Podcasts about Inigo

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the importance of validating climate models through measurable accuracy and transparency, while highlighting how outdated scenario assumptions can distort risk assessments.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

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

Send us Fan MailThank GOODNESS they were able to make sure Inigo didn't die. I would have pissed! I would have like, thrown something probably. Dr. Bad has done too much, um.....bad! And now the gang has somehow convinced this crazy scientist man that they're useful to his mission. But, what is his mission exactly? He's seemed to have figured out the void and is interested in Earth, but will the gang be able to keep up the charade for long? How will they find a way back home? Will we ever see Elle again? It's all here in one of the FINAL episodes of season 2 of DUUUUNNNGGGGEEOOONNN RRRAAADDIIIOOOO HHHHOOOUUURR!!!!:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::THIS SHOW IS NSFW AND NSFK (Not safe for kids. sorry kids!)Our DM is Dalton Rusher-RiddleOur Players are Andrew Gehrlein, Michael Adair & Alissa AdairTheme song by Dustin HookSound effects from Zapsplat and PixabayBackground music by Ambientv, freemusiclab on PixabayPlease check out our Instagram, Twitter, TikTok, AND NOW PATREON on our Linktree to keep up with the latest DRH news!Bye for now~:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::Support the show

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

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

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

In March Inside the ICE House aired eight new episodes. Episode 515: PR Newswire President Matt Brown on Reinventing Reach and the NYSE Partnership Episode 516: Radian CEO Rick Thornberry and Inigo's Richard Watson on a Defining Insurance Acquisition Episode 517: Martha Stewart on Business Success, Snoop Dogg's Style, and ScottsMiracle-Gro Markets in Focus: Geopolitical Risk, Oil Price Signals, Energy's Structural Boom Episode 518: Cyera CEO Yotam Segev on Securing Enterprise Data in the Expanding AI Era Episode 519: Bar Rescue's Jon Taffer on Saving Bars, Guiding Owners, and Driving Season 10 Episode 520: ADL CEO Jonathan Greenblatt on Fighting Antisemitism and Impact of the TOV ETF Episode 521: AEM CEO Megan Tanel on How ConExpo/Con-Agg Powers Construction's Growth and Future

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

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

Send us Fan MailNoooooo!!! Inigo's hands??? How could anyone do that to someone? Dr Bad truly is that bad! And possibly Elle is as well? If she is truly in cahoots with Dr Bad? But, then why would there be a pile of feathers laying in the middle of her double crossing quarters? Also, why is Dr Bad just letting them run around freely like this? To toy with them? To make them feel stupid? They don't need his help to feel that! These episodes are really leaving us with more questions than answers, hopefully the gang can solve the clues that a true mystery gang and solve this case! Enjoy another amazing saga in this latest episode of DUUUNNNGGGGEEEOOONNNN RRRRAAAADDDDIIIOOOOO  HHHHOOOOUUUUURRRRR!!!!:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::THIS SHOW IS NSFW AND NSFK (Not safe for kids. sorry kids!)Our DM is Dalton Rusher-RiddleOur Players are Andrew Gehrlein, Michael Adair & Alissa AdairTheme song by Dustin HookSound effects from Zapsplat and PixabayBackground music by Alex Kizenkov, black_kumuzhi, freesoundserver, meditativetiger, and zec53 on PixabayPlease check out our Instagram, Twitter, TikTok, AND NOW PATREON on our Linktree to keep up with the latest DRH news!Bye for now~:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::Support the show

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

Radian Group is expanding beyond mortgage insurance with its acquisition of Inigo, marking a pivotal step toward becoming a diversified global insurer. CEO Rick Thornberry and Inigo CEO Richard Watson go Inside the ICE House to discuss the strategy behind the deal and how it accelerates Radian's entry into specialty insurance markets. They explain how disciplined underwriting, complementary risk profiles, and strong capital positions make the transaction both strategically and financially compelling.

