A trusted, prevention-first insurance ecosystem

The next decade of insurance will be shaped by data transparency, automation at the edge, and risk reduction incentives that benefit everyone—policyholders, brokers, and carriers.

Key pillars

  1. Aligned incentives for prevention and transparency
  2. Data portability and explainable underwriting
  3. AI copilots that empower brokers, not replace them
  4. Public-private collaboration on resilience

Open standards and portable data will let small businesses benefit from safer operations and faster coverage while protecting privacy. Brokers remain essential as advisors—augmented by automation for quotes, endorsements, and renewals.

Distribution to underwriting flywheel

Embedding risk signals into distribution increases underwriting accuracy. Better accuracy reduces loss ratios, enabling more competitive pricing and expanded coverage—creating a positive feedback loop.

Roadmap

0→1: Foundations

  • Define a portable data schema for SMB exposures and controls
  • Broker copilot for intake, appetite checks, and quote comparisons
  • API connectors with carrier portals and market hubs

1→10: Scale

  • Automate endorsements and renewals with explainable decisioning
  • Embed prevention programs linked to pricing benefits
  • Shared outcomes dashboard for brokers, carriers, and clients

10→100: Ecosystem

  • Open standards for data portability and model explainability
  • Public‑private resilience initiatives for SMBs and communities
  • Continuous learning loops from claims back to distribution

Design principles

  • Privacy by design: minimum necessary data, strong consent, and role‑based access.
  • Explainable automation: every automated decision includes rationale and override paths.
  • Human‑in‑the‑loop: brokers are advisors; AI handles repeatable work.
  • Prevention incentives: price signals that reward safer operations.
  • Interoperability: connectors, not monoliths; standards over lock‑in.

Policyholder journey

  1. Intake: one clean data pass for appetite and submissions
  2. Bind: clear trade‑offs and exclusions, explained in plain language
  3. Operate: prevention programs with measurable ROI
  4. Renew: data‑driven adjustments with fewer surprises