Podcasts about Hiscox

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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 explains why annual climate model updates can create misleading conclusions, how vegetation and soil dynamics reshape wildfire risk, and why relying on single-source data leaves carriers exposed to blind spots. The conversation also examines the role of AI and large language models in processing complex climate datasets, emphasising that technology should enhance, not replace, human judgment. Joan outlines a practical framework for combining historical data, future climate projections, alternative statistical models, and socioeconomic context to generate more accurate, explainable, and actionable climate risk intelligence. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In insurance we usually spend a lot more time talking about innovation than we end up doing it. So this podcast focuses on two of the do-ers putting innovation into practice. It's now ten years since Hiscox launched its market-first, tech-enabled, live quote and bind FloodPlus product and this Episode examines the story of that product's development and its growth into a market opportunity that was primed for expansion. To guide me through the story I am joined by James Brady, Property Divisional Director at Hiscox London Market & Tom King, the firm's Flood Line Underwriter. This is a story about overcoming obstacles, recovering from setbacks and constant iteration. Ten years on and Hiscox is the biggest flood market in Lloyd's and the opportunity to write flood from the private market is only growing. Indeed since we completed this recording the Trump Administration's Council to Assess the Federal Emergency Management Agency (FEMA), which runs the National Flood Insurance Program (NFIP) has just issued its final report, recommending the implementation of risk-based pricing and a take-out program to incentivise the transfer of policies to the private market. With US market penetration still at only 4% the prize for the private market is as big as any other underwriting opportunity out there today. Tom and James are sparkling guests and this podcast is an inspiring celebration of innovation in action that has applications way beyond the highly specific field of US flood. NOTES: The President's Council to Assess the Federal Emergency Management Agency (FEMA) report can be found here. The part relating to Flood is on Page 11. LINKS: We thank our naming sponsor AdvantageGo, now part of Sapiens: https://www.advantagego.com

Dans cet épisode, je reçois le Dr Denys, médecin et auteur de deux livres sur le biohacking et la longévité (Biohacking, Eyrolles / Prenez soin de votre longévité, Larousse), explique pourquoi la génétique ne compte que pour 50 % de notre santé — et pourquoi le reste se joue dans nos habitudes : sommeil, chronotypes, mouvement, alimentation, bilans réguliers.Au programme :∙ La génétique charge le flingue, l'épigénétique tire sur la gâchette∙ Les 4 chronotypes (ours, dauphin, loup, lion) et comment trouver son pic de performance∙ La sédentarité, "le nouveau tabac" — et le rituel simple pour la contrer∙ Les bilans à faire tous les 6 mois (et pourquoi il ne faut pas copier Brian Johnson)∙ Vers une santé personnalisée : pharmacogénétique et fin du "one size fits all"MERCI HISCOXQuand on est indépendant, une erreur, un oubli ou un client mécontent peut devenir une ruine. Hiscox est l'assureur spécialiste des indés et des TPE depuis +30 ans.Dommages causés chez le clientFautes professionnellesManquements contractuelsSouscription simple et rapide, 100 % en ligne : https://linktw.in/GitsRd

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 systems oversimplify complex climate realities, making them unsuitable for underwriting decisions. He explores the value of probabilistic climate modeling, AI-powered analysis, and uncertainty quantification in assessing evolving risks. The conversation also examines changing reinsurance dynamics, which are pushing more climate-related exposure onto commercial insurers. Joan discusses the importance of validating climate models through measurable accuracy and transparency, while highlighting how outdated scenario assumptions can distort risk assessments. Together, they show how embracing data complexity can create a meaningful competitive advantage in modern insurance underwriting. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

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 beyond broad regional assumptions towards plot-level intelligence that enables faster underwriting, more accurate pricing, and entirely new insurance products. The conversation explores how insurers can use near-real-time agricultural and climate data to reduce claims exposure, improve operational efficiency, and respond proactively to supply chain volatility. Caroline also shares practical guidance on structuring complex datasets for different business stakeholders, building scalable partnerships, and validating new solutions through low-risk pilots. This episode offers valuable insight into how data-driven underwriting is creating a competitive advantage across commercial insurance markets. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Episode Info Chris is a business-facing CIO and CTO level technology leader with over 10 years in London Market environments and 25+ years across insurance. He is typically brought in to reset technology functions, lead complex regulated transformation, and help businesses use data, automation and AI to improve control, decision making and pace of delivery. His experience spans carriers, syndicates, delegated operations, underwriting, claims and claims services, combining cloud and infrastructure oversight, architecture governance, modern engineering and operating model change. Chris has held executive roles at Ki Insurance, Crawford & Company, Hiscox, QIC and Capco, where he has built and reshaped technology functions, modernised core systems, led carve outs and integrations, and improved resilience, insight and execution across multi-country operations. He is strongest in high pressure environments that require commercial grip, disciplined delivery and visible executive leadership, helping businesses apply AI with purpose to simplify operations, strengthen performance and move technology teams forward. Episode Overview: Data & Customer Experience: The ongoing need for better data is being addressed by AI, enabling more personalized customer experiences that cater to different needs and preferences. AI's Practical Applications: AI is being used for advanced data analysis, claim modeling, and improving underwriting accuracy. It assists in processing information faster, enhancing efficiency in areas like claims. AI can work with legacy systems, offering capabilities without immediate costly overhauls. Human-AI Collaboration: AI is seen as a tool to augment human capabilities, not replace them. It aims to reduce mundane tasks, allowing humans to focus on complex issues, empathy, and innovation. The "human in the loop" is still considered vital for oversight and decision-making. Responsible Adoption: Implementing AI requires a strategic, responsible approach that considers the workforce, fosters a positive culture, and drives genuine operational improvements rather than just surface-level changes. Democratizing Technology: AI tools have the potential to benefit businesses of all sizes, including niche and specialized insurers, by enabling custom application development and process optimization. The Road Ahead: While challenges exist, the focus is on embracing AI's potential to create new opportunities, improve productivity, and ensure the industry remains relevant and innovative. The key is a proactive and adaptive mindset. This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

