Making Risk Flow: Recent Episodes
Cytora
Making Risk Flow is a podcast powered by Cytora. This podcast is designed to bring clarity, know-how and inspiration in driving digital transformation for commercial insurers, paying particular attention to the automation of risk processing. This podcast, led by industry veteran Juan de Castro as well as insurance changemakers, will showcase their learnings, challenges and solutions that have worked, or haven’t worked for them. If you are embarking on leading a transformational project in your company and want to make sense of it all - this podcast is for you.www.cytora.com
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
What if the insurance industry could move at the speed of modern technology?
In this episode of Making Risk Flow, Christian Stobbs, we revisit one of our top episodes of 2026 where Juan de Castro sits down with Christian Stobbs, Chief Strategy & Corporate Development Officer at Markel, joins host Juan de Castro to discuss what it takes to build a preeminent specialty insurer in an increasingly technology-driven market. Christian explains why speed, customer obsession, technical expertise, and principled decision-making must work together as a unified competitive advantage.
The conversation explores how insurers can localize strategy across international markets, reduce costly operational inefficiencies, and deploy AI to enhance underwriting and claims without losing critical human judgment. Christian also shares why transformational technology initiatives should operate with startup-style urgency, how AI will reshape underwriting roles, and why the insurers that adapt fastest will define the future of specialty insurance.
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
Geospatial intelligence is changing the way insurers assess risk, but better decisions start with better data.
In this episode of Making Risk Flow, Jake Harding is joined by Mark Varley, CEO of Addresscloud, and Simon de la Hoyde, Sales Director, to discuss how building-level data, real-time accumulation visibility, and high-quality address intelligence help underwriters quote faster, select risks with greater confidence, and write more profitable business. They also explore why insurers should focus on data quality before AI, how specialized data platforms outperform in-house solutions, and how responsible AI can enhance underwriting without compromising accuracy, transparency, or governance.
Mark Varley is CEO of Addresscloud, a geospatial intelligence platform serving the insurance industry. With 25 years of experience in insurance and 15+ years specializing in geographic risk assessment, Mark brings deep practitioner insights from his tenure at RSA and Accenture.
Simon de la Hoyde is Sales Director at Addresscloud, bringing 17 years of insurance market expertise and a foundational background in geography and GIS applications. With experience across mobile telecommunications, retail site selection, and property insurance underwriting and pricing, de la Hoyde combines technical geospatial knowledge with deep commercial insurance acumen.
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, Juan de Castro sits down with Allison Hamilton, US Customer Success Lead at Applied Systems, to discuss why underwriting transformation depends on people and processes as much as technology. Allison explains how better data governance, transparent AI, and aligned incentives help underwriters make faster, more confident decisions.
She explores why speed-to-quote has become a critical competitive advantage, how broker integration and third-party data remove costly friction, and why decision-ready workflows, not full automation, will define the winning carriers of 2030. The conversation offers practical insights for insurers modernizing underwriting in an AI-driven world.
Allison Hamilton is Head of US Customer Success for Cytora, a division of Applied Systems, where she leads customer delivery, adoption, and long-term value across North America. She partners with insurers to modernize underwriting through workflow automation, digital risk processing, and operating model innovation. Allison oversees strategic customer programs, drives measurable business outcomes, and works closely with product and go-to-market teams to shape Cytora's US strategy.
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, Jake Harding sits down with Izik Lavy and Jacob Grob from GeoX AI to explore how property intelligence is transforming insurance underwriting. They discuss how accurate geospatial data, computer vision, and confidence-scored models help carriers move beyond reactive decision-making, accelerate quotes, uncover profitable opportunities, and better manage risk. The conversation explores why deterministic data can outperform probabilistic AI, how deeper property insights reveal hidden value in complex markets, and why specialized technology providers are becoming essential partners for insurers. Discover how real-time property intelligence is reshaping portfolio strategy, pricing, and the future of insurance.
Izik Lavy is the CEO and co-founder of GeoX AI, a geospatial intelligence platform specializing in property data extraction and analysis for the insurance industry. With 15 years of experience in geospatial technology and expertise in building scalable computer vision solutions, Lavy has led GeoX's expansion from the Japanese and Australian markets into the United States.
Jacob Grob is the EVP of Sales for US Markets at GeoX, bringing 20 years of insurance data expertise to the conversation. Previously a senior leader at CoreLogic, where he gained deep exposure to building characteristics, catastrophe modeling, and replacement cost data, Grob now focuses on solving critical data blind spots through computer vision and scalable 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
In this episode of Making Risk Flow, Juan de Castro sits down with Kristoffer Lundberg, CEO of Insurtech Insights, to explore how AI is transforming insurance from a story of disruption into one of collaboration. Recorded at InsureTech Insights in New York, the conversation examines what it takes to deploy AI at scale, from defining clear business goals and building the right partnerships to redesigning operating models around automation.
Kristoffer shares lessons from real-world AI implementations, including claims transformation, and explains why insurers must “think slow, execute fast” to create lasting value. The episode reveals how ecosystem partnerships, human-centered design, and measurable outcomes will shape the next era of insurance innovation.
Kristoffer Lundberg is the CEO of Insurtech Insights, a global insurance technology community connecting insurers, startups, investors, and technology leaders to accelerate innovation across the industry. Since joining Insurtech Insights in 2018, Kristoffer has helped grow the platform into a leading global destination for insurance transformation, hosting major conferences across Europe, the U.S., and Asia. His work focuses on bringing industry stakeholders together to explore emerging technologies, collaboration, and the future of insurance.
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, Juan de Castro sits down with Greg Brown, Partner at Oxbow Partners, to explore the strategic choices reshaping the London insurance market. As market conditions soften and technology advances accelerate, Greg explains why firms must clearly define whether they are true leaders, niche leaders, capacity leaders, or followers, and align their operating models accordingly.
The conversation examines how misalignment between market position and business architecture can erode profitability and competitive advantage. Greg also discusses the growing importance of portfolio management, the evolution of facilities from cyclical tools to permanent market infrastructure, and the role of AI in enhancing underwriting decision-making.
Greg Brown is a Partner at Oxbow Partners, a strategic advisory firm focused exclusively on the insurance industry. He specializes in helping Lloyd's and London Market organizations navigate strategic transformation, from underwriter modernization to launching digital business units. Combining expertise in strategy, operations, and technology, Greg helps insurers develop ambitious, practical plans that drive sustainable growth and 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 your climate risk assessments could predict the future with greater accuracy than historical data alone?
In part two of this conversation onMaking Risk Flow, Jake Harding continues his discussion with Joan Saladich, Founder of Geoskop, exploring how insurers can move beyond static climate risk models and embrace a more sophisticated, forward-looking approach to decision-making. Joan explains why annual climate model updates can create misleading conclusions, how vegetation and soil dynamics reshape wildfire risk, and why relying on single-source data leaves carriers exposed to blind spots.
The conversation also examines the role of AI and large language models in processing complex climate datasets, emphasising that technology should enhance, not replace, human judgment. Joan outlines a practical framework for combining historical data, future climate projections, alternative statistical models, and socioeconomic context to generate more accurate, explainable, and actionable climate risk intelligence.
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 climate risk data you're using to underwrite policies is fundamentally flawed?
In this first of two-part episode of Making Risk Flow, host Jake Harding speaks with Joan Saladich, CEO and co-founder of Geoskop, about why traditional climate risk scores often fail insurers and what a more sophisticated approach looks like. Joan explains how deterministic ratings and traffic-light systems oversimplify complex climate realities, making them unsuitable for underwriting decisions. He explores the value of probabilistic climate modeling, AI-powered analysis, and uncertainty quantification in assessing evolving risks.
The conversation also examines changing reinsurance dynamics, which are pushing more climate-related exposure onto commercial insurers. Joan discusses the importance of validating climate models through measurable accuracy and transparency, while highlighting how outdated scenario assumptions can distort risk assessments. Together, they show how embracing data complexity can create a meaningful competitive advantage in modern insurance underwriting.
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 data you needed to price complex agricultural risks were available in near-real time instead of months later?
In this episode of Making Risk Flow, host Jake Harding speaks with Caroline Grey, co-founder and CRO at Treefera, about how satellite imagery, AI, and scientific modelling are reshaping the future of insurance risk assessment. Caroline explains why the industry is moving beyond broad regional assumptions towards plot-level intelligence that enables faster underwriting, more accurate pricing, and entirely new insurance products.