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

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

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

This Week's Panel - ElroyOMJ, InigoMontoya80, FreakyRO   Show Discussion - Time flies by as Inigo discusses his latest struggles in gaming. Freaky and Elroy wing it with some Xbox 360 and RTDL game talk.    Games Mentioned: ElroyOMJ - Dead Rising 3, Asura's Wrath, Boss Rush: Mythology, One Step After Fall, Young Justice: Legacy (Xbox 360), Fable Heroes (Xbox 360), Forza Horizon 2 Presents Fast & Furious InigoMontoya80 - Blood Drive (Xbox 360), Aery – Dreamscape, Aery – Sky Castle, Aery – Calm Mind, Geometry Wars (Xbox 360), Super Bowl LX FreakyRO - Minecraft: Xbox 360 Edition, Anodyne, Stunt Paradise, Retro Classics, Super Bowl LX   ----- AH101 Podcast Show Links - https://tinyurl.com/AH101Links Intro music provided by Exe the Hero. Check out his band Window of Opportunity on Facebook and YouTube

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 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

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

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

Nick is joined by John Granger and special guest star Guido in their temporary headquarters as they await the move to Granger Towers. We discuss the revelation that J. K. Rowling has an inherited blood clotting disorder, and speculate that this could be von Willebrand Disease, and discuss what this could mean for a Golden Thread that John first explored more than five years ago. Nick surveys the instances of blood in all her published work, and John identifies a theme that Nick has missed - the Eucharist. Could this be the key to understanding the final narrative arch of the Strike series?Links Discussed in this Episode:The revelation of J. K. Rowling's condition:https://www.hogwartsprofessor.com/j-k-rowling-and-the-roy-phipps-connection/John discusses the Golden Thread on the Reading Writing Rowling Podcast in 2020.https://audioboom.com/posts/7566531-episode-37-troubled-blood-and-the-faerie-queene-strike-5John Granger's book How Harry Cast his Spell exploring the Christian content and meaning in Harry Potter.https://www.amazon.com/How-Harry-Cast-His-Spell/dp/1414321880John's visit to Denmark Street and St Giles-in-the-Fields in 2016.https://web.archive.org/web/20171130161236/https://www.hogwartsprofessor.com/visiting-cormoran-strikes-pub-and-denmark-street-premises-in-london/Victor Turner - Colour Classification in Ndembu Ritual (1966)https://gwern.net/doc/psychology/vision/1966-turner.pdfThe Blood Survey:Harry Potter and the Philosopher's StoneThe word “Blood” appears 33 times.dragon's bloodThe Bloody BaronHarry thought Flint looked as if he had some troll blood in him.One book had a dark stain on it that looked horribly like blood.That's unicorn blood.It put its hand into its pocket and pulled out a blood-red stone.Harry Potter and the Chamber of SecretsThe word “Blood” appears 46 times.not a drop of magical blood in their veins‘Wizard blood is counting for less everywhere –'No Malfoy's worth listenin' ter. Bad blood, that's what it is.‘No one asked your opinion, you filthy little Mudblood,' he spat.who think they're better than everyone else because they're what people call pure-blood.Most wizards these days are half-blood anyway.‘… I smell blood … I SMELL BLOOD!'Harry Potter and the Prisoner of AzkabanThe word “Blood” appears 21 times.‘It all comes down to blood, as I was saying the other day. Bad blood will out. Now, I'm saying nothing against your family, Petunia'Ron and Hermione were standing underneath it, examining a tray of blood-flavoured lollipops.‘BLOOD!' Ron yelled into the stunned silence. ‘HE'S GONE! AND YOU KNOW WHAT WAS ON THE FLOOR?'Harry Potter and the Goblet of FireThe word “Blood” appears 37 times.Now that they had removed their furs, the Durmstrang students were revealed to be wearing robes of a deep, blood red.‘B-blood of the enemy … forcibly taken … you will … resurrect your foe.'I wanted Harry Potter's blood. I wanted the blood of the one who had stripped me of power thirteen years ago, for the lingering protection his mother once gave him, would then reside in my veins, too …Harry Potter and the Order of the PhoenixThe word “Blood” appears 85 times.‘Yoooou!' she howled, her eyes popping at the sight of the man. ‘Blood traitor, abomination, shame of my flesh!'‘Because I hated the whole lot of them: my parents, with their pure-blood mania, convinced that to be a Black made you practically royal‘The pure-blood families are all interrelated,' said Sirius. ‘If you're only going to let your sons and daughters marry pure-bloods your choice is very limited; there are hardly any of us left.‘Terrified? I hope I, Sir Nicholas de Mimsy-Porpington, have never been guilty of cowardice in my life! The noble blood that runs in my veins –'Again and again Harry wrote the words on the parchment in what he soon came to realise was not ink, but his own blood.‘It seems there was some rather unusual kind of poison in that snake's fangs that keeps wounds open. They're sure they'll find an antidote, though; they say they've had much worse cases than mine, and in the meantime I just have to keep taking a Blood-Replenishing Potion every hour.