Making Risk Flow | The Future of Insurance

What if the biggest opportunity for insurance AI isn't better automation, but better data?
In this episode of Making Risk Flow, host Jake Harding sits down with Patrick Meehan, Senior Solution Director at Dun & Bradstreet UK – Insurance Services, to explore why trusted business data, entity resolution, and continuous monitoring are becoming critical to the future of commercial insurance. They discuss why insurers need to move beyond fragmented, policy-by-policy snapshots toward a shared view of the customer across underwriting, claims, compliance, and renewal. 
Patrick also explores the hidden concentration risks within seemingly diversified portfolios, the challenges of building and maintaining data infrastructure at scale, and why insurers should start with measurable business problems rather than massive enterprise data projects. Tune in to discover how connected data can reduce duplication, improve risk visibility, and help insurers build workflows designed for AI.
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.

Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.

Check out the three most downloaded episodes:
The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo
20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada
Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

What if the future of insurance isn't about bigger consolidation, but smarter specialization?
In this episode of Making Risk Flow, host Juan de Castro sits down with Igno van Waesberghe, Managing Partner at Aquiline, to explore why MGAs and specialized brokers are reshaping the industry, how AI is fundamentally changing personal lines distribution, and the key strategies that separate durable insurance businesses from the rest. Packed with candid insights on broker consolidation across the Atlantic, the rise of alternative capital, and where real value is being captured in AI-enabled platforms, this conversation cuts through the hype to reveal what actually drives success in modern insurance. Tune in to discover why specialization, talent alignment, and technology integration are the real competitive advantages reshaping insurance today.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.

Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.

Check out the three most downloaded episodes:
The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo
20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada
Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

What if you could eliminate the tedious data rekeying that eats up agents' days and instead focus on what truly matters: understanding risk and serving clients?
In this episode of Making Risk Flow, host Juan de Castro sits down with Luke Bills, President of Independent Agent Distribution at Liberty Mutual, to explore how AI and automation can remove friction from insurance workflows. They discuss how technologies such as email-to-quote, API-driven processes, and SubmissionLess can eliminate repetitive data rekeying and streamline risk submissions. Luke explains why insurers should decouple intake channels from underwriting processes and use risk complexity, not premium size alone, to determine how submissions are handled. 
The conversation also explores how AI can amplify the value of independent agents by freeing them to focus on risk management, client relationships, and growth. Finally, Juan and Luke examine the importance of responsible AI governance, including model validation, privacy, human oversight, and cross-functional collaboration, when deploying AI across the insurance industry. 
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.

Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.

Check out the three most downloaded episodes:
The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo
20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada
Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this Greatest Hits episode of Making Risk Flow, host Jake Harding speaks with Bryan Falchuk, author of the Future of Insurance series, about why insurance’s next competitive edge lies in intelligence, not efficiency. Bryan argues that carriers focus too heavily on operational optimisation when profitability depends on understanding and managing loss ratios. He introduces the “how might we” mindset as a way to break through cultural resistance and reframe constraints as opportunities. 
The conversation explores AI as a bridge between legacy systems and modern analytics, enabling transformation without massive system overhauls. Bryan also examines how misaligned incentives, complacency, and leadership hubris quietly undermine long-term strategy. Ultimately, he makes the case that curiosity, humility, and proactive risk intelligence will define the insurers that thrive in an era of rapid technological change.
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.

Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.

Check out the three most downloaded episodes:
The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo
20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada
Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this episode of Making Risk Flow, host Juan de Castro brings together eight leaders from across insurance, technology, insurtech, and brokerage to explore how AI, operating model transformation, and modern technology architecture are reshaping the future of insurance.
Ann Haug, David McMillan, Christian Stobbs, Kristoffer Lundberg, Greg Brown, Sam Lewis, Allison Hamilton, and Nick Zerbib examine why insurers need more than new technology to gain a competitive advantage. The discussion explores building operating models for scale, creating decision-led technology architectures, accelerating underwriting workflows, and using AI to augment human judgment rather than simply automate existing processes.
The group also considers AI-driven claims transformation, intelligent submission routing, the future role of underwriters, customer obsession, and how brokers can prepare for growing market and private equity pressures. Together, these perspectives reveal how culture, technology, speed, and strategic clarity can help insurers become more agile, scalable, and resilient in an increasingly competitive market.
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.

Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.

Check out the three most downloaded episodes:
The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo
20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada
Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's