The conversation explores how insurers can use near-real-time agricultural and climate data to reduce claims exposure, improve operational efficiency, and respond proactively to supply chain volatility. Caroline also shares practical guidance on structuring complex datasets for different business stakeholders, building scalable partnerships, and validating new solutions through low-risk pilots. This episode offers valuable insight into how data-driven underwriting is creating a competitive advantage across commercial 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
What if the insurance industry could move at the speed of modern technology?
In this episode of Making Risk Flow, Christian Stobbs, Chief Strategy & Corporate Development Officer at Markel, joins host Juan de Castro to discuss what it takes to build a preeminent specialty insurer in an increasingly technology-driven market. Christian explains why speed, customer obsession, technical expertise, and principled decision-making must work together as a unified competitive advantage.
The conversation explores how insurers can localize strategy across international markets, reduce costly operational inefficiencies, and deploy AI to enhance underwriting and claims without losing critical human judgment. Christian also shares why transformational technology initiatives should operate with startup-style urgency, how AI will reshape underwriting roles, and why the insurers that adapt fastest will define the future of specialty insurance.
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 special compilation episode of Making Risk Flow, we bring together five standout conversations exploring how agentic AI, digital transformation, and organizational culture are reshaping the insurance industry. Featuring insights from leaders including Antonio Grimaldi of McKinsey & Company, Sam Lewis, Nicolas Zerbib, Richard Hartley, Bill Harris & Drake Slaikeu-Lawhead, the episode examines why AI leaders are generating dramatically stronger returns than competitors and how technologies like stateful agents, spatial intelligence, and headless orchestration are changing underwriting and distribution.
Beyond technology itself, the discussion highlights the cultural shifts required to unlock transformation at scale. From reducing workflow friction to improving underwriting precision and scaling operations without proportional hiring, this episode offers practical frameworks for carriers, brokers, and tech leaders navigating insurance’s next era.
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
This “Best of the Year Thus Far” episode of Making Risk Flow brings together 11 standout conversations that map how insurance is being reshaped in real time. Across the conversations with AI leaders, risk modelers, and operators, a clear pattern emerges: the gap between leaders and laggards is widening, driven by speed of execution, not just strategy.
Industry leaders explore how richer context, whether through spatial intelligence, stateful systems, or agentic workflows, is transforming underwriting from a static, data-driven exercise into a dynamic, decision-driven discipline. But technology alone isn’t the answer. Culture, incentives, and human relationships remain critical to unlocking value. Together, these insights reveal an industry shifting from managing risk as a probability to understanding it as a living, evolving system.
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 real-time data and AI could transform compliance from a regulatory burden into a competitive advantage?
In this episode of Making Risk Flow, Pierre-Henri Janssens, CEO and Cofounder of Topograph, joins host Jake Harding to rethink compliance in insurance from first principles. They discuss why treating compliance as a regulatory burden limits growth, while real-time data and transparent workflows turn it into a competitive advantage. Pierre-Henri explains how connecting directly to official registries improves data accuracy, how vertical AI enhances document extraction, and why prioritizing high-impact signals prevents data overload.
The conversation also explores the build-versus-buy dilemma, the complexity of scaling across jurisdictions, and how orchestrating best-in-class solutions accelerates onboarding and improves conversion. It’s a pragmatic look at how insurers can transform compliance into measurable business value.
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 insurance workflows could evolve faster than regulation itself?
In his third appearance on Making Risk Flow, Bryan Falchuk, best-selling author, speaker, life coach and President and CEO of PLRB, joins host Jake Harding to rethink modernization of Insurance from first principles. They discuss why layering AI onto legacy systems only reinforces the iteration trap, while agentic AI enables carriers to redesign processes around real-time data orchestration. Bryan explains why implementation can shrink from years to weeks, how orchestration replaces brittle workbenches, and why design thinking is the unlock for cultural change.
The conversation also explores the shifting role of underwriters and claims professionals, from data processors to strategic advisors. It’s a clear-eyed look at how insurers can build adaptive, future-ready operations without wholesale system replacement 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
In this episode of Making Risk Flow: Exploring the Ecosystem, host Jake Harding sits down with Jay Wallace of VulnCheck about how real-time exploit intelligence is reshaping cyber insurance. They unpack why traditional CVSS scoring falls short and how modeling threat actor behaviour offers a clearer picture of risk. Jay explains how carriers can use machine-readable data feeds to automate underwriting and continuously monitor exposure post-binding.
The conversation also highlights the value of proactive threat notifications in reducing claims and strengthening client trust. Jay and Jake also explore how AI and automation enhance, not replace, analysts, and why the most successful insurers are shifting from a profit-centric mindset to a partnership-driven approach focused on prevention, resilience, and long-term value creation.
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: Exploring the Ecosystem, host Juan de Castro sits down with Nicolas Zerbib, Co-President and CIO at Stone Point Capital, to unpack how AI is reshaping, not replacing, the insurance brokerage model. Nick explains why retention and complexity remain the strongest defenses against disruption, and how brokers can use AI to improve efficiency without losing their edge. From reducing operating costs to enhancing onboarding and preserving institutional knowledge, AI emerges as a powerful enabler rather than a threat.
The conversation also highlights the structural advantages of the broker channel, including regulatory accountability and E&O risk, which AI cannot easily replicate. For brokers and investors alike, this episode offers a clear, tactical playbook for thriving in a rapidly evolving insurance landscape.
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: Exploring the Ecosystem, host Jake Harding speaks with Nick Franz, founder of Altitude Intelligence, on why traditional underwriting data can obscure true risk exposure. Due to his background in intelligence, Nick has asked that we protect his identity. Nick shares how geospatial and spatial intelligence, rooted in military tradecraft, can transform insurance decision-making. They explore why risk must be understood as a dynamic system, not a static label, and how embedding context at data ingestion enables faster, more accurate underwriting.
From identifying hidden dependencies to avoiding outdated datasets, the conversation reveals how leading insurers are building a durable competitive edge. The takeaway is clear: those who integrate intelligence-driven insights today will outperform, while others risk compounding losses and blind spots.
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: Exploring the Ecosystem, host Juan de Castro speaks with Sam Lewis, VP of Product, Engineering, and Data at Cytora, about how agentic AI is reshaping insurance workflows. They explore the shift from manual, fragmented processes to seamless, stateful systems that use memory and context to manage end-to-end submissions. Sam explains why the real barrier to digitization has been behavioral, not technical, and how designing for zero workflow disruption drives adoption among brokers.
The conversation unpacks how AI agents increase underwriting capacity, improve responsiveness, and enable more consistent risk selection. They also discuss routing submissions intelligently, closing data gaps through enrichment, and freeing underwriters to focus on judgment-based decisions. The result is a more scalable, efficient, and accessible insurance ecosystem powered by always-on automation and intelligent orchestration.
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: Exploring the Ecosystem, host Jake Harding speaks with Jon Francis, Chief Product Officer at Chimnie, about why the future of property insurance underwriting depends on transparent, high-quality data. Jon explains how flawed or overly averaged property data can distort rebuild cost models, misprice risk, and ultimately drive adverse selection across insurance portfolios. He outlines practical methods for validating external data providers at scale, including large-volume testing to uncover hidden discrepancies that vendor samples often miss.
The conversation also introduces a structured approach for transitioning to more accurate data systems while maintaining internal trust and regulatory confidence. From uncovering edge-case property characteristics to enabling frictionless quote journeys, Jon shows how granular property intelligence can become a powerful competitive advantage for insurers willing to modernize their risk data infrastructure.
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 speaks with Bill Harris and Drake Slaikeu-Lawhead of ITC Vegas about how insurance growth hinges less on tools and more on connection. They explore how Insurtech Connect’s “neighbourhood” model helps carriers, brokers, and agents navigate 700+ vendors by organising solutions around real business needs. The conversation dives into AI’s impact on distribution, streamlining ACORD processing, claims, and upstream risk transfer, while reinforcing that independent agents remain essential for trust-based advice.
As pilots shrink from years to months, speed to impact becomes the new competitive edge. Yet in a digital-first era, they argue that face-to-face interaction still drives the most valuable outcomes. Serendipity, not just software, is what truly keeps risk flowing.
