Shows
Making Risk Flow | The Future of InsuranceMaximising Hero Work: How AI is Transforming Commercial Insurance | Graham Blackwell, Applied SystemsFan 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 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. Discove...
2025-10-1433 minMaking Risk Flow | The Future of InsuranceFrom Data to Decision | The AI-Driven Revolution in Commercial UnderwritingFan 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, bu...
2025-09-3017 minMaking Risk Flow | The Future of InsuranceFrom Relevance to Resilience: Inside the Evolution of Modern Insurance | Jean-Jacques Henchoz, Brit InsuranceFan 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 inno...
2025-09-1628 minMaking Risk Flow | The Future of InsuranceBreaking Industry Silos: The Hidden Power of Standardised Data in Specialty | Bilge Mert, Brit InsuranceFan 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 le...
2025-09-0232 minMaking Risk Flow | The Future of InsuranceBuilding a $1.2B Underwriting Company with Risk Data Technology | Greg Hendrick, Vantage Risk CompaniesFan 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 pri...
2025-08-1939 minMaking Risk Flow | The Future of InsuranceSpeed, Scale & GenAI: How Specialty Insurers Are Rewiring Underwriting in 2025 | InsTech NYCFan 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 accu...
2025-08-0516 minMaking Risk Flow | The Future of InsuranceITIUSA25 - From Insurtech 2.0 to 3.0: What is the Future of Insurance? | Insurtech Insights PanelFan 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 do...
2025-07-0135 minMaking Risk Flow | The Future of InsurancePractitioner’s Guide: The Blueprint for Risk Digitization POCs | Zaheer Hooda and Richard Lewis, CytoraFan 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 mak...
2025-05-2728 minMaking Risk Flow | The Future of InsuranceInside Lloyd’s Digital Transformation: The Data & AI Shift You Can’t Ignore | Cassandra Vukorep, Lloyd’sFan 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 highli...
2025-04-0829 minMaking Risk Flow | The Future of InsuranceThe Hartford’s Next Chapter: Building a Global Insurance Powerhouse | Carl Bach, The HartfordFan 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.T...
2025-03-2530 minMaking Risk Flow | The Future of InsuranceThe Data Flywheel: Why “No Data, No Deal” is Changing Cyber Insurance I Jonathan Spry, Envelop RiskFan 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...
2025-03-0436 minMaking Risk Flow | The Future of InsuranceMastering Risk Digitisation: From Business Case to Business Impact | James Platt, Henry Withinshaw, and Jonathon GrayFan 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 sha...
2025-02-1835 minMaking Risk Flow | The Future of InsuranceRedefining What Success Looks Like in Insurance Leadership | Laurent Rousseau, Guy CarpenterFan 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...
2025-02-0427 minMaking Risk Flow | The Future of InsuranceThe Vertical Advantage: How Specialisation Drove Success in Insurance | Marcus Ryu, GuidewireFan 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 th...
2025-01-2255 minMaking Risk Flow | The Future of InsuranceTop 5 Episodes of 2024: No.1 - Consistency, Innovation, and Culture with Andrew HortonFan 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 m...
2024-12-3135 minMaking Risk Flow | The Future of InsuranceTop 5 Episodes of 2024: No.2 - Why Combined Ratio Is Holding Insurance Back with James PlattFan 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 ser...
2024-12-2438 minMaking Risk Flow | The Future of InsuranceTop 5 Episodes of 2024: No.3 - The GenAI Playbook: Guide to Insurance Transformation with Jacob PalmerFan 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...
2024-12-1739 minMaking Risk Flow | The Future of InsuranceTop 5 Episodes of 2024: No.4 - The Major Trends on Insurance’s Horizon with Clive BuesnelFan 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 remai...
2024-12-1027 minMaking Risk Flow | The Future of InsuranceTop 5 Episodes of 2024: No.5 - How Lloyd’s is Embracing Digital Change in Insurance with Bob JamesFan 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...
2024-12-0336 minMaking Risk Flow | The Future of InsuranceAI Predictions for Global Insurance from Former AIG Executive, Johan SlabbertFan 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 glob...
