Rate of Change

89% of P&C employees use AI tools their company never approved. 89% of leaders do too. The approved stack is losing to a free chatbot, and client PII, loss history, and underwriting logic are going with it.

In the first episode of Rate of Change, host Jordan Sher talks with Sean Wani, General Counsel at Federato, about the shadow AI findings in the 2026 State of P&C Insurance Technology report. Sean has spent almost four decades writing the contracts and policies behind Silicon Valley technology. He was General Counsel at OpenGov and Ayasdi and worked at Apple, Oracle, Intuit, and Zuora.

Sean’s view: a policy on a shelf protects no one, and governance only works when the whole company owns it. He and Jordan get into who is accountable when the people writing the AI policy are also breaking it, and what a board should demand to see. They also cover where shadow AI puts attorney-client privilege at risk, what the NAIC is drafting, and how a free-tier AI license hands your data to someone else. The episode closes with the three steps Sean would take this week at a company with no AI governance in place.

Get the full data. Download the 2026 State of P&C Insurance Technology Report: https://www.federato.ai/resources/state-of-pc-insurance-technology