‘While you can still call home the place where your mother's blood dwells, there you cannot be touched or harmed by Voldemort. He shed her blood, but it lives on in you and her sister. Her blood became your refugeHarry Potter and the Half-Blood PrinceThe word “Blood” appears 105 times.‘If I had murdered Harry Potter, the Dark Lord could not have used his blood to regenerate, making him invincible –'Harry had never hated Malfoy more than as he lay there, like an absurd turtle on its back, blood dripping sickeningly into his open mouth.‘My daughter – pure-blooded descendant of Salazar Slytherin – hankering after a filthy, dirt-veined Muggle?'It was as though something large and scaly erupted into life in Harry's stomach, clawing at his insides: hot blood seemed to flood his brainI've learned more from the Half-Blood Prince than Snape or Slughorn have taught me in –'‘Harry, I'd like you to meet Eldred Worple, an old student of mine, author of Blood Brothers: My Life Amongst the Vampires – and, of course, his friend Sanguini.'Blood spurted from Malfoy's face and chest as though he had been slashed with an invisible sword. He staggered backwards and collapsed on to the waterlogged floor with a great splash, his wand falling from his limp right hand.‘Payment?' said Harry. ‘You've got to give the door something?' ‘Yes,' said Dumbledore. ‘Blood, if I am not much mistaken.' ‘Blood?'Harry Potter and the Deathly HallowsThe word “Blood” appears 125 times.As I reveal in chapter sixteen, Ivor Dillonsby claims he had already discovered eight uses of dragon's blood when Dumbledore “borrowed” his papers.'MUDBLOODS and the Dangers They Pose to a Peaceful Pure-Blood Society‘Splinched,' said Hermione, her fingers already busy at Ron's sleeve, where the blood was wettest and darkest.Was it his own blood pulsing through his veins that he could feel, or was it something beating inside the locket, like a tiny metal heart?‘Drop your wands,' she whispered. ‘Drop them, or we'll see exactly how filthy her blood is!'Every drop of magical blood spilled is a loss and a waste.‘Precisely!' said Dumbledore. ‘He took your blood and rebuilt his living body with it! Your blood in his veins, Harry, Lily's protection inside both of you! He tethered you to life while he lives!'Fantastic Beasts and Where to Find ThemThe word “Blood” appears 11 times.The Kappa feeds on human blood but may be persuaded not to harm a person if it is thrown a cucumber with that person's name carved into it.Re'em blood gives the drinker immense strength, though the difficulty in procuring it means that supplies are negligibleSalamander blood has powerful curative and restorative properties.Quidditch Through the AgesThe word “Blood” appears 6 times.The first Bludgers (or ‘Blooders') were, as we have seen, flying rocksThe Tales of Beedle the BardThe word “Blood” appears 5 times.There is not a witch or wizard in existence whose blood has not mingled with that of MugglesCasual VacancyThe word “Blood” appears 97 times.Then pain such as he had never experienced sliced through his brain like a demolition ball. He barely noticed the smarting of his knees as they smacked onto the cold tarmac; his skull was awash with fire and blood; the agony was excruciating beyond endurance, except that endure it he must, for oblivion was still a minute away.All they could get out of her at first was, ‘The Fields, the bloody, bloody Fields …'‘Mrs Weedon's new pills are upsetting her stomach,' said Parminder calmly. ‘So we're doing your bloods today, aren't we?'Sharp, hot pain and the blood came at once; when she had cut herself right up to her elbow she pressed the wad of tissues onto the long wound, making sure nothing leaked onto her nightshirt or the carpet.Some of her self-hatred had oozed out with the blood.Pagford, bloody Pagford. Samantha had never meant to live here.That morning, at breakfast, she had tested her blood sugar with the glucometer for the first time, then taken out the prefilled needle and inserted it into her own belly. It had hurt much more than when deft Parminder did it.Did she find it easier to accept him as a separate individual than if he had been made from her flesh and blood? Her glucose-heavy, tainted blood …The Cuckoo's CallingThe word “Blood” appears 64 times.Her accidental assailant was massive; his height, his general hairiness, coupled with a gently expanding belly, suggested a grizzly bear. One of his eyes was puffy and bruised, the skin just below the eyebrow cut. Congealing blood sat in raised white-edged nail tracks on his left cheek and the right side of his thick neck, revealed by the crumpled open collar of his shirt.Perhaps a knife would plunge between his shoulder blades as he walked through the front door of her flat; perhaps he would walk into the bedroom to discover her corpse, wrists slit, lying in a puddle of congealing blood in front of the fireplace.