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 expertise, and principled decision-making must work together as a unified competitive advantage. The conversation explores how insurers can localize strategy across international markets, reduce costly operational inefficiencies, and deploy AI to enhance underwriting and claims without losing critical human judgment. Christian also shares why transformational technology initiatives should operate with startup-style urgency, how AI will reshape underwriting roles, and why the insurers that adapt fastest will define the future of specialty insurance. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

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 episode examines why AI leaders are generating dramatically stronger returns than competitors and how technologies like stateful agents, spatial intelligence, and headless orchestration are changing underwriting and distribution.Beyond technology itself, the discussion highlights the cultural shifts required to unlock transformation at scale. From reducing workflow friction to improving underwriting precision and scaling operations without proportional hiring, this episode offers practical frameworks for carriers, brokers, and tech leaders navigating insurance's next era. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

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, whether through spatial intelligence, stateful systems, or agentic workflows, is transforming underwriting from a static, data-driven exercise into a dynamic, decision-driven discipline. But technology alone isn't the answer. Culture, incentives, and human relationships remain critical to unlocking value. Together, these insights reveal an industry shifting from managing risk as a probability to understanding it as a living, evolving system.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Entre des algorithmes saturés et des IA qui savent tout faire sauf ressentir, l'intelligence émotionnelle devient votre avantage compétitif numéro 1.Vos défauts, vos peurs, votre vulnérabilité ? C'est exactement ce que tout le monde viendra chercher.90% de la différence entre les leaders et les autres s'explique par l'intelligence émotionnelle. Pas par leurs diplômes. Pas par leur réseau.Mais par leur capacité à comprendre, gérer et utiliser leurs émotions pour créer une marque personnelle puissante.Accède au récap ici → https://go.carolinemignaux.com/AhVmDPMERCI HISCOXQuand on est indépendant, une erreur, un oubli ou un client mécontent peut devenir une ruine. Hiscox est l'assureur spécialiste des indés et des TPE depuis +30 ans.Dommages causés chez le clientFautes professionnellesManquements contractuelsSouscription simple et rapide, 100 % en ligne :Devis gratuit ici : https://linktw.in/GitsRd

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 workflows turn it into a competitive advantage. Pierre-Henri explains how connecting directly to official registries improves data accuracy, how vertical AI enhances document extraction, and why prioritizing high-impact signals prevents data overload.The conversation also explores the build-versus-buy dilemma, the complexity of scaling across jurisdictions, and how orchestrating best-in-class solutions accelerates onboarding and improves conversion. It's a pragmatic look at how insurers can transform compliance into measurable business value.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

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 enables carriers to redesign processes around real-time data orchestration. Bryan explains why implementation can shrink from years to weeks, how orchestration replaces brittle workbenches, and why design thinking is the unlock for cultural change. The conversation also explores the shifting role of underwriters and claims professionals, from data processors to strategic advisors. It's a clear-eyed look at how insurers can build adaptive, future-ready operations without wholesale system replacement today.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

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 underwriting and continuously monitor exposure post-binding. The conversation also highlights the value of proactive threat notifications in reducing claims and strengthening client trust. Jay and Jake also explore how AI and automation enhance, not replace, analysts, and why the most successful insurers are shifting from a profit-centric mindset to a partnership-driven approach focused on prevention, resilience, and long-term value creation.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

