AI in underwriting is moving from experiment to operating advantage. A small group of carriers is pulling ahead — not by buying more technology, but by changing how decisions get made.
Join Chris Bannocks (Elixirr) and Richard Gunn (hyperexponential) for a live session built for underwriting and operations leaders at US specialty and commercial carriers.
Why now
Combined ratios are tight. Renewal cycles are getting faster. And a small number of carriers are starting to make decisions in days that used to take weeks.
They are not winning because they bought more AI. They are winning because they changed which decisions get made by whom, with what data, and on what cadence.
Carriers waiting for AI to mature are losing business they will never see. The submissions never make it to their desks. The brokers never quote them. Combined ratio holds, until the book stops growing and the gap shows up in the wrong column.
This session is about what the AI-native carriers actually did at the operating-model level, and the two underwriting decisions any carrier can redesign first.
What you will leave with
A real picture of the cost of slow decisions. Where deals are leaking upstream, and how that pressure shows up in combined ratio six to twelve months later.
What the AI-native carriers changed. It is not the tech stack. It is who owns the decision, what data they see, and how the feedback loop closes. We will walk through the operating-model differences carriers are quietly testing in 2026.
The two underwriting decisions to redesign first. Concrete starting points. Not a transformation roadmap, not a build-vs-buy debate. Two decisions you can scope before your next planning cycle.
Format
45-minute live session with Chris and Richard
Live Q&A from the audience
No slideware-heavy pitch. This is an operator conversation.