‘Pushing someone over a balcony's a spur-of-the-moment thing,' said Strike, as though he had felt her inner wince. ‘Hot blood. Blind temper.'When Lucy's lips were pursed she bore a strong resemblance to their Aunt Joan, who was no blood relation to either of them.You're a cold-blooded b*****d, aren't you? No f*****g wonder old Jonny's not keen on you.'Strike, however, knew Charlotte as intimately as a germ that had lingered in his blood for fifteen yearsSergeant Gary Topley lying in the blood-spattered dust of that Afghanistan road, his face unscathed, but with no body below the upper ribs.The SilkwormThe word “Blood” appears 140 times.Message after message, stuck out on the bloody cliffs at Gwithian trying to get reception—Strike had never taken the time to consider, although Polworth, a man of many pithy theories, took the view that such women (‘nervy, overbred') were subconsciously looking for what he called ‘carthorse blood'.‘—and she says he won't let them sell. There was bad blood between Fancourt and Quine.'Strike would have advised any friend to leave and not look back, but he had come to see her like a virus in his blood that he doubted he would ever eradicate‘So much for love being a mirage and a chimera,' sighed Mrs Ellacott as she tossed down her pen. ‘This is no good. I wanted blood and guts, Michael. Blood and guts.'Career of EvilThe word “Blood” appears 115 times.He had not managed to scrub off all her blood. A dark line like a parenthesis lay under the middle fingernail of his left hand.He was good at reading people. He had read and charmed the girl who had died yesterday among the blood-soaked peach towels.“He doesn't like talking about personal stuff. Blood out of a stone.”On a high metal table sat a pillow in a plastic evidence bag; it was covered in dark brown bloodstains. A cardboard box next to it contained bottles of spirits. Where there was bloodshed, there was always alcohol.Strike remembered the wide patch of blood on the sheets, the excoriated skin on her wrist where Rhona had tried to free herself.Nevertheless, those long hours of driving through the darkness when he had known an encounter with the police might be fatal, when he had feared a request to turn out his pockets or a shrewd-eyed passenger noticing dried blood on him had taught him a powerful lesson.He was wearing a yellow T-shirt and on his right forearm was the rose tattoo, which had undergone a modification: a dagger now ran through it, and drops of blood fell out of the flower towards the wrist.If they'd been five minutes later she'd've been a goner. It took two blood transfusions to keep her alive.Lethal WhiteThe word “Blood” appears 143 times.He had been left with a deep dislike of being driven by anybody else and, to this day, with dreams of blood and agony that sometimes woke him, bathed in sweat.She could imagine Raphael bloody at the steering wheel, and the broken figure of the young mother on the road, and the police cars and the incident tape and the gawpers in passing cars.“Last night, when he was stoned. He said he knew a government minister who had blood on his hands.”“Would you mind waiting outside the curtain? We need to take bloods, change his drips and his catheter.”Strike could taste blood, but, from what he could see, the splintered and torn remnants of Jimmy's placard had been scattered by the mêlée.There was a piece of thick cream writing paper headed with a red Tudor rose, like a drop of blood, and the printed address of the house in which Robin stood.The old knife wound on her arm had been gaping open and it was the trail of her spurting blood that her pursuers were following, and she knew she would never make it to the place where Strike was waiting for the bag of bugs . . .‘She come into the yard, seen what had happened, ran towards Mr Chiswell, grabbed the hammer and just swung for him. Blood everywhere. It was horrible,'Troubled BloodThe word “Blood” appears 171 times.“Yeah, well, blood and soil's never been my—”She'd heard stories that Ilsa gave titles like cheap thrillers: the Night of the Bread Knife, the Incident of the Black Lace Dress and the Blood-Stained Note.She believed, I think, like Suhrawardy, that ‘bloodshed and disorder are not necessarily evil in themselves, if resorted to for a noble cause.'”And even in the seventies, before DNA testing, the police did pretty well with fingerprints, blood groups and so forth.“Anyway, one of the things she told Lawson was that she'd sponged blood off the spare-room carpet the day Margot disappeared.“According to Roy, the age difference and the blood relationship ought to have constituted a total prohibition on the relationship in the minds of all decent people. But as we know, he managed to overcome those qualms seven years later.In the second week of November, Joan's chemotherapy caused her white blood cell count to plummet dangerously, and she was admitted to hospital.She'd only once in her life had to face the possibility that she might be pregnant, and could still remember the relief that had flooded her when it became clear that she wasn't, and wouldn't have to face still more contact with strangers, and another intimate procedure, more blood, more pain.“But there was something bloodless about the man. Not wet exactly, but—” Oonagh gave a sudden laugh. “‘Bloodless'—you'll know about his bleeding problem?”The demon he “saw” was carrying a cup of blood and a sword.