2024-11-1931 minMaking Risk Flow | The Future of InsuranceInnovating Insurance: Aon’s Billion-Dollar Bet on Data | Jillian Slyfield, AonFan 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 an...
2024-11-0542 minMaking Risk Flow | The Future of InsuranceBeyond Theory: Unlocking Business Value with Complete Digital Risk Flows | James Wright, Henrik Bjørnstad and Jason HowesFan 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 i...
2024-10-2238 minMaking Risk Flow | The Future of InsuranceUpskilling for the Future: Navigating Tech Change and Employee Engagement at Allianz | Bettina Dietsche, Allianz GroupFan 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.
2024-10-0838 minMaking Risk Flow | The Future of Insurance[Greatest Hits] Actuaries and underwriters join forces in digital transformation | Jamie Wilson, Hyperexponential, and Simon Cooper-Williams, MarkelFan 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...
2024-09-2438 minMaking Risk Flow | The Future of Insurance[Greatest Hits] Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody'sFan 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...
2024-09-1036 minMaking Risk Flow | The Future of Insurance[Greatest Hits] The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, InigoFan 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...
2024-08-2745 minMaking Risk Flow | The Future of InsuranceWhy Combined Ratio Is Holding Insurance Back | James Platt, Trimstone PartnersFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 So...
2024-07-0938 minMaking Risk Flow | The Future of InsuranceBuilding Customer-centric Models for Wholesale Brokers | Bob Gadaleta, Twin Maples SpecialityFan 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, 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 co...
2024-06-2524 minMaking Risk Flow | The Future of InsuranceLeadership, Diversity and Data: How Hiscox Stays on Top in Insurance | Stephane Flaquet, HiscoxFan 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 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 peop...
2024-06-1149 minMaking Risk Flow | The Future of InsuranceHow Lloyd's is Embracing Digital Change in Insurance: Blueprint Two and Core Data Standards | Bob James, Lloyd’sFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 t...
2024-05-2836 minMaking Risk Flow | The Future of InsuranceReinsurance's Digital Frontier: Data, AI and the Tech Wave | Emmanuel Clarke, BMS GroupFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 le...
2024-05-1434 minMaking Risk Flow | The Future of InsuranceHow Culture Fits Forge Innovation Partnerships in Insurance | Arslan Hannani, TravelersFan 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 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 hu...
2024-04-3036 minMaking Risk Flow | The Future of InsuranceThe Soft Side of the Soft Cycle | Tony Buckle & John Carolin, UWXFan 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 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 m...
2024-04-1641 minMaking Risk Flow | The Future of InsuranceCreating the Network Effect in Insurance | Bill Bloom, Aviva CanadaFan 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, 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, Ju...
2024-04-0229 minMaking Risk Flow | The Future of InsuranceData and Technology: The Major Trends on Insurance’s Horizon | Clive Buesnel, Former CEO of TysersFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 an...
2024-03-1927 minMaking Risk Flow | The Future of InsuranceWhy Service is the Secret to Tripling Growth in Insurance | Neil Galjaard, Markel UKFan 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, 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.Du...
2024-03-0533 minMaking Risk Flow | The Future of InsuranceGlobal Strategy and Operational Excellence in Insurance | Sufen Lim, TMKFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 pr...
2024-02-2030 minMaking Risk Flow | The Future of InsuranceThe Softening Market: Challenges and Opportunities for Insurers | James Anderson, EYFan 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 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 prep...
2024-02-0632 minMaking Risk Flow | The Future of InsuranceThe GenAI Playbook: Guide to Insurance Transformation | Jacob Palmer, BCGFan 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 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 fo...
2024-01-2339 minMaking Risk Flow | The Future of InsuranceConsistency, Innovation, and Culture: Insights from QBE's CEO | Andrew Horton, QBE InsuranceFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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...
2024-01-0935 minMaking Risk Flow | The Future of InsuranceActuaries and underwriters join forces in digital transformation | Jamie Wilson, Simon Cooper-WilliamsFan 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 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 in...
2023-12-1838 minMaking Risk Flow | The Future of InsuranceTech-Driven Transformation: Google’s Take on Insurance Evolution | Nigel Walsh, GoogleFan 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 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, ho...