With a background in media production, Joshua Lipkin, like many people in the media space, found himself freelancing. When he landed a large contract, he decided it was time to found GreyLee Creative, a full-service production and post-production company that focuses on crafting high-quality visual content that captivates and engages audiences. Sanjay and Joshua discuss Joshua's transition from freelancer to business owner, finding your niche in the business, and starting Atlanta's Editor Collective, a community of over 800 editors.   Takeaways: When to transition from freelance to business owner Why you should build a networking community Determining what to focus on when growing your business The importance of relationships in growing your business   Chapters  00:00 Introduction and background 5:50 Shifting from freelancer to founder 11:08 Starting Atlanta Editors Collective 18:35 Advice for other entrepreneurs 21:15 Closing and contact   Find out more about Joshua and GreyLee Creative at https://www.greyleecreative.com/   At Hiscox, we believe in supporting entrepreneurs who bring bold ideas and strong communities to life. Explore resources and coverage options to help protect and grow your business at Hiscox.com.   #mediaproduction #creativeservices #freelancing

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 their edge. From reducing operating costs to enhancing onboarding and preserving institutional knowledge, AI emerges as a powerful enabler rather than a threat. The conversation also highlights the structural advantages of the broker channel, including regulatory accountability and E&O risk, which AI cannot easily replicate. For brokers and investors alike, this episode offers a clear, tactical playbook for thriving in a rapidly evolving insurance landscape.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

On this episode of the Insurance Coffee House, Nick Hoadley is joined by Beth Boucher, an experienced independent director with a portfolio spanning Hiscox, Coforge, and Specialty Insurance. Beth brings over 30 years of experience across technology, insurance, and business transformation, with a career built around using technology to drive operational change and growth.Beth shares how she transitioned from a full-time executive career into a portfolio of board roles, advisory work, and fractional CIO positions. She explains why that shift happened after COVID, how she approached building a board career intentionally, and what she learned early on about the difference between operating roles and governance.The conversation explores how to secure a first board role, including the importance of signalling your transition clearly to your network and recruiters, repositioning your profile, and being deliberate about the type of roles you pursue. Beth also shares her experience of board certification, why she chose to do it before securing her first role, and how it helped her understand the responsibilities and expectations of a non-executive director.Nick and Beth discuss the realities of board work, including onboarding into complex organisations, managing large volumes of board material, and building an understanding of areas outside your core expertise. Beth explains how directors can stay effective by committing to continuous learning, understanding their blind spots, and using the resources available within the board and management team.The episode also explores board dynamics and culture, with Beth emphasising the importance of fit, trust, and open challenge in the boardroom. She highlights why board appointments are always a two-way decision, and how interpersonal dynamics can be just as important as technical expertise.Beyond governance, the conversation looks at corporate social responsibility (CSR) and the role boards play in shaping meaningful impact. Beth shares examples of initiatives focused on education, community access, and environmental programmes, and explains how these efforts support employee engagement, brand reputation, and long-term value creation.The discussion closes with a practical look at cyber risk and technology oversight. Beth outlines the key questions boards should be asking around cybersecurity, including risk appetite, asset protection, resilience planning, and incident response. She also highlights the growing importance of AI and why all board members need a baseline understanding of both cyber and emerging technologies.This episode provides a clear view of how modern board careers are built, how governance expectations are evolving, and what boards need to focus on as technology and risk continue to change.Connect with Beth Boucher on LinkedIn to follow her work across insurance, technology, governance, and board leadership.The Insurance Coffee House Podcast is brought to you by Insurance Search.We are a global Insurance Executive Search Consultancy, supporting Insurance and Insurtech businesses to attract and retain the very best insurance talent.Find out more about showcasing your employer brand as a guest on the Insurance Coffee House Podcast or sign up to our News and Insights.Or follow us on LinkedIn, Twitter or Instagram.Insurance Executive Search Consultants in USA, London and Bermuda.Copyright Insurance Search 2025 - All Rights Reserved.

Gary Mendelson is currently on his seventh career. After working on Broadway, Gary transitioned to retail ownership, before becoming a Massage Therapist and the Founder of The Massage Garage, a full-service massage practice focused on delivering results-driven massages to get you moving again. Sanjay and Gary discuss Gary's theatre background the inspiration for his career, how lessons he learned in the retail space translate into healthcare, and how addiction has molded him into a better person and business owner.   Takeaways: How various backgrounds can inform your current work The importance of wellness in entrepreneurship The importance of education in pain management How a passion for helping others drives work and personal fulfillment   Chapters 00:00 Introduction 9:16 Moving states 12:25 Transferable skills in business 15:49 Advice for other entrepreneurs 17:21 Closing and contact   Learn more about Gary and The Massage Garage at https://themassagegarage.net/    At Hiscox, we believe in supporting entrepreneurs who bring bold ideas and strong communities to life. Explore resources and coverage options to help protect and grow your business at Hiscox.com.    #massagetherapy #entrepreneurship #healthcare

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 decision-making. They explore why risk must be understood as a dynamic system, not a static label, and how embedding context at data ingestion enables faster, more accurate underwriting. From identifying hidden dependencies to avoiding outdated datasets, the conversation reveals how leading insurers are building a durable competitive edge. The takeaway is clear: those who integrate intelligence-driven insights today will outperform, while others risk compounding losses and blind spots.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