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 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 speaks 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
In this episode of Making Risk Flow: Exploring the Ecosystem, host Jake Harding speaks with Greg Johnson, CEO of Confianza, and Chief Data Officer John Petricelli about the hidden profitability most carriers overlook. They explore how legacy data strategies leave 20–40% of premium and portfolio value untapped, and why context-driven, niche data sources are reshaping underwriting and renewals. From tenant risk and household composition to commodity-linked replacement costs and behavioural indicators, Greg and John explain how richer inputs create sharper risk selection and pricing accuracy.
The conversation also highlights portfolio optimisation as a powerful growth lever, identifying leakage, misclassified exposures, and cross-sell opportunities already within the book. It’s a practical discussion on engineering discipline in analytics and building a 360-degree view of risk to unlock measurable 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
In this episode of Making Risk Flow, recorded live at the ITC London 2026 event, host Juan de Castro speaks with Richard Hartley, CEO and Founder of Cytora (now part of Applied Systems), about what it really takes to digitize risk across the entire insurance value chain. They explore why transformation fails when insurers focus on isolated workflows instead of interconnected pain points across agents, brokers, and carriers.
Richard breaks down how agentic AI is reshaping underwriting, why risk data must be treated as dynamic rather than static, and how channel-agnostic operating models unlock scale. The conversation offers practical insights on automation, buy-vs-build decisions, and what risk digitization will demand in 2026.
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: Exploring the Ecosystem, host Jake Harding speaks with Dave Wood, Managing Director at JBA Risk Management, about how AI and deep learning are reshaping catastrophe risk modeling. Dave explains how neural networks can simulate extreme climate scenarios that fall outside historical records, helping insurers better understand compound and tail risks.
The conversation also explores why model transparency and rigorous validation are essential as AI adoption accelerates, and how insurers can scale advanced weather simulation without sacrificing accuracy. Dave also shares practical guidance on integrating best-in-class AI tools into existing risk platforms, rather than building everything from scratch in-house.
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: Exploring the Ecosystem, host Jake Harding speaks with Duško Radulović, Founder and CEO of Climatig, about how high-resolution climate intelligence is reshaping insurance underwriting and portfolio strategy. Duško explains why moving beyond regional averages to meter-level precision allows insurers to identify true physical risk and price policies more accurately and reduce loss volatility.
The conversation explores how machine learning fills critical data gaps for perils like hail and landslides, why climate forecasts must align with policy durations rather than long-term averages, and how transparency and validation build trust in predictive models. The episode offers practical insights into using data-driven climate risk assessment as a competitive advantage for underwriters, MGAs, and portfolio managers.
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 speaks with Antonio Grimaldi, Partner at McKinsey, about how London Market carriers can unlock growth by redesigning their operating models, not just optimising portfolios. They explore why execution drives the majority of performance, how underwriting workflows must be reimagined to free up judgement-led work, and what the shift towards facilities, MGAs, and alternative distribution means for competitive differentiation.
The conversation cuts through the AI hype, outlining a pragmatic buy-versus-build framework and the real cost of “POC purgatory”. Antonio also reframes relationship-based service for 2026, arguing that speed, clarity, and decisive underwriting strengthen broker relationships more than manual processes; especially in a softening 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 episode of Making Risk Flow, host Jake Harding speaks with Evgeny Aleksandrov, Founder and CEO of PilotBird, about why claims accuracy, and not speed, is the biggest lever in modern insurance. Evgeny explains how open-source intelligence and lifestyle analytics help insurers validate claims earlier, uncover organised fraud networks, and avoid costly post-payout recovery. The conversation explores how curated data can mislead adjusters, why a “trust and verify” approach is essential, and how early-lifecycle intelligence delivers outsized returns, often 14–56x ROI.
They also discuss how better data tools improve adjuster satisfaction and retention, and what insurers must do to responsibly adopt emerging data sources at scale to future-proof their risk infrastructure.
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
Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. The series is a collection of our top episodes from this year. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday.
In this episode replay, host Juan de Castro sits down 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 company’s strategic transformation since 2019, which is focused 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.
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
Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. The series is a collection of our top episodes from this year based on views, downloads, and overall engagement. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday.
In this episode, host Juan de Castro sits down with Marcus Ryu, former CEO and current strategic adviser at Guidewire Software. Marcus shares his journey from management consulting to co-founding one of the leading software providers for the property and casualty insurance industry. He offers candid insights into the trials and triumphs of entrepreneurship, including pivotal moments such as navigating a competitive lawsuit and transitioning to the public markets.
A central aspect of Marcus's story is Guidewire’s contrarian belief in the power of vertical solutions. By developing mission-critical software tailored to the specific needs of the P&C insurance sector, Guidewire revolutionized how insurers manage claims, policies, and billing. Now a partner at Battery Ventures, Marcus discusses how his experiences at Guidewire inform his approach to investing in the next generation of startups. From the importance of customer-centricity to leveraging technology to solve real-world problems, this conversation is packed with actionable insights for founders and industry professionals alike.
Whether you're revisiting the episode or viewing it for the first time, this episode offers tactical guidance for actionable insights for founders and industry professionals alike.
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
Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday.
In this episode, Juan de Castro is joined by his colleagues, Rich Lewis, Cytora's Sales Director, and Zaheer Hooda, Head of North America, for a deep dive into what makes proof-of-concept (POC) initiatives in risk digitisation succeed or fail.
Drawing on firsthand experience from working with leading carriers, they break down five essential capabilities insurers need to get right when implementing digitisation initiatives, from extraction accuracy and full-spectrum intake handling to scalable deployment and human-in-the-loop exception management.
They also provide a practical, inside look at how insurers structure effective proof of concept processes, including live workshops, data preparation, success metrics, and how to align POC design with measurable business outcomes.
Whether you're revisiting the episode or viewing it for the first time, this episode offers tactical guidance to ensure your technology investments deliver meaningful 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
In this episode of Making Risk Flow, host Jake Harding speaks with Matthew Grant, founder and CEO of Instech and a veteran of 33 years in catastrophe modelling. Matthew unpacks why insurance’s cautious approach to AI is more strategic than sceptical. Together, they explore how carriers can align technology adoption with real business problems, build trust in new data sources, and drive operational efficiency without disrupting core workflows.
Matthew explains why consistency in user interfaces can mask major capability leaps, how to focus on outcomes rather than perfection in data quality, and why the industry’s measured pace reflects deep risk intelligence. The conversation offers insurers a clear roadmap on how a purposeful adoption of AI and cultural innovation can drive a durable 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
In this special compilation episode of Making Risk Flow, host Juan de Castro revisits conversations with the industry leaders who shaped Season 7. Join Allison Thornicroft, Yaemish Rughoo, Mark Allan, Greg Hendrick, Bilge Mert, Jean-Jacques Henchoz, and Lambros Lambrou to explore why speed and efficiency matter in commercial insurance, how AI and technology are reshaping underwriting workflows, and the key strategies insurers are using to standardize processes and drive real value for clients.
Discover how top carriers are accelerating quote-to-bind cycles, modernizing underwriting workflows, and redefining the insurance operating model for real 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
In this episode of Making Risk Flow, host Jake Harding speaks with Ross Wirth, Head of Strategic Tech Ecosystem at CyberCube, about why cyber insurance requires a new playbook for risk assessment. Ross explains how traditional underwriting struggles to keep pace with dynamic security environments, and why real-time data visibility is now essential for identifying concentration risk, single points of failure, and systemic exposures like cloud outages.
The conversation explores shifting from static applications to continuous monitoring, balancing AI-driven insights with human judgment, and designing underwriting strategies that prioritise prevention over post-incident repair. Whether you're an underwriter, broker, or cyber risk leader, this episode offers practical guidance on using data intelligently while preserving the relationship-driven core of insurance.
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, Juan de Castro sits down with Mark Allan, CEO of Ki Insurance, to explore how a digital-first, data-led approach is transforming underwriting in the London market. Mark shares how Ki combines algorithmic precision with human expertise to underwrite individual risks at unprecedented speed, while maintaining portfolio-level oversight.
This episode explores Ki’s mission-driven culture, the challenges of blending technology and insurance talent, and how partnerships with brokers and carriers are amplifying the impact of their platform. From building a billion-dollar business to enabling a more seamless, data-driven flow of risk, Mark explains how Ki is reshaping the ecosystem and setting a new standard for efficiency, collaboration, and innovation in insurance.