2023-12-0537 minMaking Risk Flow | The Future of Insurance[Greatest Hits] 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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...
2023-11-1426 minMaking Risk Flow | The Future of InsuranceNavigating the Constantly Evolving Cyber Insurance Market | Meghan HannesFan 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 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...
2023-11-0225 minMaking Risk Flow | The Future of InsuranceExploring AI Adoption, a Board Level Conversation | Jeffrey HaymanFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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...
2023-10-1731 minMaking Risk Flow | The Future of InsuranceThe Future of Underwriting Has Arrived: Examples from the Front Line | Jamie Wilson, Chris Varley and Salman SiddiquiFan 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 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...
2023-10-0328 minMaking Risk Flow | The Future of InsuranceSuccessful Partnerships in Insurance: From Disruption to Evolution | Bryan Falchuk and David GritzFan 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 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 tran...
2023-09-1937 minMaking Risk Flow | The Future of InsuranceThe Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, InigoFan 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 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 ou...
2023-09-0545 minMaking Risk Flow | The Future of InsuranceSeason 3: The Common Challenges We're Facing in the Insurance IndustryFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 th...
2023-07-1819 minMaking Risk Flow | The Future of InsuranceGenAI, Sustainability and the Talent War: Inside BCG's Value Creation Report | Nathália Bellizia, BCGFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 tale...
2023-07-0436 minMaking Risk Flow | The Future of InsuranceHow to Unlock Higher Returns on Investments in Analytics | Paul Mang, GuidewireFan 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, 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 fo...
2023-06-1337 minMaking Risk Flow | The Future of InsuranceThe Roadmap to Deploying End-to-End Digital Risk Flows | Neil Peters, Arch, and Arvind Drubhra, HDIFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 un...
2023-05-2331 minMaking Risk Flow | The Future of Insurance[Greatest Hits] The 3 Steps to Deploy Digital Risk Flows for New Business - Deep DiveFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 wi...
2023-05-1630 minMaking Risk Flow | The Future of Insurance3 Secrets to Convex’s Success: Culture, Data and Operational Excellence | Paul Brand, ConvexFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, click here and use the code 'Making Risk...
2023-05-0232 minMaking Risk Flow | The Future of InsuranceDriving Change in the London Insurance Market | Sheila Cameron, Lloyd's Market AssociationFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, click here and use the code 'Making Risk Fl...
2023-04-1832 minMaking Risk Flow | The Future of InsuranceRisk Selection Consistency: Empowering Underwriters with the Help of Data | Mandy Hunt, RSAFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, click here an...
2023-04-0434 minMaking Risk Flow | The Future of InsuranceExploring Mobility, AI, and a Connected World in the Insurance Industry | Ben Luckett, AvivaFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 i...
2023-03-2130 minMaking Risk Flow | The Future of InsuranceImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody'sFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, click here and us...
2023-03-0736 minMaking Risk Flow | The Future of InsuranceWhat Everyone’s Talking About in Insurance | Matthew Grant, InsTechFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, click here and use the co...
2023-02-2133 minMaking Risk Flow | The Future of InsuranceAllianz Transformation Focus: Risk Prioritisation and Same Day Turnaround Time | Jason Howes and Jonathon Gray, AllianzFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a cu...
2023-02-0735 minMaking Risk Flow | The Future of InsuranceA Guide to Understanding the Data Challenges in Reinsurance | Paolo Cuomo, Gallagher ReFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our pr...
2023-01-2433 minMaking Risk Flow | The Future of Insurance4 Key Areas of Data Automation to Fuel Broker Growth | Philippe Lutgen, Howden BrokingFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests in...
2023-01-1031 minMaking Risk Flow | The Future of Insurance20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaFan 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, 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.To receive a custom demo from Cytora, click here and use the...
2022-12-1326 minMaking Risk Flow | The Future of InsuranceDigital-first operating models in mid-market commercial to enhance broker and client experience | Simon McGinn, Allianz, and Richard Coleman, EcclesiasticalFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 coming from two contrasting insurers, in terms of scale, Juan asks the guests how their companies are approaching digital transformation, what avenues they are prioritising, and any vital lessons they’ve learned throughout the process.To r...