What does it really take to build a profitable arcade business from scratch and scale it into a franchise? In this episode of Side Hustle to Small Business, Sanjay sits down with Paul Baillie, Co-Founder of Shift Arcade, to unpack the journey of building a modern arcade brand through bootstrapping, smart growth, and strategic franchising.   Paul shares how Shift Arcade went from a simple idea into a thriving entertainment business, the realities of funding a startup without outside investors, and the lessons learned while preparing to franchise. This conversation is packed with practical insights for entrepreneurs looking to turn passion-driven ideas into scalable businesses.   Topics include: Building an arcade business from the ground up Bootstrapping versus raising capital Creating memorable customer experiences Preparing your business model for franchising   Chapters 00:00 Introduction 2:45 Building Shift Arcade 9:41 Overcoming nerves 12:18 Expanding the business 19:19 Advice for other entrepreneurs 21:02 Closing and contact   Learn more about Shift Arcade at https://shiftarcade.com/   At Hiscox, we believe in supporting entrepreneurs who bring bold ideas and strong communities to life. Explore resources and coverage options to help protect and grow your business at Hiscox.com.   #franchising #bootstrapping #startupjourney

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 digitization has been behavioral, not technical, and how designing for zero workflow disruption drives adoption among brokers. The conversation unpacks how AI agents increase underwriting capacity, improve responsiveness, and enable more consistent risk selection. They also discuss routing submissions intelligently, closing data gaps through enrichment, and freeing underwriters to focus on judgment-based decisions. The result is a more scalable, efficient, and accessible insurance ecosystem powered by always-on automation and intelligent orchestration.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes:The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek MasojadaImplementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

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 insurance portfolios. He outlines practical methods for validating external data providers at scale, including large-volume testing to uncover hidden discrepancies that vendor samples often miss. The conversation also introduces a structured approach for transitioning to more accurate data systems while maintaining internal trust and regulatory confidence. From uncovering edge-case property characteristics to enabling frictionless quote journeys, Jon shows how granular property intelligence can become a powerful competitive advantage for insurers willing to modernize their risk data infrastructure.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

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 impact on distribution, streamlining ACORD processing, claims, and upstream risk transfer, while reinforcing that independent agents remain essential for trust-based advice. As pilots shrink from years to months, speed to impact becomes the new competitive edge. Yet in a digital-first era, they argue that face-to-face interaction still drives the most valuable outcomes. Serendipity, not just software, is what truly keeps risk flowing.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

La timidité, c'est un cercle infernal.En primaire, j'en ai fait des dingueries :Je mettais mon manteau pour aller au tableau. Je tremblais tellement qu'on ne pouvait pas me lire.Et préférais mourir que de jouer de la flûte en impro.J'avais trop peur qu'on me regarde, de trembler, de me tromper.C'est alors que le cercle vicieux s'enclenche :Plus on flippe, plus ça se voit.⤷ Plus ça se voit, plus on flippe, etc.Il y a 4 ans, jamais j'aurais osé mettre « conférencière » sur mon profil.Aujourd'hui ? Je me rends compte Dans cet épisode, je raconte comment j'ai transformé ma plus grande faiblesse, en atout.Accède au récap ici → https://linktw.in/ueBhGsMERCI HISCOXQuand on est indépendant, une erreur, un oubli ou un client mécontent peut devenir une ruine.Hiscox est l'assureur spécialiste des indés et des TPE depuis +30 ans.Dommages causés chez le clientFautes professionnellesManquements contractuelsSouscription simple et rapide, 100 % en ligne !Devis gratuit ici : https://linktw.in/GitsRd

In this episode of Side Hustle to Small Business, Sanjay speaks with Stephanie Lee Jackson, founder of Practical Sanctuary, about how sensory-aware interior design can transform daily life, especially for neurodivergent individuals. Stephanie shares her journey through multiple career shifts and why creating calm, supportive spaces is essential for mental health, productivity, and well-being.   What you'll learn: • What sensory interior design is and who it's for • Practical ways to reduce sensory overwhelm at home and work • Why boundaries are essential for entrepreneurs and creatives • How to navigate multiple career shifts while building a business   Chapters 00:00 Introduction and background 15:35 Balancing multiple businesses 18:30 Writing a book 27:30 Reflecting on the business 29:27 Closing and contact   Learn more about Stephanie and Practical Sanctuary at practicalsanctuary.com   At Hiscox, we believe in supporting entrepreneurs who bring bold ideas and strong communities to life. Explore resources and coverage options to help protect and grow your business at Hiscox.com.   #interiordesign #entrepreneurship #sensorydesign