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
Welcome to a new episode of Making Risk Flow: Exploring the Ecosystem. Our host Jake Harding welcomes Alan Ringvald, CEO and co-founder of Relativity6, to unpack how AI and multi-source data are redefining underwriting. Together, they explore why insurers must move beyond generic AI tools toward workflow-specific solutions that integrate seamlessly into real underwriting environments.
Alan shares how intelligent data aggregation can empower underwriters with trusted, actionable insights, without adding complexity, and why automation is now essential to handle rising submission volumes profitably.
The conversation highlights a future where AI enhances, rather than replaces, human judgment, creating a true partnership between people and machines. Discover how early adopters of intelligent automation will lead the next era of efficient, insight-driven insurance.
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 welcomes Lambros Lambrou, Chief Strategy Officer at Aon, to explore how one of the world’s largest insurance brokers is transforming risk management through data, AI, and innovation. They discuss how global megatrends, trade, technology, weather, and workforce are reshaping the insurance landscape and why a shift from traditional risk protection to enabling upside growth is crucial.
Lambrou explains how Aon’s “One Data Lake,” Risk Analyzers, and Broker Copilot tools provide real-time, predictive insights that help clients make smarter decisions across property, casualty, cyber, and health insurance. The conversation highlights the importance of breaking down silos, aligning teams around client outcomes, and leveraging technology to deliver integrated, intelligent risk solutions worldwide.
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 welcomes Graham Blackwell, President of Applied Systems, to explore the transformative power of technology in insurance. They discuss how Applied Systems and Cytora are joining forces to streamline workflows, reduce manual processes, and enhance collaboration between brokers and carriers. From reimagining commercial submissions to maximising “hero work,” Graham shares insights on leveraging AI to create a seamless, efficient, and connected insurance ecosystem.
Discover how Applied Systems evolved into a market leader, the role of AI in eliminating mundane tasks, and the strategic vision for integrating agency workflows, carrier connectivity, and automation to accelerate insurance processes and empower professionals across the 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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
In this special compilation episode of Making Risk Flow, host Juan de Castro revisits our conversations with industry leaders Carl Bach, Johan Slabbert, Bettina Dietsche, Cassandra Vukorep, and others to explore how digital transformation and AI are revolutionising the commercial insurance sector. This episode provides a discussion on efficient operating models, integrating external and historical data for better risk assessment, and balancing automation with human expertise. Our featured guests share insights on scaling AI adoption, building future-ready teams, and tackling the complexities of data standardisation.
With a focus on practical implementation and change leadership, this episode offers valuable guidance for insurance professionals navigating the evolving landscape of risk, technology, and human capital.
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
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 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.
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
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 Bilge Mert, Chief Technology and Transformation Officer at Brit Insurance, about what it takes to drive meaningful digital transformation in commercial insurance. Bilge shares her approach to standardising processes across lines of business, leveraging AI to unlock efficiency, and building scalable technology foundations that support long-term innovation.
Discover how combining insurance expertise with cross-industry experience can accelerate digital transformation, and learn practical approaches to breaking down silos while driving organisational change. Whether you're leading technology initiatives in insurance or interested in industry innovation, this conversation delivers actionable strategies for building scalable, future-ready insurance operations.
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
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 Greg Hendrick, CEO of Vantage Risk Companies, to unpack what it takes to build a modern underwriting company from the ground up, right in the middle of a pandemic. Greg reveals how Vantage has grown to $1.2B in equity by combining the best of traditional underwriting expertise with a business-driven risk data technology strategy.
From creating an “Opportunity Score” to prioritise submissions, to fostering collaboration between underwriters and data scientists, Greg shares practical strategies for boosting efficiency and culture in a remote-first world. Whether you’re an insurance professional embracing digital transformation or a leader refining underwriting workflows, this conversation is packed with lessons on thriving in today’s complex risk 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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
In this panel episode of Making Risk Flow, host Juan de Castro dives into the transformative power of generative AI in insurance with three industry experts: Allison Thornicroft, VP and Business Solutions Lead at Arch Insurance Group, Neeren Chauhan, Chief Innovation and AI Officer at Tokio Marine, and Yaemish Rughoo, Information Technology Program Director at Everen.
Together, they explore how AI is slashing submission clearance times from days to hours, achieving 95–97% data extraction accuracy, and optimising underwriting workflows. The conversation unpacks actionable frameworks for successful AI adoption, from email intake to underwriter workbench, and emphasises the importance of incremental implementation, human oversight, and third-party data integration. If you're navigating digital transformation in insurance, this episode delivers practical strategies, real-world examples, and lessons from the frontlines of AI-driven operational change.
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
In this special panel edition recorded at the InsureTech Insights 2025 the panel, including Cytora's Head of North America Zaheer Hooda, have a forward-looking conversation on the evolution of the industry from InsurTech 2.0 to 3.0.
Joining him in the panel are Nicholas Chen (MD Financial Services, Accenture), Camilla Serna (Global Revenue Officer at Chubb), Ben Madick (CEO Co-founder of Matic) and Fred Blumer (CEO and Co-founder of Mile Auto & Porsche Auto Insurance). Together, they break down how AI, personalisation, and digital partnerships are reshaping the future of insurance delivery.
From embedding trust in AI-driven workflows to aligning regulatory frameworks with innovation, this episode is packed with practical insights. Tune in for a candid discussion on what it takes to drive transformation, without losing sight of insurance’s core promise: protection.
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
Welcome to Cytora’s Practitioner’s Guide, a new series from Making Risk Flow.
In each episode, we sit down with experts from Cytora’s global team to explore practical strategies, real-world applications, and emerging insights from the front lines of risk digitization and underwriting transformation.
In this episode, Juan de Castro is joined by Rich Lewis, Cytora's Sales Director, and Zaheer Hooda, Head of North America, for a deep dive into what makes proof-of-concept (POC) initiatives in risk digitization succeed—or fail.
Drawing on firsthand experience from working with leading carriers, they break down five essential capabilities insurers need to get right when implementing digitization initiatives—from extraction accuracy and full-spectrum intake handling, to scalable deployment and human-in-the-loop exception management.
They also provide a practical, inside look at how insurers structure effective proof of concept processes, including live workshops, data preparation, success metrics, and how to align POC design with measurable business outcomes.
Whether you're a carrier planning a digitization journey or a leader seeking to optimize underwriting workflows, this episode offers tactical guidance to ensure your technology investments deliver meaningful impact.
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
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
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
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
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
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
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 Marcus Ryu, Co-founder of Guidewire, to explore his fascinating entrepreneurial journey and the transformative role of technology in the insurance industry.
Marcus reflects on his nearly two decades of experience building Guidewire into a company that revolutionised insurance. From his early career at McKinsey to founding a startup in a traditionally conservative industry, Marcus shares his thoughts on overcoming the challenges of entrepreneurship, the importance of building complementary founding teams, and navigating the high-stakes world of sales.
Together, Juan and Marcus also discuss the evolution of insuretech and its growing opportunities, Marcus’ transition into venture capital, and the pivotal moments in Guidewire’s history, including a legal battle with Accenture that nearly derailed the company.
If you'd prefer to watch the episode instead, simply click here!
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
Here it is, the moment we’ve been counting down to! As we wrap up our Top 5 Most Downloaded Episodes of 2024, we’re thrilled to re-release the No. 1 episode of the year.
In this standout conversation, host Juan de Castro sits down with Andrew Horton, Group CEO of QBE Insurance, a global leader operating in 26 countries and ranked among the world’s top 20 insurance and reinsurance companies. Andrew’s insights captivated audiences, making this the most downloaded episode of the year.
During their discussion, Juan and Andrew explore how QBE maintains consistency in a market defined by rapid change, the pivotal role of innovation and culture in driving the industry forward, and why AI has become a personal priority for Andrew as a game-changing technology.
Topics Discussed:
- How QBE balances stability with adaptability in a dynamic industry.
- The critical link between company culture, innovation, and long-term success.
- Andrew’s perspective on how AI is reshaping the future of insurance.
Join us as we celebrate this incredible episode and reflect on the remarkable conversations that defined 2024. Thank you for being part of Making Risk Flow; here’s to more impactful episodes in the year ahead!
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
We’re nearing the top of our countdown! As we celebrate the Top 5 Most Downloaded Episodes of 2024, this week we’re revisiting the conversation that landed at No. 2.