‘She – never seemed – to remember – that I couldn't – protect her – couldn't – do anything – if somebody tried – to hurt – because I'm a useless – bleeder … useless … bloody … bleeder … 'A few pages inside was a brown smear. Strike halted the cascade of pages to examine it more closely. It was, he suspected, dried blood, and had been wiped across a few lines of writing.This I will say more, to wit, that those who walk in their sleep, do, by no other guide than the spirit of the blood, that is, of the outward man, walk up and down, perform business, climb walls and manage things that are otherwise impossible to those that are awake.She'd taken the full force of Strike's elbow between her eyebrows, and she realised her nose was bleeding only when she accidentally sprayed blood onto the kind American's white shirt front.‘It – was – a – f*****g – joke,' said Morris, examining the blood smeared on his hands. ‘I only meant to make you jump – f**k's sake—'The Ink Black HeartThe word “Blood” appears 214 times.There was bad blood between Strike and Mitch Patterson, the boss of the agency in question, which dated back to the time Patterson had put Strike himself under surveillance.‘Thanks – I ripped off a nail opening the last one. Yeah, so she was banging on about blood diamonds, and I…'Having explained the Christian symbolism of the pelican, which was feeding her chicks with her own blood, Groomer wondered aloud whether Legs was ready for a coffee‘Second letter of the alphabet, eighth letter: BH. Stands for blood and honour. Blood and Honour are a neo-Nazi skinhead group.'Might still be a bit of Edie's blood on the grass. You could frame it. Sell it on eBay.Vilepechora: I fkn love a redhead. Proper Viking bloodStrike parked, then used the old man's handkerchief and his own saliva to remove from his face all traces of blood, of which there was a surprising amount.Red Soles lay where he'd been deposited on the platform, blood trickling from his inner ear.They fort there was a vampire in the real cemetery, in the seventies. Edie fort it was corny, 'avin' a vampire, but I drew 'im so she could see what I was finking. I wanted 'im to be inept, like, tryna kill tourists but never gettin' enough blood to live on, so 'e was, like, weak an' feeble…'‘Julius Evola. Far-right philosopher. Ludicrous racial theories. A rather determinedly eccentric classmate of mine at Radley was partial to him. Used to carry The Myth of the Blood around and read it ostentatiously at meal times.It was impossible to know whether Ross had turned pale, because the man had always looked as though antifreeze ran in his veins rather than blood, but he'd certainly become unnaturally still.Robin stamped hard on his bare foot before both slipped in another puddle of Inigo's blood.As the door shuddered, Robin saw, by the dim glow from a skylight, Katya slumped on the floor beside the bath, blood all over the hands she was pressing against her stomach.The Running GraveThe word “Blood” appears 194 times.It's important to say that my mother – I was raised to call her Louise, because the UHC forbids naming blood relationships – isn't stupid.It'll have been used for chopping wood, but Oisin was convinced it had blood on it. We couldn't get it out, though. We couldn't reach.I don't know what's normal for a birth but she seemed to lose a huge amount of blood. I was present when the baby was actually born because one of the birthing team couldn't cope any more and I volunteered to take her place.Strike's imagination insisted on showing him a vivid picture of Charlotte submerged in her own blood, her black hair floating on the clotted surface.There was a puddle of blood seeping from under one of the toilet cubicle doors. She could see Lin's bloodstained legs, which weren't moving.They committed nine murders in all, one of them of a pregnant actress, and those young women were right in the thick of the action, ignoring the victims' pleas for mercy, dipping their fingers in the victims' blood to scrawl – Jesus,' said Strike, with a startled laugh, as he remembered a detail he'd forgotten, ‘they wrote “pigs” on the wall as well. In blood.'The Hallmarked ManThe word “Blood” appears 246 times.Some might have considered her flat tone insensitive, given Charlotte's recent death in a blood-filled bathtub, but as Strike was more than happy to dispense with prurient questions or faux sympathyThe body was blood group A positive – that's the same.‘The splash patterns from the blood were un-fakeable, according to forensics. There was also a partial footprint that had clearly been made while the blood was still liquid.'The back wall broke the monotony of the sea of silver, because it displayed many antique aprons and sashes embroidered in gold, and Robin's eye lingered on an apron embroidered with a bloody severed head, held up by a single hand.