adopting new analytical technologies.
Produce a framework for helping clients achieve profitable growth, manage volatility and optimise capital.
If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 374 page of the InsTech website or email [email protected] to let us know you have listened to this podcast.
To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
...more
31min
September 21, 2025Richard Hartley, CEO: Cytora: Transforming risk in insurance: lessons from Cytora’s journey (373)
In this episode, Matthew is joined once again by Richard Hartley to reflect on a major milestone in Cytora’s journey: its acquisition by US-based Applied Systems.
But as Richard makes clear, this isn’t the end of the road. It’s a platform for scale. Listeners will hear how Cytora evolved from tackling political risk to transforming how risk flows through commercial insurance. Richard shares practical lessons from scaling into the US, explains why they rebuilt their platform around large language models and outlines why being agnostic to input but opinionated on risk output is a game changer.
They also explore the cultural and technical alignment with Applied, the value of blending insurance expertise with external product thinking and what it really takes to make hard pivots, including knowing when to throw away what you’ve built.
In this episode, Richard shares:
Why Cytora rebuilt its platform around large language models — and what they threw away to make it work
How “decision-ready risk” became a guiding principle for digitising insurance workflows
What it really takes to expand into the US and earn client credibility market by market
Why the idea of industry-wide standardisation is flawed — and how to work around it
How to lead through uncertainty, scale a team and make tough product decisions
Why insurance needs both deep domain knowledge and external perspective to innovate
The underrated role of resilience in entrepreneurship — and what ballet and rugby taught him about pushing through
If you like what you’re hearing, please leave us a review on whichever platform you use or contact Richard Hartley or Matthew Grant on LinkedIn.
Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Continuing Professional Development
This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme.
By the end of this podcast, you should be able to meet the following Learning Objectives:
Describe how unstructured data enters the insurance value chain and the implications for underwriting workflows.
Define the concept of “decision-ready risk” and its role in modernising commercial insurance operations.
List the key factors that enabled Cytora’s successful expansion into the US market.
If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 373 page of the InsTech website or email [email protected] to let us know you have listened to this podcast.
To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
...more
34min
September 14, 2025Jonathan Spry, Co-founder & CEO: Envelop Risk: How portfolio thinking and data science are rewiring cyber reinsurance (372)
Jonathan Spry, CEO and co-founder of Envelop Risk, joins Robin Merttens for a deep dive into how data science, AI and portfolio-level modelling are transforming cyber reinsurance. As one of the earliest voices in the industry championing machine learning and systemic risk analysis, Jonathan shares what he's learned over nine years of building Envelop into a leading hybrid underwriter operating across London and Bermuda.
In his own words, this episode is about building smarter ways to understand, underwrite and capitalise on emerging risk — with cyber as just the starting point.
What you'll learn:
Why Jonathan and his team focused on cyber risk and portfolio-level underwriting from day one
The rationale behind favouring systemic insights over individual vulnerabilities
How causal inference provides a leap forward in predicting tail events
Why AI liability is already creating new market opportunities
The need for creative, multi-source data strategies beyond traditional claims
Why Envelop steers clear of SaaS and keeps underwriters embedded in the modelling process
How algorithmic underwriting fits into the next chapter of insurance innovation
Candid thoughts on the AI hype cycle — and what matters more than the buzz
Jonathan also talks through Envelop's shift from MGA to reinsurer, how to think long-term in a volatile market and what kind of partnerships are needed to unlock new forms of risk.
Book recommendation from Jonathan: The Book of Why by Judea Pearl and Dana Mackenzie.
If you like what you’re hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn. You can also contact Jonathan Spry on LinkedIn to start a conversation!
Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Continuing Professional Development
This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme.
By the end of this podcast, you should be able to meet the following Learning Objectives:
Identify the structural and economic drivers pushing insurers toward algorithmic and portfolio underwriting.
Produce a strategy for aligning capital, analytics and data science in cyber reinsurance underwriting.
Summarise how Envelop Risk evolved from an MGA to a hybrid reinsurer and the rationale behind its capital partnerships.
If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 372 page of the InsTech website or email [email protected] to let us know you have listened to this podcast.