2022-11-2929 minMaking Risk Flow | The Future of InsuranceHiscox: The Story of How They Cracked Underwriting Small Business | Steven Wilkins, HiscoxFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our pr...
2022-11-2226 minMaking Risk Flow | The Future of InsuranceDriving Profitable Growth Through Digital Risk Flows in Cyber Underwriting | Roman Itskovich, At-Bay, and Jay Rajendra, ArchFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, cl...
2022-11-0825 minMaking Risk Flow | The Future of InsuranceThe Role of Culture, Digitisation, and Embedded Insurance in the Evolution of Underwriting | Thierry Daucourt, AXAFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.comTo receive a custom demo from Cy...
2022-10-2531 minMaking Risk Flow | The Future of InsuranceVirtual Panel Debate | Flexible, Digital, and Embedded: The Future Of SMEs | Helen Troman, Chubb, and Ian Fantozzi, BeazleyFan 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, 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...
2022-10-1831 minMaking Risk Flow | The Future of InsuranceDeploying digital risk flows: a how-to guide | Matt Churchill, CytoraFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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/Instructions on how to rate and review Making Risk Flow...
2022-09-2031 minMaking Risk Flow | The Future of InsuranceView from the board - 3 aspects that differentiate leaders from laggardsFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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/
2022-09-0630 minMaking Risk Flow | The Future of InsuranceHow using data is improving insurance servicesFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.comTo 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 In...
2022-08-0913 minMaking Risk Flow | The Future of InsuranceLive Edition: Digital first operating models with Markel and BeazleyFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, click here and us...
2022-07-2625 minMaking Risk Flow | The Future of InsuranceAnalysis of full submission inflow to power appetite expansionFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.comTo 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 Mc...
2022-07-1229 minMaking Risk Flow | The Future of InsuranceBeazley Digital - the path to 80% Straight Through ProcessingFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.comTo 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...
2022-06-2820 minMaking Risk Flow | The Future of InsuranceHow the desire to provide better service to brokers impacts digitisationFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.comTo receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Ou...
2022-06-0715 minMaking Risk Flow | The Future of InsuranceNext generation of underwriters - equipped with data, technology and analyticsFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.comTo receive a custom demo from Cytora, click here and use the code 'Making Risk Fl...
2022-05-1026 minMaking Risk Flow | The Future of InsuranceMarkel: Turbocharging growth through productivity - breaking the cost/growth linkFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.comTo receive a c...
2022-04-2519 minMaking Risk Flow | The Future of Insurance3 key sources of data to fuel superior risk selectionFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.
2022-04-0135 minMaking Risk Flow | The Future of InsuranceThe 3 steps to deploy digital risk flows for new business - deep diveFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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 evalu...
2022-03-1529 minMaking Risk Flow | The Future of InsuranceBenefits of digital risk flows - Executive view with Kelly LylesFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Ma...
2022-03-0118 min
Making Risk Flow | The Future of InsuranceTime for an Industrial Revolution in InsuranceFan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.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
2022-02-1115 min
Cytora BlogcastIs incumbents vs disruptors the wrong debate in insurance?There has been much debate in recent years about the winners and losers in commercial insurance - which was the topic of debate at the latest TLA insurtech working group.
Here, we recap learnings about the changes in commercial insurance today, where to find the real potential for disruption, and how innovators are engaging with incumbents to change existing business models.
You can read Juan's blog in full on the Cytora website.
2021-04-0706 min
Cytora BlogcastWhy time and choice are key to employee wellnessAt Cytora, we spent some time understanding how to ensure people have the best possible opportunity to practice self-care and focus on their own mental and physical wellbeing in today's new world of work.
We share our learnings with you in the latest blogcast.
You can read Holly's original blog in full on the Cytora website.
2021-03-3105 min
Cytora BlogcastWomen in insurance: a discussion on diversityTo coincide with this year's International Women's Day, Cytora's Kyrsten McCartney spoke to Insurance Times about diversity and inclusion in insurance.