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 to break through cultural resistance and reframe constraints as opportunities. The conversation explores AI as a bridge between legacy systems and modern analytics, enabling transformation without massive system overhauls. Bryan also examines how misaligned incentives, complacency, and leadership hubris quietly undermine long-term strategy. Ultimately, he makes the case that curiosity, humility, and proactive risk intelligence will define the insurers that thrive in an era of rapid technological change.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Mic Foster is the founder of No Gifts Please, an online registry platform focused on creating meaningful experiences for children, over gift-giving. Mic shares how watching unused toys pile up after his daughters' birthdays sparked the idea for a platform that helps families rethink gifting, reduce waste, and create more meaningful celebrations.   Mic and Sanjay dive into Mic's background as a serial entrepreneur, the lessons learned from multiple startups, and the moment he realized the world didn't need more toys, it needed a better way to give. They also unpack how No Gifts Please survived explosive early growth, the operational challenges that came with scaling fast, and how Mic stayed grounded during intense periods of pressure and uncertainty.   What You'll Learn: How serial entrepreneurship shaped Mic's approach to building No Gifts Please Why solving a personal pain point can unlock powerful business ideas The realities of extreme startup growth and how to survive it Lessons in leadership, resilience, and long-term vision   Chapters 00:00 Introduction and background 8:18 Overcoming nerves 14:38 Starting No Gifts Please 23:46 Work-life balance 25:51 Technology and Apps 31:10 Advice for other entrepreneurs 32:08 Closing and contact   Learn more about Mic and No Gifts Please at https://nogiftsplease.com/   At Hiscox, we believe in supporting entrepreneurs who bring bold ideas and strong communities to life. Explore resources and coverage options to help protect and grow your business at Hiscox.com.   #startupgrowth #founderstory #smallbusiness

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-performing team starts with shared values, how blending insurance expertise with external digital talent accelerates innovation, and why cloud-native, API-driven architecture is essential for real-time decision-making. He also explains how to shift boards from traditional ROI forecasts to agile, outcome-based governance. It's a candid conversation about resilience, leadership under pressure, and why staying smaller, more agile, and hence, faster can be a lasting competitive advantage.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

What does it really take to turn a food truck into a franchise? In this episode of Side Hustle to Small Business, Chris Brady, co-founder of Timber Pizza, shares how he and his partner grew their business from making pizza out of a 1967 Chevy to operating a restaurant brand with multiple franchised locations across the United States.   Chris walks through the early scrappy days of the business, the moment they realized Timber Pizza could scale, and the practical realities of building a franchise system from scratch. This conversation goes deep on what founders often underestimate about franchising, how to protect brand quality as you grow, and what needs to be in place before expanding beyond a single location.   What you'll learn: • How Timber Pizza evolved from a mobile operation to a franchise model • The systems and processes needed before franchising • Common mistakes founders make when scaling too quickly • How to maintain brand consistency across multiple locations • What Chris would do differently if he were starting again   Chapters  00:00 Introduction and Background 9:32 Franchising the business 28:13 Health and Wellness 29:17 Advice for other entrepreneurs 31:46 Closing and contact   Learn more about Timber Pizza at timberpizza.com.     At Hiscox, we believe in supporting entrepreneurs who bring bold ideas and strong communities to life. Explore resources and coverage options to help protect and grow your business at Hiscox.com.   #smallbusiness #franchising #foodbusiness

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. From tenant risk and household composition to commodity-linked replacement costs and behavioural indicators, Greg and John explain how richer inputs create sharper risk selection and pricing accuracy. The conversation also highlights portfolio optimisation as a powerful growth lever, identifying leakage, misclassified exposures, and cross-sell opportunities already within the book. It's a practical discussion on engineering discipline in analytics and building a 360-degree view of risk to unlock measurable competitive advantage.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Today's podcast is a first for the Voice of Insurance as this is the first time I have had an interview with a sitting Lady Mayor of London. Sue Langley or, the Right Honourable, the Lady Mayor, Dame Susan Langley, DBE, to give her her full and formal title, has worked in the insurance industry for 28 years, with senior roles at Hiscox, within the Corporation of Lloyd's and latterly as Chair of the board of Gallagher UK. I have known her for over 20 of those years and throughout that time she has always been strong, direct, completely straightforward and down to earth. So that's why it was such a pleasure to meet her in her incredibly high-profile, but often misunderstood 800-year-old role. Many of us might go our whole careers working in the City of London but remaining almost wholly ignorant of the workings of some of its most longstanding institutions. So our talk demystifies what the Lord or Lady Mayor position means in 2026 and reveals how Sue discovered the path to becoming its 697th incumbent. Ostensibly an apolitical role, nonetheless the modern Mayoralty has tremendous soft influence in the corridors of power, and as the UK's effective ambassador for Financial and Professional Services, Sue gets to travel the globe representing all of us. In this podcast we will learn what's on top of Sue's agenda for her year in post and I am sure what she says will give all the insurance practitioners listening plenty of good cheer. I am also pleased to report that holding this great office hasn't changed Sue in the slightest, in fact it is Sue who is doing a lot to make the role more relatable and relevant to our times. Sue is also a physical representation of how the past decade has witnessed the Insurance sector stand up and be counted and start to take its rightful place in the Civic affairs of the City and country in which it trades. Sue certainly won't be the last Lord or Lady Mayor to be sourced from within the Insurance community and we should take a lot of encouragement from this. So listen on to what is a really informal, enjoyable and enlightening discussion. NOTES & LINKS: More information on Sterling 20 can be found here: https://www.gov.uk/government/news/britains-biggest-pension-funds-back-regional-growth-drive And you can get involved in the Lord Mayor's Appeal here: https://www.thelordmayorsappeal.org/ We thank our naming sponsor AdvantageGo: https://www.advantagego.com