In this episode, host Juan de Castro is joined by James Platt, Co-Founder and Operating Partner at Trimstone Partners. James brings a wealth of experience in operational transformation and technology innovation, with a career that spans senior roles at Boston Consulting Group and Aon, where he served as CEO of Digital Solutions.
This episode struck a chord with listeners for its bold perspectives and actionable insights. James shares why he believes the combined ratio is a flawed metric holding the insurance industry back, and how leveraging data, digitisation, and smarter decision-making can propel the sector forward.
Topics Discussed:
- Why the combined ratio might be the insurance industry’s biggest obstacle.
- Lessons from other industries like mortgage and asset management on evolving successfully.
- How data and digital tools can unlock new growth and efficiency opportunities.
Don’t miss this thought-provoking episode as we edge closer to revealing the No. 1 most popular episode of 2024!
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
The countdown continues! As we approach the end of 2024, we’re revisiting the Top 5 Most Downloaded Episodes of the Year on Making Risk Flow.
This week, we’re diving into No. 3, a thought-provoking conversation with Jacob Palmer, Partner at Boston Consulting Group (BCG). With over 13 years of experience in consulting, risk management, and insurance, Jacob works with global insurers to navigate challenges and seize opportunities in a rapidly evolving industry.
Whether you’re revisiting this conversation or hearing it for the first time, it’s an episode packed with expert perspectives on leveraging GenAI to transform insurance.
Topics Discussed:
- Why GenAI is becoming a high priority for insurers.
- The essential components of a successful GenAI strategy.
- Buy versus build: considerations for adopting new technologies.
- How London market insurers are approaching growth opportunities in the US market.
Join us as we celebrate the standout moments from 2024 and continue our countdown to the No. 1 episode of the year!
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
The countdown continues! As we approach the end of 2024, we’re revisiting the Top 5 Most Downloaded Episodes of the Year on Making Risk Flow.
This week, we’re diving into No. 4, a fascinating conversation with Clive Buesnel, former CEO of Tysers and current Managing Partner, International at Insurance Advisory Partners.
Whether you’re revisiting this conversation or hearing it for the first time, it’s an episode packed with forward-thinking insights that remain as relevant today as when it was first released.
Topics Discussed:
- How carriers can harness data and technology to achieve greater efficiency.
- The emergence of a secondary insurance market for specialty risks—and why it’s a game-changer.
- Key trends shaping the future of the insurance industry and what they mean for stakeholders.
Join us as we celebrate the standout moments from 2024 and continue our countdown to the No. 1 episode of the year!
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
Welcome to a special end-of-year series on Making Risk Flow! As we count down the final weeks of 2024, we’re revisiting the Top 5 Most Downloaded Episodes of the Year. Each Tuesday, we’ll re-release one standout episode, starting with the fifth most popular and building up to the fan favourite at No. 1.
To kick things off, we’re thrilled to revisit a milestone moment: our 50th episode featuring Bob James, Chief Operating Officer of Lloyd’s. This conversation captured the attention of thousands of listeners for its insightful exploration of how one of the world’s most iconic insurance markets is driving digital transformation.
In this episode, host Juan de Castro and Bob discuss Lloyd’s ambitious Blueprint Two initiative, which aims to revolutionize the London insurance market through cutting-edge digital strategies. They also explore the challenges and opportunities of industry-wide change, including the role of core data standards in driving efficiency and innovation.
Whether you’re revisiting this conversation or hearing it for the first time, it’s an episode packed with forward-thinking insights that remain as relevant today as when it was first released.
Topics Discussed:
- How Lloyd’s is pioneering digital transformation through Blueprint Two.
- The role of core data standards in the future of insurance.
- Lessons from other industries, like mortgage markets, on accelerating innovation.
- Why insurers don’t always evolve at the same pace—and how they can overcome this.
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
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 Johan Slabbert, an Independent Senior Advisor for Insurance Advisory Partners, to delve into the transformative impact of AI and data analytics on the insurance industry. With over 30 years of international experience, Johan has held key executive roles, including CFO for Latin America and the Caribbean at AIG and CEO positions at Augustus Specialty, Chaucer Group, MS Amlin, and MSIG Holdings. Johan’s global journey has undoubtedly enriched his expertise across diverse insurance markets.
Together, Juan and Johan explore the transformative role of AI in underwriting, particularly in managing the increasingly complex landscape of data integration. They discuss the balance between traditional data sources and new digital data streams and how AI-driven automation is unlocking more dynamic approaches to risk assessment. Johan also sheds light on the shift from simple system upgrades to broader, strategic transformations within insurance, emphasising how AI can support portfolio-level decision-making while reshaping the role of the underwriter.If you'd prefer to watch the episode instead, simply click here!
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
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 Jillian Slyfield, the Chief Innovation Officer at Aon, a global leader in risk management and insurance solutions, helping organisations tackle complex risks with innovative, data-driven approaches. With years of experience at the forefront of technological change, Jillian has a unique perspective on how data is reshaping the insurance landscape and driving new opportunities for clients and insurers alike.
Together, Juan and Jillian discuss Aon's three main strategic innovation focusses: enhancing data and analytics capabilities, advancing future mobility solutions, and driving digital transformation. Plus, the duo also cover Aon’s billion-dollar investment in data architecture modernisation, the growing complexities of managing risk as vehicle technology evolves, the development of a digital marketplace aimed at streamlining interactions between brokers, carriers, and clients, and the enticing potential of AI and telematics.
If you'd prefer to watch the episode instead, simply click here!
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
In this special episode of Making Risk Flow, host Juan de Castro engages an esteemed panel of insurance industry experts during InsTech’s recent Beyond Theory event in London. The panel features James Wright, Head of Technology at Beazley; Henrik Bjørnstad, Managing Director of National Markets at Markel International; and Jason Howes, Chief Transformation Officer at Allianz Insurance. Together, they explore the evolving landscape of commercial insurance, with a particular focus on digital transformation and its implications for underwriting processes.
Juan prompts the panel to candidly discuss their transformation journeys, uncovering the distinct challenges each company encounters as they modernise operations and enhance customer experiences. James details Beazley’s efforts to centralise operations for better SME client service, emphasising the importance of tailored underwriting for diverse risks. Jason outlines Allianz’s ambitious strategy to digitise and simplify its services, underlining the need to meet rising customer expectations. Meanwhile, Henrik illustrates how prioritising workflow improvements has significantly boosted productivity and customer satisfaction in underwriting, especially in speciality lines. The discussion also delves into strategies for fostering a cultural shift among underwriters to embrace innovative digital tools.
If you'd prefer to watch the episode instead, simply click here!
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
Making Risk Flow is back for its sixth season! In the first episode of the new series, host Juan de Castro speaks with Bettina Dietsche, Chief People and Culture Officer at Allianz Group, one of the world's largest and most diversified insurance and asset management companies. Bettina is a global executive with over 25 years of international experience in leading and managing business, sales, and operational divisions in the financial services, insurance, and IT industries.
Together, Juan and Bettina discuss the intersection of technology, people, and culture in the ever-evolving landscape of commercial insurance. The pair also talk through how to foster a culture that embraces both digital transformation and personal development, the need for upskilling for the future via lifelong learning, and the importance of valuing and leveraging the experience of older employees while also embracing the innovation and dynamism of younger generations.
If you'd prefer to watch the episode instead, simply click here!
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
While we take a seasonal break over the summer, we're excited to bring you a special series of Greatest Hits episodes! These episodes highlight the most impactful discussions from past seasons of Making Risk Flow; offering both new listeners a chance to catch up on the essential conversations that have shaped our industry, and long-time followers an opportunity to revisit the insights that continue to resonate today. We hope you enjoy revisiting these highlights, and we look forward to bringing you new content soon.
In this Greatest Hits episode, Juan is joined by Simon Cooper-Williams (Director of Portfolio Development Solutions at Markel International) and Jamie Wilson (Head of Pricing and Innovation at Hyperexponential). Together they discuss how the role of actuaries has evolved over the years, and how they work together with underwriters to achieve more dynamic and informed pricing decisions.
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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
While we take a seasonal break over the summer, we're excited to bring you a special series of Greatest Hits episodes! These episodes highlight the most impactful discussions from past seasons of Making Risk Flow; offering both new listeners a chance to catch up on the essential conversations that have shaped our industry, and long-time followers an opportunity to revisit the insights that continue to resonate today. We hope you enjoy revisiting these highlights, and we look forward to bringing you new content soon.