Here, she tells us why a diverse workforce is so important in the industry and outlines how insurers can actively support people from different backgrounds to drive a more relevant and effective output.
You can read Kyrsten's blog in full on the Cytora website.
2021-03-2502 min
Cytora BlogcastGetting savvy with digital platforms as commercial insurance prices increaseAs we closed out 2020, global commercial insurers saw yet another round of price increases, according to reports from Marsh and WTW. And the findings reveal more fundamental issues being faced by the market today.
Cytora's Richard Hartley explains how in today's environment, smart insurers can generate a significant volume of profitable new business by using platforms to digitise submissions and renewals.
You can read Richard's blog in full on the Cytora website.
2021-03-1903 min
Cytora BlogcastOne year on: Remote-first foreverThere's a great irony that for all the flexibility that remote working has given us, many people around the world have been unable to leave the house due to Lockdown.
But that hasn’t stopped us from seeing the benefits that remote work brings and learning from our experiences so far.
Cytora's Tom Coward explains why we made the permanent move to remote-first, the impact we've seen to date and learnings from implementation so far.
You can read Tom's blog in full on the Cytora website.
2021-03-1106 min
Cytora BlogcastWelcoming Thomas Huerlimann to Cytora’s advisory boardThomas Huerlimann is one of the most influential names in global (re)insurance and technology today. That’s why we’re delighted to announce that Thomas is joining Cytora’s advisory board, bringing 30 years of experience to support us with our ambitious growth plans.
With such depth of experience, we asked Thomas to explain where the opportunity lies for commercial insurers today. Hint: it’s all about the customer.
Listen to the blogcast or read the blog in full on the Cytora website.
2021-03-0302 min
Cytora BlogcastThe automation game: three experts explain how to make underwriting profits soar.Cytora's Juan de Castro spoke on a recent event on how to accelerate underwriting profitability through automation, alongside experts from Prudential International and Liberty Mutual Insurance.
Here, we share key takeaways from that panel, with insights across large commercial, mid-market and life/health insurance.
You can read Juan's blog in full on the Cytora website.
2021-02-2610 min
Cytora BlogcastDoes the digital streaming of risk really solve the underwriting productivity problem?Today, insurance faces an agonising productivity problem, and we don’t seem to be getting any closer to solving it. Operational costs continue to rise, the industry as a whole is in the red by average economic profit, and overall productivity hasn’t increased in the last ten years.
But what if there was a way for insurers to increase the number of profitable policies bound, without having to add any additional underwriting capacity?
The good news is, it’s not just speculation. It’s now possible using technology that can digitally stream risk. Cytora's Max Pepe explains all in o...
2021-02-1807 min
Cytora BlogcastFive things we learnt about digital innovation in commercial lines this weekKnowledge is power. Information is beautiful. And commercial insurance is ripe for transformation.
These three aphorisms can all be applied to recent research from Intelligent Insurer, which surveyed 300+ commercial insurers to see which technologies they are investing in, which functional areas are most impacted by tech, and which lines of business stand to benefit most.
Here, we outline our top five findings from the research.
You can read the blog in full and download the infographic on the Cytora website.
2021-02-1107 min
Cytora BlogcastMeet Kelly Lyles: Insurance leader and the newest member of Cytora's advisory boardIt’s often said that when we surround ourselves with great people, they challenge us to be our best selves. We’re delighted to be welcoming one of these great people to Cytora, as Kelly Lyles - former Chief Executive, Client and Country Management at AXA XL - becomes the newest member of our advisory board.
We had the pleasure of speaking to Kelly about her career to date, the challenges facing underwriting teams and CUOs today, along with the impact of technology across the insurance value chain.
You can also read the Q&A on the Cytora webs
2021-02-0311 min
Cytora BlogcastPart three: What are insurance experts predicting for 2021?Welcome to the third and final piece in our industry predictions series for 2021.
In previous posts, you heard from ten experts about what the future holds for insurance in the coming year. In this third part, five more experts tell us what’s to come this year in insurance and technology, with contributions from:
Thomas Huerlimann, Non-executive Director at Hiscox, former CEO of Zurich Global Corporate
Richard Hartley, CEO, Cytora
John Andrews, former Head of Delegated Authority & MGA Underwriting, Dale Underwriting Partners, former Head of Property, Arch Insurance
Matthew Grant, Partner, Instech London
Kelly Lyles, former Ch...