Sur 500 épisodes...Voici ce que je n'ai jamais dit :Marketing Square ⚡️ Podcast fête ses 3 ans (et demi, comme les enfants)...Et je suis toujours là.Mais ce n'est PAS grâce à l'algorithme, à la chance ou à ma mère qui les écoute presque tous..Non, 90% des Podcasteurs s'arrêtent avant l'épisode 3. Je sais très bien pourquoi...Pour fêter le 500ème, j'ai tout ouvert :☑ Comment attirer via vos épisodes ?☑ La boucle de distribution que j'utilise☑ Mes techniques rusées pour monétiserVoici mon histoire, loin des clichés !Accède au récap ici → https://linktw.in/QcXzhnMERCI HISCOXQuand on est indépendant, une erreur, un oubli ou un client mécontent peut devenir une ruine. Hiscox est l'assureur spécialiste des indés et des TPE depuis +30 ans.Dommages causés chez le clientFautes professionnellesManquements contractuelsSouscription simple et rapide, 100 % en ligne !Devis gratuit ici : https://linktw.in/GitsRd

In this episode, Sanjay speaks with Greg Cantori, founder of Little Deeds Accessibility Solutions, about how his background in the nonprofit sector led him into the construction space, and ultimately to building a growing accessibility-focused business.   Greg shares how years of working in nonprofits shaped his understanding of impact, why accessibility for older adults is both a social need and a business opportunity, and how simple home modifications, like installing shower grab bars, can dramatically improve quality of life.   What you'll learn: • How nonprofit experience can translate into strong entrepreneurial skills • Why accessibility is an increasingly important (and underserved) market • How to move from service work to a scalable business model • What it takes to expand a local business into a national service • How purpose and profitability can coexist     Chapters  00:00 Introduction 4:02 Building Little Deeds 8:51 Scaling revenue 16:30 Moving internationally while running a business 27:16 Reflecting on the business 29:22 Advice for other entrepreneurs 30:44 Closing and contact   Learn more about Little Deeds Accessibility Solutions at littledeeds.com   At Hiscox, we believe in supporting entrepreneurs who bring bold ideas and strong communities to life. Explore resources and coverage options to help protect and grow your business at Hiscox.com.   #entrepreneurship #accessibility #nonprofit

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 agents, brokers, and carriers. Richard breaks down how agentic AI is reshaping underwriting, why risk data must be treated as dynamic rather than static, and how channel-agnostic operating models unlock scale. The conversation offers practical insights on automation, buy-vs-build decisions, and what risk digitization will demand in 2026.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this episode, Marisol Colette, founder of Sol Reflections, shares how she combined two seemingly different passions, therapy and fashion styling, into a single, transformative business. Tune in as Sanjay and Marisol discuss how she approached pricing her services, what it took to hire a full-time employee for the first time, and how she built a model that supports both personal expression and emotional wellbeing.   Whether you're growing a service-based business or trying to merge multiple passions into one career, this conversation offers practical insight and honest reflection.   What you'll learn: • How Marisol combined therapy and fashion into one aligned business • How she approached pricing when her services evolved • What founders should know before hiring their first full-time employee • The mindset shifts that help creatives build sustainable businesses • How personal identity and entrepreneurship connect   Chapters: 00:00 Introduction and background 5:30 Starting the business 13:53 Maintaining multiple businesses 20:12 Overcoming nerves 21:50 Hiring 24:55 Balancing work and life 28:35 Advice for other entrepreneurs 30:17 Reflecting on the business 31:49 Closing and contact   Learn more about Marisol Colette and Sol Reflections: solreflection.com      #entrepreneurship #smallbusiness #womeninbusiness    At Hiscox, we believe in supporting entrepreneurs who bring bold ideas and strong communities to life. Explore resources and coverage options to help protect and grow your business at Hiscox.com.