In this Greatest Hits episode, Juan discusses implementing ESG with Simon Tighe, Group Head of Investments, Treasury and Credit Risk at Chaucer Group, and Paul McCarney, Senior Director of Insurance Product Strategy at Moody's. Together, the trio talk through the relevance of ESG data in insurance, the need for standardised data, and how the industry can unite to create a more sustainable 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
Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.
While we take a seasonal break over the summer, we're excited to bring you a special series of Greatest Hits episodes! These episodes highlight the most impactful discussions from past seasons of Making Risk Flow; offering both new listeners a chance to catch up on the essential conversations that have shaped our industry, and long-time followers an opportunity to revisit the insights that continue to resonate today. We hope you enjoy revisiting these highlights, and we look forward to bringing you new content soon.
In this Greatest Hits episode of Making Risk Flow, host Juan de Castro is joined by his good friend and Deputy CUO and Head of Third Party at Inigo Insurance, Craig Knightley. During their conversation, the pair discuss just how data analytics and insights can play a pivotal role in gaining a competitive advantage in insurance and ensure underwriters are more accurate in risk selection. Plus, Craig outlines the five pillars of Indigo's strategy: great data, great analysis, a great underwriting workbench, portfolio underwriting, and partnering with clients.
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 the final episode of Season 5 of Making Risk Flow, host Juan de Castro sits down with James Platt, Co-Founder and Operating Partner of Trimstone Partners, a boutique strategy consulting business focused on supporting major strategic change in the insurance, asset and wealth management industries. James has an illustrious career in operational transformation and technology innovation, having played pivotal roles as a consultant and partner at Boston Consulting Group and as the CEO of Digital Solutions at Aon.
Together, Juan and James discuss why James believes the combined ratio is the worst thing that ever happened to the insurance industry, the reasons why the industry hasn’t evolved as successfully as the mortgage and asset management sectors have, and why data, digitisation, and decision-making can be the levers for change.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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, Juan de Castro speaks with Bob Gadaleta, Executive Vice President at Twin Maples Speciality, a new division of Starr Insurance designed to focus on serving mid-market businesses through wholesale brokers in the US. Bob joined Starr to assume this newly created position, bringing over 29 years of insurance industry experience in underwriting and field sales leadership, including stints at Hiscox and AIG.
Over the course of their conversation, Juan and Bob discuss Twin Maples Specialty aims to streamline workflows, use data-driven insights, and attract top talent to provide efficient and innovative solutions for brokers. Plus, the duo also what the insurance industry can learn from the insurtech startup mindset, how prioritisation can lead to superior risk selection, and why brokers don’t want, yet another, portal.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 speaks with Stephane Flaquet, the Group Chief Operations and Technology Officer at Hiscox. Stephane is a financial services professional with broad experience in all aspects of operations, technology, and change management. Stephane’s love for the industry spawns from the social purpose of insurance, and the responsibility of protecting clients' assets, as well as the industry's ability to be a great place to combine people and technology.
Together, Juan and Stephane discuss the vital roles of culture, leadership, and data in the insurance industry today. The pair also highlight how Hiscox's unique culture has contributed to its success, explore the essential characteristics of strong leadership and the challenges of maintaining a thriving culture as a company grows, why diverse teams increase business performance in insurance, and what insurance professionals can learn from elite sporting teams.
If you'd prefer to watch the episode instead, simply click here!
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 milestone 50th episode of Making Risk Flow, host Juan de Castro is joined by Bob James, the Chief Operating Officer of Lloyds. Bob is a seasoned senior insurance executive who has left an indelible mark on the insurance industry. He’s held C-suite positions in leading U.S. and International insurers, and is member of the Board of Trustees for The Institutes, a leading provider of insurance education.
During the course of their conversation, Juan and Bob delve into the evolving nature of the London insurance market. Bob shares how Lloyd's is driving transformation through initiatives like Blueprint Two, an ambitious strategy to deliver profound change through digitalisation. They also discuss reasons why insurers don’t always evolve at the same speed, why the mortgage market has undergone radical digital transformation over the past 20 years whilst the commercial insurance market has not, and why core data standards might be the missing key for further transformation in the insurance industry.
If you'd prefer to watch the episode instead, simply click here!
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 the latest episode of Making Risk Flow, host Juan de Castro speaks with Emmanuel Clarke. Emmanuel wears many hats, including serving as Chairman of the Board at the BMS Group and Compre Group, and as a Senior Advisor at McKinsey & Company. Industry insiders speak of Emmanuel as a living legend in the insurance sector. With over 30 years of experience in the industry and multiple enterprise leadership roles, Emmanuel is a performance-driven, strategic, and execution-focused leader with a proven track record for leading global and culturally diverse teams.
Together, Juan and Emmanuel highlight the digitisation challenges that both insurance and reinsurance face, and why they are more similar than they immediately look on the surface. Plus, the duo also cover how AI and data could be used to evolve reinsurance workflows, the impact seasonality has on the quality of data, and why it’s crucial to digitise unstructured data as soon as it’s received.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 is joined by Arslan Hannani, a Vice President at Travelers, to discuss the role culture plays in driving innovation in the insurance industry. With Travelers being a 165-year-old global insurance company, Arslan firmly understands the importance of evolving in the space. Together, the pair discuss how the innovation team works closely with business units to achieve growth, ways to get over the challenging innovation hurdles of capacity and funding, the pros and cons of acquisitions vs. partnerships, and why cultural compatibility plays a pivotal role in successful organisations.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 is joined by both Tony Buckle, former Chief Underwriting Officer of Allianz Global Corporate, and John Carolin, former CEO of B3i. Tony and John now work for UWX, a company set about reimagining underwriting.
During their discussion, the trio talk through effective ways to navigate a soft market in the insurance industry. They highlight that, during the ‘fog of war’, a soft market is not something that just happens, rather, it is something that you can actively manage and be successful in. Whether that be from what you choose to write, to how you choose to manage an organisation, and how measures you use to quantify both.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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, Juan de Castro speaks with Bill Bloom, a board member at Aviva Canada, Bamboo Insurance, and Foundation Risk Partners. Over his 28-year career, Bill has led the strategic direction at global insurers and consultancies, including Accenture, The Hartford, and Aviva. He has also played a leading role in integrating technology, data, and analytics in insurance operations and claims management.
During the course of their fascinating discussion, Juan and Bill discuss why the insurance industry has evolved slowly and the challenges it faces in both underwriting and claims. Bill also shares his insights on the need for digitisation, standardisation, and the deployment of artificial intelligence to improve efficiency and customer service too.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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
This time on Making Risk Flow, host Juan de Castro is joined by Clive Buesnel, Managing Partner, International at Insurance Advisory Partners. Clive is a seasoned insurance industry expert, having held prestigious roles at Deloitte, Jubilee General Insurance Company and Tysers. Clive shares his extensive experience and deep knowledge of the insurance industry, discussing topics such as data, technology, and the future of the industry.
Together, Juan and Clive talk through how data and technology are providing opportunities for carriers to capture efficiency, the exciting development of a secondary insurance market for specialty risks, and what major trends are on the horizon for the insurance industry.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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, Juan de Castro speaks with Neil Galjaard, Divisional Managing Director of Markel UK, a global specialty insurance provider. Neil has over 30 years of experience in the insurance industry and has held leadership roles at companies like Lloyds, Virgin Money, and Towergate Insurance. Neil joined Markel in 2016 to lead the UK retail business across insurance, tax, and legal capabilities, whilst working closely with brokers, accountants, and lawyers.
During the course of their conversation, Neil shares his insights on Markel’s ethos for delivering sustainable business solutions and the key driver of success in the insurance industry: great service. Neil also emphasises the importance of being available and knowledgeable for brokers and clients, how efficiency, technology, and data play a part in maximising underwriters' expertise, and what makes Markel a 'forever business'.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 the latest episode of the Making Risk Flow podcast, host Juan de Castro interviews Sufen Lim, Senior Vice President at Tokio Marine Group. With over a decade of experience spanning investment banking to her current role, Sufen offers a unique perspective on the industry's evolution and Tokio Marine Group's strategic vision.