‘Yeah, somefing like… an' 'e dropped 'is doob tube, remember, Daz? An' 'e told you it was a f****n' blood sample, like you was gonna nick it off 'im.'Previously a Conservative MP, he now headed various charitable and political organisations and committees, was ever-ready with a quote for the papers, sprinkled his conversation with Latin tags and capitalised to the full on the English public's weakness for a toff who seemed ready to laugh at himself, having a fondness for appearing on political quiz shows, where he played to the hilt the part of genial, bumbling blue-blood.Blood must've started pooling in the lower part of the body before they started to mutilate it. Maybe that was deliberate. Maybe they didn't want blood seeping out under the vault door.'As Strike watched, life and blood started to drain from the brindle, its legs twitching ever more feebly as blood flooded from its jugular.Robin took the turn into the road at speed, then looked sideways at Strike, one of whose hands was pressed to his inner thigh, blood seeping through his fingers.The bodies of Jim Todd and a woman Strike assumed to be his mother, Nancy, were lying on the dirty carpet in a foul miasma encouraged by the gas fire that continued to blaze. Todd, who was fully dressed, had been stabbed multiple times. His now black blood had soaked his shirt and the floor beneath himBlood now gushing from his head wound, Strike succeeded in grabbing the wrist of Griffiths' knife-holding hand, then slammed it down on the rough concrete floor,He could feel a weird coldness, as though flesh that had never been exposed to fresh air was meeting it for the first time, and this contrasted unpleasantly with the continuing flow of warm blood.Possibly combining heavy blood loss and neat whisky hadn't been the very best idea, Strike was prepared to concede that now, but he had to keep talking, because he wanted the man to know he knew.The IckabogThe word “Blood” appears 11 times.‘If Beamish was half-eaten, why wasn't there more blood?' asked the second.soldiers who'd been sent back to the marsh to find out what happened to Private Nobby Buttons had discovered nothing but his bloodstained shoes, a single horseshoe, and a few well-gnawed bones.Finally, the same man cut off the head of one of the hens and made sure plenty of blood and feathers was spread around, before breaking down the side of the coop to allow the rest of the chickens to escape.In hundreds, Ickabogs were slain, Our blood poured on the land like rain, Our ancestors like trees were felled And still men came to fight us.The Christmas PigThe word “Blood” appears 2 times.They all seemed to be bits of humans. Some were mouths: one was loudly chewing gum and others smoking stinking cigarettes, which made the glowing red dots and the nasty smell. There were noses, ears, a single finger, its nail chewed to a bloody stub, several oozing spots which were so disgusting Jack could barely look at them, and a couple of fists, which were pounding the ground in a menacing fashion as though they couldn't wait to start hitting someone.The Cursed ChildThe word “Blood” appears 22 times.ALBUS (with power and strength) No, you need to listen to me, you said it yourself – how much blood is on my father's hands. Let me help you change that. Let me help correct one of his mistakes. Trust me.POLLY CHAPMAN The Blood Ball of course – who you – the Scorpion King, are taking to the Blood Ball.POLLY CHAPMAN Mudbloods of course. In the dungeons. Your idea, wasn't it? What's going on with you? Oh Potter, I've got blood on my shoes again . . .DRACO We were capable of having children, but Astoria was frail. A blood malediction, a serious one. An ancestor was cursed . . . it showed up in her. You know how these things can resurface after generations . . .Fantastic Beasts (Screenplay)The word “Blood” appears 2 times.Fantastic Beasts and the Crimes of GrindelwaldThe word “Blood” appears 20 times.A baby Chupacabra—part lizard, part homunculus, a blood-sucking creature of the Americas—is chained to GRINDELWALD'S chair.SKENDER Once trapped in the jungles of Indonesia, she is the carrier of a blood curse. Such Underbeings are destined, through the course of their lives, to turn permanently into beasts.We see TEENAGE DUMBLEDORE and TEENAGE GRINDELWALD facing each other in a barn. Both score their palms with their wands. Now bleeding, they interlace their hands . . .DUMBLEDORE turns his head away, fighting the impulse to cover the glass again. Bracing himself, he looks up.From their bloody palms rise two glowing drops of blood, which mingle and merge to create one. A metal shape begins to form around the droplet, becoming more defined and intricate. It is GRINDELWALD'S vial.NEWT It's a blood pact, isn't it? You swore not to fight each other.Fantastic Beasts and the Secrets of DumbledoreDumbledore stares at him, then slowly brings a hand into view and reveals: the BLOOD TROTH. As he cradles it, its chain slowly slithers between Dumbledore's fingers, as if alive.Theseus nods, eyeing the troth, watching as the DROPLETS OF BLOOD circle one another like weights in a clock.The blood troth flashes red and flies free, caroming off the floor and to the wall. As he draws his wand, taking aim, the troth's chain, still tethered to his arm, constricts, burrowing deep into his flesh.CREDENCE I'm a Dumbledore. You abandoned me. The same blood that runs my veins runs yours. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit hogwartsprofessor.substack.com/subscribe