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 conversation also explores why model transparency and rigorous validation are essential as AI adoption accelerates, and how insurers can scale advanced weather simulation without sacrificing accuracy. Dave also shares practical guidance on integrating best-in-class AI tools into existing risk platforms, rather than building everything from scratch  in-house. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Rachel Lundberg is the founder of Thrive Yoga and Wellness in Oregon City, Oregon, a wellness center that aims to reconnect and nourish your body and mind. Rachel and Sanjay discuss her early journey into yoga, her approach to building a supportive and inclusive studio environment, and why community connection is essential for long-term success in the wellness industry.   What you'll learn: • How Rachel transitioned into ownership at Thrive Yoga and Wellness • Why community plays a central role in wellness-based businesses • How early personal experiences can shape an entrepreneurial path • Practical lessons for growing a mission-driven yoga or wellness studio   Chapters: 00:00 Introduction 2:18 Buying an existing business 8:15 Rachel's yoga background 10:43 Shifting roles 18:09 Successes and failures 23:57 Exercise and wellness 26:16 Reflecting on the business 27:58 Closing and contact   Learn more about Rachel and Thrive Yoga and Wellness here:  https://www.thriveyogaoc.com/       #smallbusinesss #yoga #hiscoxbusiness   At Hiscox, we believe in supporting entrepreneurs who bring bold ideas and strong communities to life. Explore resources and coverage options to help protect and grow your business at Hiscox.com.

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 accurately and reduce loss volatility. The conversation explores how machine learning fills critical data gaps for perils like hail and landslides, why climate forecasts must align with policy durations rather than long-term averages, and how transparency and validation build trust in predictive models. The episode offers practical insights into using data-driven climate risk assessment as a competitive advantage for underwriters, MGAs, and portfolio managers. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

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 facilities, MGAs, and alternative distribution means for competitive differentiation. The conversation cuts through the AI hype, outlining a pragmatic buy-versus-build framework and the real cost of “POC purgatory”. Antonio also reframes relationship-based service for 2026, arguing that speed, clarity, and decisive underwriting strengthen broker relationships more than manual processes; especially in a softening market.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

J'ai mis 15 ans à comprendre un truc :Être bon ne suffit plus.Aujourd'hui, il faut être vu.Il faut être crédible.Avant, on admirait les diplômes, les talents, les physiques parfaits.À l'ère de l'IA, ce sont les leaders d'opinion qui émergent.Mais devenir une référence, ce n'est pas poster 3 fois par semaine.C'est un vrai pivot.Un pivot qui oblige à se demander :Qui ai-je vraiment envie d'être dans 1 an ?Dans 3 ans ?Dans 5 ans ?Alors si tu veux devenir incopiable et inclassable, voici mes 5 leçons.MERCI HISCOXQuand on est indépendant, une erreur, un oubli ou un client mécontent peut devenir une ruine. Hiscox est l'assureur spécialiste des indés et des TPE depuis +30 ans.Dommages causés chez le clientFautes professionnellesManquements contractuelsSouscription simple et rapide, 100 % en ligne !Devis gratuit ici : https://linktw.in/GitsRd