Sufen joins Juan to share the cultural nuances crucial for thriving in the insurance sector and the group's commitment to driving product innovation and operational excellence. With wisdom rooted in Winston Churchill's advice, from harnessing AI to collaborating with insurtech startups, Sufen also reveals Tokio Marine Group's forward-looking approach to meeting customer needs and addressing future mega trends.
To learn more about Cytora's 'The Future of Underwriting has Arrived in New York' event in March, please click here.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 the Making Risk Flow podcast, Cytora’s Juan de Castro is joined by James Anderson, Partner at EY, to delve into historical and current challenges around the soft and hard market cycle. James, an experienced actuary turned consultant, shares valuable insights on the use of analytics and technology to drive business improvement.
Together, Juan and James discuss the challenges and changes facing the insurance market and the importance of preparing businesses by developing adaptive strategies. They also cover the management of the potential for a new softening in the market, why insurers need to focus on rate adequacy, establishing a clear strategy, and improving technical pricing capabilities, and the significance of culture and compensation in aligning underwriters' behaviour with company goals.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 interviews Jacob Palmer, Partner at Boston Consulting Group (BCG). Jacob has over 13 years of industry experience in consulting, risk management, and insurance. In his role at BCG, he advises global insurers on everything from growth acceleration to the adoption of new technologies.
Together, Juan and Jacob discuss a myriad of topics including why GenAI is a high priority for insurers, the ingredients for a successful GenAI strategy, the buy versus building considerations with new technology, and how the London market insurers are thinking about growth opportunities in the US market.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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
It's a new year and a new season of the Making Risk Flow podcast. This time, host Juan de Castro sits down with Andrew Horton, the Group CEO of QBE Insurance. Located in 26 countries, QBE Insurance is one of the world's top 20 insurance and reinsurance companies. During the course of their conversation, Juan and Andrew discuss QBE’s approach to consistency in an ever-evolving market, the important role innovation and culture plays in insurance, and why the game-changer that is AI is on Andrew’s personal agenda.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 Juan is joined by Simon Cooper-Williams (Director of Portfolio Development Solutions at Markel International) and Jamie Wilson (Head of Pricing and Innovation at Hyperexponential). Together they discuss how the role of actuaries has evolved over the years, and how they work together with underwriters to achieve more dynamic and informed pricing decisions.
To discover more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 is accompanied by Nigel Walsh, the Managing Director of Insurance at Google, to delve into the exciting role of technology in the insurance industry. Juan and Nigel explore the potential for technology, particularly artificial intelligence, to revolutionise underwriting workflows and decision-making, whilst also highlighting the importance of reducing costs and streamlining processes. The conversation also covers the need for collaboration between humans and machines, how Google safeguards against the concerns around security and IP protection, and insightful discussion showcasing the transformative power of technology in improving efficiency and productivity for insurers.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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
With the exciting news of PPL's Next Gen release, here's an episode from the Making Risk Flow vault. In the episode, host Juan de Castro is joined by Bronek Masojada, the former CEO of Hiscox and former Chairman of Placing Platform Limited (PPL). Their conversation ranges from discussing Bronek’s time at Hiscox and his reflections on the challenges he faced, to talking about how PPL works, how it is being received by the market, and its successes.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 interviews Meghan Hannes, the Head of US Underwriting Management, Cyber Risks at Beazley. As a highly accomplished executive leader, Meghan has demonstrated success in portfolio management, actuarial and data science, and cyber risk management services. During the course of the discussion, Juan and Meghan cover the dynamic cyber insurance market, the evolving role of underwriters, and the role of risk controls and loss behaviour in cyber insurance.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 podcast episode, Juan de Castro interviews Jeffrey Hayman, a CEO, Chairman, board member, and entrepreneur in the global insurance industry. Hayman has an impressive track record in executive roles at carriers like AIG and, more recently, in non-executive roles, including his current position as Chairman of the Board at R&Q Insurance Holdings Ltd.
They discuss various topics, including the state of the market, the board-level conversations about AI adoption, and the use of external capital in the insurance industry. Jeffery also mentions his involvement in investing in and advising promising startups and shares his experience and insights for executives leaving large organizations to set up their own ventures.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 sits down with three friends in the underwriting and insurance space to discuss the importance of underwriters in the insurance industry and how technology can improve their efficiency and effectiveness. They mention the need to digitise data, automate processes, and provide decision support to underwriters. The importance of a customer-centric approach and the role of external data in understanding and evaluating risks is also on the table.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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 sits down with Bryan Falchuk, the President and CEO of Property & Liability Resource Bureau, and David Gritz, the Co-Founder and Managing Director of InsurTechNY. Drawing upon research gathered from the Insurance Collaboration Index, the trio discuss the impact collaboration can have in the insurance industry. Juan, Bryan and David also cover key lessons for nurturing successful partnerships, why it’s important to maintain a transformative mindset, and enlightening case studies that can be replicated.
To discover out more about digital risk processing, click here.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, 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
Making Risk Flow is back for it's fourth season! In the first episode of the new series, host Juan de Castro is joined by his good friend and Deputy CUO and Head of Third Party at Inigo Insurance, Craig Knightley. During their conversation, the pair discuss just how data analytics and insights can play a pivotal role in gaining a competitive advantage in insurance and ensure underwriters are more accurate in risk selection. Plus, Craig outlines the five pillars of Indigo's strategy: great data, great analysis, a great underwriting workbench, portfolio underwriting, and partnering with clients.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In the last episode of Season 3 of Making Risk Flow, host Juan de Castro highlights some of his favourite moments from the series. During the season, Juan has hosted 15 excellent guests from brokers, insurers and advisors. Looking back at the season, Juan, with the help of insightful clips, talks about the three common challenges that have spanned across all 12 episodes.
The first is efficiency, and how manual processes can result in inefficient workflows that affect productivity and service. The second is effectiveness, and why poor underwriting data can impact the ability to drive consistent risk selection. The third theme surrounds continuous performance improvements, and the fact that the lack of visibility over frontline activities hinder the ability to identify improvement opportunities.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode, Juan is joined by Nathália Bellizia, Managing Director at Boston Consulting Group (BCG), to analyse the BCG's upcoming Value Creation Report. The eagerly awaited document shall help identify the patterns of insurers that have created value over the last five years compared to those that have destroyed value. Juan and Nathália also discuss the three key themes which have contributed to value creators and value destroyers: GenAI, sustainability and the talent war.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode of Making Risk Flow, Juan is joined by analytics expert Paul Mang, Innovation Advisor at Guidewire and former global CEO of Analytics at Aon, to discuss the use of analytics in insurance and how to get better returns on such investment. Juan and Paul also address how the industry can make progress through interoperability, ways in which analytics can improve efficiency whilst driving down costs, and why the insurance industry needs to focus on increasing its relevancy.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode, Juan is joined by both Neil Peters, the National Director of Branch Network at Arch International UK, and Arvind Drubhra, the Director of Operations for the UK and Ireland at HDI Global SE. During the course of their conversation, Juan, Neil and Arvind discuss how to leverage data to drive growth, the steps and target states to achieving full digitisation, and how technology might allow businesses to accelerate the onboarding of new underwriters.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
This time, we are wanting to shine a light on a previous episode from our back catalogue. Recently, insurers have been focussing more and more on implementing digital risk flows. So, here's an episode on that very topic.
