Making Risk Flow | The Future of Insurance

• Inside Lloyd’s Digital Transformation: The Data & AI Shift You Can’t Ignore | Cassandra Vukorep, Lloyd’s

  Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro sits down with Cassandra Vukorep, Chief Data and AI Officer at Lloyd’s of London, to explore the impact of data and AI on commercial insurance. They discuss Lloyd’s role as an ecosystem platform for over 100 syndicates, the importance of data standardisation, and efforts to streamline operations through the Core Data Record (CDR). With only 8% of insurers adopting AI across multiple functions, Cassandra highlights key challenges, including legacy systems and process redesign. They also examine how AI will become a competitive differentiator in the coming years. This conversation offers valuable insights into Lloyd’s digital transformation and how insurers can navigate the complexities of AI adoption to drive efficiency and innovation in the evolving insurance landscape.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

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• The Hartford’s Next Chapter: Building a Global Insurance Powerhouse | Carl Bach, The Hartford

  Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro speaks with Carl Bach, CEO of Hartford Underwriting Agency, about how a 200-year-old insurer is modernising for the future. They discuss Hartford’s brand refresh, maintaining its historic stag emblem while evolving its global identity. Carl outlines the strategic transformation of the company’s Global Specialty business, which began in 2019, focusing on streamlining operations and ramping up specialisation in marine, energy, and financial lines.The conversation also covers Hartford’s international growth ambitions through Lloyd’s syndicate 1221, its approach to serving diverse market segments, and its use of AI and intelligent document processing in underwriting. Carl shares insights on balancing tradition with innovation, underscoring Hartford’s values—especially "own it with pace"—as the company embraces change and seizes new opportunities in a fast-evolving industry.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

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• The Data Flywheel: Why “No Data, No Deal” is Changing Cyber Insurance I Jonathan Spry, Envelop Risk

  Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro welcomes Jonathan Spry, CEO and co-founder of Envelop Risk, for an insightful discussion on how AI and advanced analytics are transforming cyber insurance. They explore Envelop Risk’s “data flywheel” strategy, emphasising the power of data-driven decision-making in risk assessment. Jonathan shares how AI-driven underwriting has evolved over the past eight years, shifting from industry scepticism to widespread adoption. They also discuss "augmented underwriting," where AI enhances—rather than replaces—human expertise, especially in speciality insurance. The conversation extends to emerging risks, such as quantum computing’s impact on cybersecurity and how AI reshapes risk management across industries. 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

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• Mastering Risk Digitisation: From Business Case to Business Impact | James Platt, Henry Withinshaw, and Jonathon Gray

  Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.This episode of Making Risk Flow is a recording of an event hosted by Cytora and InsTech to bring industry stakeholders, including clients and key industry executives, to the table to discuss how they are approaching digitisation. Juan is joined by James Platt, Henry Withinshaw, and Jonathon Gray to explore how digital transformation is reshaping commercial insurance, tackling challenges like reducing quote turnaround times, improving data accuracy, and enhancing broker service. The panel shares real-world insights on balancing automation with human expertise, overcoming legacy system hurdles, and leveraging AI to streamline underwriting. Whether you're an insurer, broker, or tech enthusiast, this episode delivers actionable takeaways on modernising underwriting workflows for a more efficient and data-driven future.‍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

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• Redefining What Success Looks Like in Insurance Leadership | Laurent Rousseau, Guy Carpenter

  Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro is joined by Laurent Rousseau, CEO of Global Capital Solutions at Guy Carpenter, to discuss leadership, success, and the evolving role of insurance in society. Laurent reflects on his career journey from equity analyst to CEO, sharing his personal definition of success: one that prioritises inner fulfilment over external expectations. Together, Juan and Laurent also discuss the insurance industry’s role as a key enabler of societal good and the need to shift public perception of the sector, why insurance must embrace innovation, and the challenges of leadership transitions, including the importance of knowing when to step down as part of an organisation’s evolution.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

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