FSU Research Examines How Insurers Adapt After Catastrophic Disasters

Professors Patricia Born and Dana Telljohann discuss a Florida State University study on how insurers adjust coverage, filings, and regulatory engagement in response to severe natural disasters, highlighting implications for market stability, policyholders, and the evolving risks of climate change

Anna Tan, head of wholesale casualty, Axis Capital, said persistent loss pressures, evolving AI-driven operations and deepening broker specialization are reshaping casualty insurance.

Johnson Lambert’s Chief Innovation Officer Dave Fuge explained how insurers can strengthen data quality, redesign workflows, and balance innovation with governance to fully harness the power of AI.

Vineet Bansal, chief Information and technology officer, The Mutual Group, said mutual insurers can still gain a competitive edge with AI if they focus first on strong core systems, quality data and trust-centered implementation.

Dave Sterner, senior vice president, research & development, ACORD, said top-performing specialty insurers excel through data-driven decision-making, strong distribution partnerships and incremental innovation.

Craig Martin, executive director, insurance intelligence, J.D. Power, discusses findings from a 2025 Independent Agent Satisfaction Study showing despite an improving market, many agents feel underserved by carriers, citing poor communication, unclear risk appetites and a lack of partnership.

In the latest edition of his book “Inside the Insurance Industry,” Risk and Insurance Services Consulting President Kevin Glaser discusses how data, AI and shifting risks are transforming insurance and reshaping how insurers serve customers.

Brendan Zyvoloski, manager of P&C content and Jamie Nelson, senior director, both of Zywave, discuss findings from the 2025 Broker Services Survey, highlighting how brokers must move beyond transactions to become trusted advisers through proactive communication, tailored risk management, and data-driven client support.

Ben Tucker, CEO, Munich Re Specialty Global Markets in North America, discusses expanding marine and cyber business lines, the evolving underwriting landscape, and how emerging technologies like AI are reshaping risk and opportunity.

Stephen Buonpane, president, Everest Evolution, explains that innovation, AI adoption and talent development are critical for excess & surplus insurers seeking to thrive amid social inflation, complex risks and rapid market change.