Making Risk Flow | The Future of Insurance

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-q...

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. T...

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 re...

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...

What if your climate risk assessments could predict the future with greater accuracy than historical data alone? In part two of this conversation on Making 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 ex...

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...

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 be...

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 experti...

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 episod...

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,...

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...

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 enab...

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 underw...

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 thei...

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...

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 di...

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 insuranc...

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 impac...

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...

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...

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....

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 a...

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 conv...

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 accur...

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...