This Week's Panel - ElroyOMJ, InigoMontoya80   Show Discussion - This week's main offerings include the second consecutive week that Elroy has talked about a real game with real TAD in Hell Let Loose while Inigo relives his youth with a vroom vroom game featuring big tires and lift kits. The second dose has more than meets the eye with a terrible Transformer game with a thoughtful achievement title in it and a generic beat em up that is narration manifest!   Games Mentioned: Elroy - Hell Let Loose, Doodle Harmony, Heroes of Mount Dragon InigoMontoya80 - Monster Jam Showdown, Doodle Harmony, Transformers: Battlegrounds ----- AH101 Podcast Show Links - https://tinyurl.com/AH101Links Intro music provided by Exe the Hero. Check out his band Window of Opportunity on Facebook and YouTube

Watch the FULL podcast here: https://youtu.be/7kfykswH6IoThis clip explores how to identify zone two intensity without relying on a wearable. I discuss the link between breathing rate, conversation ability and the underlying metabolic changes that define this training zone. We take a closer look at why many people unintentionally drift into higher intensities, suppress fat oxidation and struggle to lose weight despite working hard. The conversation also touches on fat max, mitochondrial function and the practical implications for long-term weight management.***This episode is sponsored by: NOWATCH: Health tracking reimaginedKnow your body, trust yourself.15% off with code LWBW15 at nowatch.com***Sign up to Sarah's Compassionate Cure newsletter: Science Simplified, Health Humanised. Join thousands in exploring actionable insights that prioritise compassion, clarity, and real-life impact. https://sarahmacklin.substack.com/***Let's be friends!

