Making Risk Flow | The Future of Insurance

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

In this Greatest Hits episode of Making Risk Flow, host Juan de Castro is joined by Jean-Jacques Henchoz (JJ), Non-Executive Director, Brit Insurance, and a non-executive director across the insurance value chain, to explore the future of insurance. With over 25 years of industry experience, JJ shares his perspectives on how insurers can remain relevant by addressing protection gaps, improving affordability, and embracing cultural and technological transformation. 
The discussion highlights how AI, automation, and innovation are reshaping customer experience while reducing inefficiencies. Juan and JJ also examine the importance of attracting tech-savvy talent, breaking down silos, and fostering collaboration across the sector. Packed with insights, this conversation offers a roadmap for insurers seeking to stay customer-centric and resilient in a rapidly evolving world.
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 Jake Harding brings together ten leaders from across insurance, data, and technology to explore how spatial intelligence, real-time data, and climate modeling are reshaping risk assessment and underwriting. 
Mark Varley, Simon De La Hoyde, Izik Lavy, Jacob Grob, Joan Saladich, Caroline Grey, Pierre-Henri Janssens, Bryan Falchuk, Jay Wallace, and Nick Franz examine why insurers need more than greater data volumes to gain an advantage. The discussion explores point-of-quote accumulation, property-level geospatial analysis, probabilistic climate intelligence, and the value of embedding spatial context early in underwriting workflows. 
The group also considers emerging opportunities in post-binding cyber intervention and agricultural risk data, while examining how integrated technology, proactive portfolio analysis, and clean-sheet thinking can improve risk selection, profitability, and long-term competitive advantage across insurance markets.
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, we revisit host Juan de Castro’s conversation with David McMillan, former CEO of esureGroup, to unpack how a mid-sized insurer reinvented itself under private equity ownership. Facing COVID-19, reserve pressures, a soft market, and geopolitical disruption, the company leaned into culture, clarity, and modern technology to outpace larger rivals. David shares why building a high-performing team starts with shared values, how blending insurance expertise with external digital talent accelerates innovation, and why cloud-native, API-driven architecture is essential for real-time decision-making. 
He also explains how to shift boards from traditional ROI forecasts to agile, outcome-based governance. It’s a candid conversation about resilience, leadership under pressure, and why staying smaller, more agile, and hence, faster can be a lasting competitive advantage.

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 operational excellence wasn't about cutting costs, but about unlocking your organization's true potential?
In this episode of Making Risk Flow, Juan de Castro speaks with Ann Haugh, Group Chief Operations Officer at Axis Capital, about why operations should be viewed as a strategic growth engine rather than a cost center. Ann shares how Axis transformed its operating model to improve efficiency while scaling the business, the importance of building cross-functional talent, and how leaders can create alignment across technology, data, and underwriting. 
She also explores the role of AI in specialty insurance, explaining how automation can enhance employee experience, empower underwriters to make better decisions, and help organizations grow with greater speed, clarity, and resilience.
Ann Haugh is Group Chief Operations Officer at Axis Capital and a global (re)insurance leader with more than 30 years of experience spanning strategy, underwriting, operations, and general management. She has led transformational programs, improved underwriting performance, driven profitable growth, and built high-performing teams worldwide, earning a reputation for inspirational leadership, innovation, and delivering lasting business impact.
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