The Risk Intelligence Gap: How Exposure Data Deficiency Is Reshaping Property Underwriting

About this episode

The episode discusses the risk intelligence gap in property underwriting and its implications for the insurance industry.

The future of property underwriting will not be won by carriers with the most models. It will be won by those with the most decision-grade intelligence. In this episode of Scouting for Growth, Sabine VanderLinden speaks with Anthony Peake, CEO of Intelligent AI, about a problem hiding in plain sight across commercial property insurance: the risk intelligence gap. The conversation is built around one uncomfortable truth. Underwriters are being asked to make portfolio-defining decisions using exposure data that is often incomplete, unverified, outdated, and disconnected from the workflows where decisions actually happen. That matters because the scale is hard to ignore: In the UK, only 7% of properties are adequately characterized in underwriting files, while 93% are insured for the wrong amount. In the US, 90% of commercial buildings carry inadequate coverage, with 68% falling short by 25% or more. Underwriters rate their access to decision-time risk intelligence at just 3-5 out of 10 and spend 50–55% of their working day chasing, checking, and rekeying data rather than applying judgment. Meanwhile, the US P&C industry posted underwriting losses exceeding $20 billion in both 2022…

People in this episode

Host: Sabine VanderLinden

Guest: Anthony Peake

Topics covered

• property underwriting
• risk intelligence
• exposure data
• commercial property insurance
• AI in insurance
• underwriting losses

Keywords

• risk intelligence gap
• property underwriting
• exposure data deficiency
• commercial insurance
• AI automation
• underwriting losses

Mentioned in this episode

Organizations: Intelligent AI

Places: UK, US

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