To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
...more
31min
September 07, 2025Christopher Quirk, VP & General Manager, MGA Markets: Insurity: The global push: Why US insurance tech is eyeing Europe (371)
What happens when a major US insurance tech player sets its sights on Europe? This week, Robin Merttens speaks with Chris Quirk, VP and General Manager at Insurity, to unpack the drivers behind the company’s international expansion and what it signals for the wider market.
Chris brings a unique cross-market perspective, working with carriers, MGAs and brokers on both sides of the Atlantic. He shares how Insurity is navigating the challenges of scaling legacy systems into modern, cloud-native platforms and why interoperability and open ecosystems are now critical in a post-consolidation world.
Key themes include:
Why the US market is looking to London and Europe for growth
The role of private equity and M&A in shaping cross-border expansion
Common pitfalls when exporting US tech to the UK and how to avoid them
How Insurity is balancing tried-and-tested functionality with modern scalability
The growing importance of structured data in preparing for agentic AI
Strategic partnerships with Viper, Coherent and OIP InsurTech
What a truly “distributed” insurance ecosystem could look like in the near future
Chris also offers insight into where Insurity is investing over the next 12 months and why the industry may be underestimating just how much technology has matured.
If you like what you’re hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn. You can also contact Christopher Quirk on LinkedIn to start a conversation!
Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Continuing Professional Development
This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme.
By the end of this podcast, you should be able to meet the following Learning Objectives:
Explain the role of structured data and cloud-native systems in enabling AI adoption in insurance workflows.
Define the concept of an “open ecosystem” in insurance technology and its advantages over closed platform models.
Identify key industry partnerships that support seamless data exchange and workflow integration across markets.
If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 371 page of the InsTech website or email [email protected] to let us know you have listened to this podcast.
To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
...more
24min
August 31, 2025Chris Eberly, Insurance Practice Lead: Datos Insights: From ratios to risk ops: what the next chapter means for insurers (370)
In this special edition of the InsTech podcast, Robin introduces listeners to new colleague Chris Eberly, Insurance Practice Lead at Datos Insights, following Datos’ recent acquisition of InsTech. Chris brings more than 30 years of carrier experience and a unique practitioner’s perspective on the forces shaping insurance today.
Together they explore what this new chapter means for InsTech members, the wider insurance ecosystem, and why Datos’ blend of advisory, research and community makes a timely fit. Along the way, Chris shares why operational efficiency is top of the agenda, how underinsurance is being tackled, and why AI is no longer just hype but a genuine driver of transformation.
This conversation is part industry briefing, part fireside chat. Listeners will come away with a clearer view of the challenges and opportunities ahead — from regulatory pressure to CIO priorities — and hear how InsTech and Datos plan to deliver value together.
Robin also uncovers Chris’s surprising background outside insurance, including his lifelong passion for the carillon (a rare bell-tower instrument) and what raising six children and seventeen grandchildren has taught him about navigating complexity.
Key themes discussed include:
What Datos Insights does and how it complements InsTech’s mission
Why carriers are focusing on risk operations and decision speed
The scale of underinsurance and how data and property insights can help
What’s really happening with AI adoption inside carriers
The evolving role and pressure of the CIO
Why combining advisory, research and community is so powerful
Chris’s personal story: carillons, family and a passion for making insurance better
If you like what you’re hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn. You can also contact Chris Eberly on LinkedIn to start a conversation!
Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.
Continuing Professional Development
This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme.
By the end of this podcast, you should be able to meet the following Learning Objectives:
Measure the significance of operational efficiency (“risk ops”) in improving underwriting performance and decision speed.
Specify the ways AI is being applied pragmatically in insurance operations, beyond the hype.
Explain why CIOs face increasing pressure to balance legacy systems with rapid technology adoption.
If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 370 page of the InsTech website or email [email protected] to let us know you have listened to this podcast.
To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.
...more
29min

FAQs about InsTech - insurance & innovation:

How many episodes does InsTech - insurance & innovation have?

The podcast currently has 442 episodes available.

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