In this episode of Making Risk Flow, host Jake Harding speaks with Evgeny Aleksandrov, Founder and CEO of PilotBird, about why claims accuracy, and not speed, is the biggest lever in modern insurance. Evgeny explains how open-source intelligence and lifestyle analytics help insurers validate claims earlier, uncover organised fraud networks, and avoid costly post-payout recovery. The conversation explores how curated data can mislead adjusters, why a “trust and verify” approach is essential, and how early-lifecycle intelligence delivers outsized returns, often 14–56x ROI. They also discuss how better data tools improve adjuster satisfaction and retention, and what insurers must do to responsibly adopt emerging data sources at scale to future-proof their risk infrastructure.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. The series is a collection of our top episodes from this year. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday.In this episode replay, host Juan de Castro sits down 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 company's strategic transformation since 2019, which is focused on streamlining operations and ramping up specialisation in marine, energy, and financial lines. The conversation also covers Hartford's international growth ambitions through Lloyd's syndicate 1221, its approach to serving diverse market segments, and its use of AI and intelligent document processing in underwriting. Carl shares insights on balancing tradition with innovation, underscoring Hartford's values, especially "own it with pace," as the company embraces change and seizes new opportunities in a fast-evolving industry.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. The series is a collection of our top episodes from this year based on views, downloads, and overall engagement. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday.In this episode, host Juan de Castro sits down with Marcus Ryu, former CEO and current strategic adviser at Guidewire Software. Marcus shares his journey from management consulting to co-founding one of the leading software providers for the property and casualty insurance industry. He offers candid insights into the trials and triumphs of entrepreneurship, including pivotal moments such as navigating a competitive lawsuit and transitioning to the public markets.A central aspect of Marcus's story is Guidewire's contrarian belief in the power of vertical solutions. By developing mission-critical software tailored to the specific needs of the P&C insurance sector, Guidewire revolutionized how insurers manage claims, policies, and billing. Now a partner at Battery Ventures, Marcus discusses how his experiences at Guidewire inform his approach to investing in the next generation of startups. From the importance of customer-centricity to leveraging technology to solve real-world problems, this conversation is packed with actionable insights for founders and industry professionals alike.Whether you're revisiting the episode or viewing it for the first time,  this episode offers tactical guidance for actionable insights for founders and industry professionals alike.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday. In this episode, Juan de Castro is joined by his colleagues, Rich Lewis, Cytora's Sales Director, and Zaheer Hooda, Head of North America, for a deep dive into what makes proof-of-concept (POC) initiatives in risk digitisation succeed or fail.Drawing on firsthand experience from working with leading carriers, they break down five essential capabilities insurers need to get right when implementing digitisation initiatives, from extraction accuracy and full-spectrum intake handling to scalable deployment and human-in-the-loop exception management.They also provide a practical, inside look at how insurers structure effective proof of concept processes, including live workshops, data preparation, success metrics, and how to align POC design with measurable business outcomes.Whether you're revisiting the episode or viewing it for the first time,  this episode offers tactical guidance to ensure your technology investments deliver meaningful impact.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this episode of Making Risk Flow, host Jake Harding speaks with Matthew Grant, founder and CEO of Instech and a veteran of 33 years in catastrophe modelling. Matthew unpacks why insurance's cautious approach to AI is more strategic than sceptical. Together, they explore how carriers can align technology adoption with real business problems, build trust in new data sources, and drive operational efficiency without disrupting core workflows. Matthew explains why consistency in user interfaces can mask major capability leaps, how to focus on outcomes rather than perfection in data quality, and why the industry's measured pace reflects deep risk intelligence. The conversation offers insurers a clear roadmap on how a purposeful adoption of AI and cultural innovation can drive a durable competitive advantage.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this special compilation episode of Making Risk Flow, host Juan de Castro revisits conversations with the industry leaders who shaped Season 7. Join Allison Thornicroft, Yaemish Rughoo, Mark Allan, Greg Hendrick, Bilge Mert, Jean-Jacques Henchoz, and Lambros Lambrou to explore why speed and efficiency matter in commercial insurance, how AI and technology are reshaping underwriting workflows, and the key strategies insurers are using to standardize processes and drive real value for clients. Discover how top carriers are accelerating quote-to-bind cycles, modernizing underwriting workflows, and redefining the insurance operating model for real impact.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan 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 Jake Harding speaks with Ross Wirth, Head of Strategic Tech Ecosystem at CyberCube, about why cyber insurance requires a new playbook for risk assessment. Ross explains how traditional underwriting struggles to keep pace with dynamic security environments, and why real-time data visibility is now essential for identifying concentration risk, single points of failure, and systemic exposures like cloud outages. The conversation explores shifting from static applications to continuous monitoring, balancing AI-driven insights with human judgment, and designing underwriting strategies that prioritise prevention over post-incident repair. Whether you're an underwriter, broker, or cyber risk leader, this episode offers practical guidance on using data intelligently while preserving the relationship-driven core of insurance.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan 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 sits down with Mark Allan, CEO of Ki Insurance, to explore how a digital-first, data-led approach is transforming underwriting in the London market. Mark shares how Ki combines algorithmic precision with human expertise to underwrite individual risks at unprecedented speed, while maintaining portfolio-level oversight.This episode explores Ki's mission-driven culture, the challenges of blending technology and insurance talent, and how partnerships with brokers and carriers are amplifying the impact of their platform. From building a billion-dollar business to enabling a more seamless, data-driven flow of risk, Mark explains how Ki is reshaping the ecosystem and setting a new standard for efficiency, collaboration, and innovation in insurance.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.Welcome to a new episode of Making Risk Flow: Exploring the Ecosystem. Our host Jake Harding welcomes Alan Ringvald, CEO and co-founder of Relativity6, to unpack how AI and multi-source data are redefining underwriting. Together, they explore why insurers must move beyond generic AI tools toward workflow-specific solutions that integrate seamlessly into real underwriting environments.Alan shares how intelligent data aggregation can empower underwriters with trusted, actionable insights, without adding complexity, and why automation is now essential to handle rising submission volumes profitably. The conversation highlights a future where AI enhances, rather than replaces, human judgment, creating a true partnership between people and machines. Discover how early adopters of intelligent automation will lead the next era of efficient, insight-driven insurance.To 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 McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Ash Fox is a New York City–based proposal planner and photographer. With a background in fine arts, she began her career taking on freelance commercial photography projects while still in college, which soon opened doors into nightlife and music photography. Everything shifted when she was asked to capture a proposal, an experience that sparked her passion for photographing and also planning unforgettable moments.   Chapters 00:00 Introduction and background 8:03 Proposal tips 15:38 Overcoming nerves 17:55 Marketing your business 20:40 Expanding the business 23:04 Work-life balance 26:41 Reflecting on the business 30:08 Advice for other entrepreneurs 31:22 Closing and contact   Learn more about Ash Fox and her work at https://www.ashfoxproposals.com Side Hustle to Small Business is presented by Hiscox, a leading small business insurer. Learn more at Hiscox.com #Entrepreneurship #SmallBusiness #WeddingBusiness