10/17/2026
US Insurers Adapt to Emerging Tech
In the insurance world, technology is moving at lightning speed—often outpacing the ways businesses, regulators, and insurers keep up. With over 25 years in the industry, I've seen firsthand how emerging tech like AI is creating new risks, especially when it comes to cyber threats, business continuity, and liability concerns for both individuals and organizations. Traditionally, insurers have relied on past loss data to shape coverage, but today, many companies are integrating AI before the rules, claims patterns, or coverage language are fully set. Early claims tied to new tech have already touched everything from legal filings and healthcare records to cyber incidents and manufacturing setbacks. As AI becomes part of hiring, customer service, and production, a single event can now raise complex questions across cyber, professional, product, property, and even bodily injury coverage. That’s why I always encourage my clients to stay proactive—documenting governance, vendor management, cyber resilience, and the human checks behind every system. As the insurance landscape continues to evolve, taking these steps can help ensure you’re well-protected, no matter how technology changes the game.
