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บทวิเคราะห์ด้านเทคโนโลยีประกันภัย AI และการดำเนินงานยุคใหม่
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Four ledgers, four tax regimes, one month-end
Every cargo booking posts to four ledgers: client premium, insurer payable, broker commission and insurance tax. Why a manual month-end caps how many markets a broker can open, and what changes when the money reconciles itself.
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One cover, a thousand shipments: where broker management systems stop
A cargo book is built around an open cover with hundreds of declarations hanging off it, not around a policy record. This blog explains why general agency systems struggle with declaration volume, distinguishes declaration-based open cover from turnover-rated policies, and sets out five questions to put to any broker management system before signing.
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The World Cup Surge Breaching Policy Limits This Summer
The 2026 FIFA World Cup is on track to drive £898 million in UK hospitality spend, with around 12 million consumers expected to buy at a pub, bar or venue during the tournament. That is 103% higher…
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Anyone Can Fake a Claim Now. Can Your Claims Ledger Tell?
AI has made fraud cheaper and easier. A connected claims ledger makes it easier to detect.
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The AI Boomerang: why 2026 is the year broker work outran the broker
A commercial broker opens their inbox on a Monday in 2026. Where a prospect once sent three lines asking for a quote, there is now a ten-page submission: structured, technical, full of…
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Agentic AI: The Underwriter's New Co-Pilot
The real bottleneck in commercial underwriting is not pricing the risk. It is the paperwork beforehand: sorting submissions, extracting data and chasing missing documents.
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3 Things Brokers Should Reconsider About Their Technology Buying Decisions
The insurance industry runs on relationships. That is not a flaw or a complaint because it is largely why the sector works as well as it does. But that same instinct, when applied to technology…
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On building insurance software that endures
I have spent more than 18 years building core insurance platforms for insurers, MGAs and brokers. Here is what that time has taught me about the technology that holds up, and where AI honestly fits.I…
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The 2026 UK MGA Excellence Guide
5 Strategic Pillars for Growth
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At ITC Barcelona, the Biggest AI Question Was About Brokers
Most presentations at ITC Europe in Barcelona last month were about AI. Holm Schimanski's was about people.
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The Architecture of Scale: Why AI Pilots Fail in Insurance
95% of enterprise generative AI pilots delivered no measurable P&L impact (MIT NANDA, 2025). The tools are not the problem. The foundation underneath them is.
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The Integration Problem: How Disconnected Broker Systems Are Killing Productivity
Think about why people don't just buy an iPhone. Instead, they buy into the entire Apple ecosystem. Copy something on your iPhone, paste it on your Mac. Photos appear across every device without…