The goal of digitising risk flows is to enable automated decision making on the best course of action for each submission, characterising each risk with granular risk information and ensuring that underwriters only work on winnable, decision-ready risks. In this episode, Juan deep dives into the three main stages on how to achieve that for the new business submissions: the art and science of the submission digitisation, risk submission evaluation according to the insurer’s strategy, and routing of the risk to the right downstream system or underwriter.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
This time on Making Risk Flow, host Juan de Castro is joined by Paul Brand, the CEO of Convex Insurance. In the episode, Juan and Paul discuss the three pillars of Convex’s success in the insurance industry: creating the perfect company culture, optimising technology to make data-driven decisions, and how operational excellence can give businesses a competitive advantage.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode, Juan is accompanied by Sheila Cameron, CEO of Lloyd's Market Association, to discuss digitising the London insurance market. Over the course of their discussion, the pair talk through how the London insurance market is changing, ways to drive change in the complex environment, and the importance of standardising data across the industry.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode, Juan is joined by Mandy Hunt, the Chief Underwriting Officer of Commercial Lines at RSA, to discuss the crucial role of data in the underwriting process. During their conversation, Juan and Mandy consider how automated and structured data can aid risk selection consistency, help underwriters understand the data at their fingertips, and how to identify new sources of data.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode, Ben Luckett, Chief Innovation Officer at Aviva, joins host Juan de Castro to share how continuous internal innovation at Aviva has helped establish it as a global name in insurance. Also, Juan and Ben discuss the three core elements of Aviva’s innovation process, the importance of investing in innovation even if it does not have an immediate payoff, and the three big trends leading insurance innovation right now: mobility, AI, and an increasingly connected world.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode, Juan discusses implementing ESG with Simon Tighe, Group Head of Investments, Treasury and Credit Risk at Chaucer Group, and Paul McCarney, Senior Director of Insurance Product Strategy at Moody's. Together, the trio talk through the relevance of ESG data in insurance, the need for standardised data, and how the industry can unite to create a more sustainable future.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode, Juan is accompanied by Matthew Grant, CEO of InsTech, to discuss the three major topics that everyone in insurance is talking about right now: digitising insurance to remove friction, the impact of climate change, and actively reducing or mitigating risk. Plus, Juan and Matthew touch on the potential impact AI and ChatGPT might have on the insurance industry.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode, Juan is joined by Jason Howes, Director of Business Transformation at Allianz Commercial UK, and Jonathon Gray, Transformation Business Owner at Allianz Insurance. With the guests coming from the same company, the trio discuss the vision and structure of the transformation initiatives taking place at Allianz, how risk prioritisation can help companies win business, and why digital risk flows might be the future of insurance.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode, Juan is accompanied by Paolo Cuomo, the Executive Director of Gallagher Re. Over the course of the show, Juan and Paolo discuss the challenges with data in reinsurance, how cyber development is learning lessons from the CAT property space, and why large amounts of data can actually be ineffective for insurers.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In the first episode of Season 3, Juan invites Philippe Lutgen, the Chief Operating Officer for Howden Broking in Europe, onto Making Risk Flow. The pair discuss the four key areas to success in broking, how data automation could be integrated into broking processes, and how the industry could make strides in underinsurance.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode of Making Risk Flow, Juan is joined by Bronek Masojada, the former CEO of Hiscox and the current Chairman at Placing Platform Limited (PPL). Their conversation ranges from discussing Bronek’s time at Hiscox and his reflections on the challenges he faced, to talking about how PPL works, how it is being received by the market, and its successes.
Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes:
- 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL
- Hiscox: The Story of How They Cracked Underwriting Small Business
- The Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting
In this episode, Juan is joined by Simon McGinn, CEO of Allianz Commercial UK, and Richard Coleman, Managing Director, UKGI at Ecclesiastical Insurance Group, on a panel discussion at a Making Risk Flow live event. With the guests being from two contrasting insurers, in terms of scale, Juan asks the guests about how their company’s are approaching digital transformation, what avenues they are prioritising, and what vital lessons they’ve learned throughout the process.
In this episode, Juan is accompanied by Steven Wilkins, Senior Vice President and Head of Casualty at Hiscox USA, to discuss how Hiscox successfully underwrites for smaller businesses. Amongst other things, their conversation covers how to handle renewals, ways to deal with mid-term adjustments, and the creative work that goes into profiling potential clients.
In this episode, Juan is joined by Roman Itskovich, Co-founder and Chief Risk Officer at At-Bay, and Jay Rajendra, Chief Strategy and Innovation Officer at Arch Capital Group, on a panel at ITC Vegas 2022. The trio discuss the current landscape of the insurance market, how data-driven cyber underwriting is helping to open up new opportunities for the sector, and the prospects and challenges of cyber underwriting.
In this episode, Juan is joined by Thierry Daucourt, Head of P&C Commercial Lines European Markets at AXA, to discuss how digitisation is upending the underwriting value chain. The pair discuss how the underwriter's role has changed in the production, management, and valuation of information, and how technological advancements can free underwriters to concentrate on activities that generate additional revenue.
www.cytora.com
In this episode of Making Risk Flow, our host, Juan de Castro, joined Helen Troman, Chief Underwriting Officer Small Commercial at Chubb, and Ian Fantozzi, Chief Executive Officer at Beazley Digital, on a panel of the Commercial Lines Innovation Europe 2022. They discussed how insurance can embrace flexibility and digitization to deliver a better service.
https://cytora.com/
Instructions on how to rate and review Making Risk Flow on Apple Podcasts can be found here.
In this episode Juan and Cytora’s very own VP of Customer Success Matt Churchill talk about a practical approach to deploying digital risk flows and the benefits of each stage of the transformation. The conversation covers architectural challenges and solutions, and it lays out the incremental steps an insurer can take to maximise the chances of successful deployments.
https://cytora.com/
This episode marks the return of Making Risk Flow, season 2! We are kicking off with an episode packed with thoughts on the strategic initiatives of the day and actionable advice for any insurer aiming to be a winner in their market. Juan and his guest, an industry veteran, Mark Cliff (ex RSA, AXA, Ageas, Brightside) talk about 3 big shifts in the industry that will separate the leaders from the laggards.
https://cytora.com/
This is a bonus episode during our between-the-seasons break. This time Juan was a guest at another great podcast - Covered in 15. It was an interesting conversation about how data can improve insurance services.
www.cytora.com
The last episode of Season 1 of Making Risk Flow brings a special edition which was recorded live in London. Juan had fantastic panel discussion bringing Nic Brown, Divisional Director - Broker, from Markel International, and a star of a recent episode James Wright, Head of Technology at Beazley Digital. They've chatted about the challenges that major insurers face and the solutions they adopt.
In this episode, Juan and his guest Adrian Brown are talking about the possibilities of appetite expansion by utilising all of the data from all the risks that insurers see every day.
www.cytora.com
In this episode, Juan welcomed as a guest James Wright, Head of Technology at Beazley Digital. They talked about Beazley's approach to delivering superb broker service and driving premium growth. Their unique approach focuses on alignment, technology and agile methodology.
www.cytora.com
In this episode Juan invited ex Hiscox SVP and the newest Head of North America at Cytora - Zaheer Hooda. They talked about the drivers behind Hiscox digital transformation efforts. In this brief chat they cover challenges of digitising and automating risk workflows , the path of achieving it at Hiscox.
www.cytora.com
In this episode, Juan and his guest Silvi Wompa, Group Head of Portfolio Underwriting at Swiss Re are talking about the underwriters of tomorrow. They cover what a role of an underwriter will require - acquiring new skills, evolving their relationship with data and finally how can technology support underwriters in their role.
www.cytora.com
In this episode, Juan welcomed Lyn Comeford, the Director of Strategic Projects and Operations at Markel International.
They talk about Markel's growth goals and their approach to breaking the relationship between growing the business and having to increase operational costs. They also cover the way technology can help underwriters be more satisfied with their jobs; and how to bring them on board with transformational changes.
www.cytora.com
In this episode Juan invited an industry expert Dan McNally to talk about the importance of data to driving superior risk selection.
Dan, with over 20 years of experience in the underwriting and brokering world shared his insights on the different types of data insurers and underwriters need, and could benefit from. Covering submission data, internal data as well as 3rd party data - how to best leverage them and what are their shortcomings.
The goal of digitising risk flows is to enable automated decision making on the best course of action for each submission, characterising each risk with granular risk information and ensuring that underwriters only work on winnable, decision-ready risks.
In this episode, Juan did a deep dive into the three main stages how to achieve that for the new business submissions:
- the art and science of the submission digitisation,
- risk submission evaluation according to the insurer’s strategy,
- routing of the risk to the right downstream system or underwriter.
www.cytora.com
In this episode, Juan and his guest Kelly Lyles, former Chief Executive at AXA-XL, talk about the benefits of digital risk flows. They touch upon the growing expense ratio within the insurance industry, making underwriters happier and more efficient employees and finding the holy grail of driving efficiency through data.
Welcome to Making Risk Flow!
In this intro episode, Juan talks about the mechanisms that drove the industrial revolution in the XVIII and XIX century and how it all relates to the Insurance industry nowadays. He outlines the principles of lean manufacturing and shows how they can be applied in risk processing workflows.
Tune in to hear what else can you expect from our bi-weekly episodes of Making Risk Flow
www.cytora.com