2021-01-2608 min
Cytora BlogcastPart one: What are insurance experts predicting for 2021?As we move into a new calendar year, it’s normal procedure to reflect on the previous twelve months and anticipate how industries and technologies will evolve in the coming year.
But the year 2020 was unlike any other. And normal procedures no longer apply.
So what do the experts believe the future holds for insurance? We’ve asked five industry pros for their views on what’s to come in 2021 and beyond. In the first blogcast of the series, we hear from:
James York, Co-Chair, Insurtech UK
Paolo Cuomo, Director of Operations, Brit Insurance
Adrian Brown, former COO at...
2021-01-1308 min
Cytora BlogcastBuilding a bionic underwriting team: it’s no longer science fictionMore so than ever, productivity and growth are well and truly under the microscope in insurance.
With employees all over the world now working remotely, important questions have emerged among leadership teams around how to maintain pre-pandemic levels of productivity - and how to win in an increasingly competitive market.
In a recent Insurtech Insights webinar, Cytora's Juan de Castro explored this in detail alongside experts from AIG and Descartes Underwriting. By implementing AI and building a bionic team today, you could gift underwriters the capacity to focus on the tasks that can drive real value and set insurers...
2020-12-2308 min
Cytora BlogcastDoes your CRM hold the secret to underwriting profitability?Customer Relationship Management systems are commonplace in insurance. And according to Cytora's Emma McGovern, they are an excellent source of untapped growth.
Emma explains how insurers can use CRMs to process and prioritise high value opportunities, while flagging opportunities that are out of appetite, or deemed lower value based on underwriting strategy.
You can read Emma's blog in full on the Cytora website.
2020-12-1606 min
Cytora BlogcastThree ways to capture opportunities in a hardening marketWith the emergence of a hard market this year, insurers need to capitalise on the superior returns available. That means winning and retaining business, while building a portfolio that creates real value for their company.
But today underwriters only get to spend a minority of their time really driving this forward. And as a result, there’s never been a more important time for insurers to take action and enable their underwriters to reach their full potential.
Cytora's Dan McNally outlines three ways underwriters can win more valuable business and make better decisions to maximise today's market.
You can read Da...
2020-12-0808 min
Cytora BlogcastHow to win more business by prioritising broker submissionsAccording to Cytora's Andrea Camacho, your underwriting teams are currently leaving over 20% of premium on the table - and you probably don’t even know it.
In this blogcast, we hear about the 'prioritisation paradox', and how prioritising submissions can instantly increase an insurer's premium, profit and client lifetime value.
You can read Andrea's blog in full on the Cytora website.
2020-12-0205 min
Cytora BlogcastMore data equals more profit in insurance: true or false?Does data equal more profit in insurance? That's the question in today's blogcast, being answered by Cytora's Matthew Churchill. He explains how augmented underwriting processes can make insurers more effective, more profitable and more prepared for the future.
You can read Matthew's blog in full on the Cytora website.
2020-11-2005 min
Cytora BlogcastAugment, filter, prioritise: the pillars of binding more profitable premiumAugment, Filter and Prioritise are technology-powered operations that insurers run on their risk intake ahead of any scarce underwriting time being expended.
In this blogcast, Cytora CEO Richard Hartley explains how insurers can use these three pillars to improve the cost of driving growth, and increase the ratio of profitable risks bound without adding additional expenses.
You can read Richard's original blog in full on the Cytora website.
2020-11-1607 min
Cytora BlogcastIs it really possible to achieve both top and bottom line targets in underwriting?In this blogcast, we explore the underwriter paradox: To protect the bottom line, underwriters need to spend time analysing every risk, which hinders their ability to drive top-line growth.
Cytora’s Juan de Castro believes we should stop asking underwriters to work in this factory-like way. He explains how, by overcoming this, insurers can achieve both top line growth and bottom line profitability.
You can read Juan's original blog in full on the Cytora website.
2020-11-1105 min