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

This Week's Panel - ElroyOMJ, InigoMontoya80   Show Discussion - An enchanting discussion of multiple games as Elroy fights off gtasc depression and Inigo fights off Elroy's terrible internet connection. In the end they can agree on two games to play that are none of the games they discussed and definitely not Godzilla on the NES.   Games Mentioned: Elroy - Gigabash, Godzilla: Monster of Monsters (NES), God of Rock, Who's Your Daddy, DEEEER Simulator: Your Average Everyday Deer Game InigoMontoya80 – Yet Another Zombie Defense HD, Red Dead Redemption 2, Road to Exotics, Infinity Runner, Aquapark io ----- AH101 Podcast Show Links - https://tinyurl.com/AH101Links Intro music provided by Exe the Hero. Check out his band Window of Opportunity on Facebook and YouTube

Watch the FULL podcast here: https://youtu.be/7kfykswH6IoAre you getting the balance between Zone 2 and HIIT right? I'm exploring how an 80/20 split by sessions, with most training at lower intensity and select high-intensity work, supports results without burning you out.This clip explores why all-HIIT programs often feel unsustainable and can lead to fatigue or injuries, what 80/20 really means when you count sessions rather than minutes, and why only about 5 to 10 percent of total minutes across a season tend to be truly high intensity in athletic programs. We discuss how Zone 2 should be harder than easy cruising to drive mitochondrial adaptations, practical ways for busy people to blend mostly Zone 2 with a small dose of intensity toward the end of some sessions, and why complete off days can be more restorative than so-called active recovery. I also share my experience of feeling awful doing fasted HIIT, and we touch on how women may find certain efforts tougher due to muscle fibre differences related to ATP production. As a nutritionist and health communicator, I connect the training plan with recovery needs, including the role of rest for immune health.***This episode is sponsored by: NOWATCH: Health tracking reimaginedKnow your body, trust yourself.15% off with code LWBW15 at nowatch.com***Sign up to Sarah's Compassionate Cure newsletter: Science Simplified, Health Humanised. Join thousands in exploring actionable insights that prioritise compassion, clarity, and real-life impact. https://sarahmacklin.substack.com/***Let's be friends!

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

Watch the FULL podcast here: https://youtu.be/7kfykswH6IoThis clip explores why VO2 max, despite being a long-standing marker of fitness, does not capture the full picture of our metabolic and longevity potential. We take a closer look at how oxygen is actually used at the cellular level and why mitochondrial function is emerging as the next frontier in understanding performance and healthy ageing.The discussion moves into how mitochondrial health can be assessed in a practical, non-invasive way, including the use of gas exchange measures and lactate as proxies for cellular efficiency.***This episode is sponsored by: NOWATCH: Health tracking reimaginedKnow your body, trust yourself.15% off with code LWBW15 at nowatch.com***Sign up to Sarah's Compassionate Cure newsletter: Science Simplified, Health Humanised. Join thousands in exploring actionable insights that prioritise compassion, clarity, and real-life impact. https://sarahmacklin.substack.com/***Let's be friends!

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

We often think fitness is about pushing harder. More miles. More sweat. More effort.But what if the real secret to lifelong performance and metabolic health lies not in intensity, but in understanding the quiet signals your body sends every day?This week on Live Well Be Well, I'm joined by world renowned physiologist Dr. Iñigo San Millán, director of performance for UAE Team Emirates and one of the leading experts in mitochondrial health, endurance physiology, and chronic metabolic disease. Iñigo has spent decades studying elite athletes and everyday patients, and his work reveals a striking truth. The systems that help world champions thrive are the same systems that protect us from illness, fatigue, and burnout.We explore the science behind training zones, lactate, and metabolic flexibility, but also the human side of energy, longevity, and self trust. Because understanding your physiology is not only about performance. It is about reclaiming your capacity to feel strong, stable, and well in your own life.Here's What We Dive Into:- How mitochondria underpin long-term health and signal metabolic resilience.- Why Zone 2 training improves energy stability and protects against chronic disease.- What lactate truly reveals about your physiology beyond exercise performance.- How elite athletes teach us about metabolic dysfunction and adaptation.- Why nutrition shapes mitochondrial function and insulin sensitivity.- What drives burnout and fatigue at the cellular level and how to reverse it.- How to train smarter by listening to heart rate, breath, and internal cues.- Why most people are unintentionally overtraining or undertraining and how to find balance.Love,Sarah Ann

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

Catastrophe models have come a long way - but are decision-makers keeping up? In this panel from InsTech's The future of catastrophe risk: where science meets reality, Alice Kaye (Inigo), Caroline McMullan (Verisk) and host Dickie Whitaker (Oasis LMF) confront the challenges of turning sophisticated risk models into clear, actionable decisions. Together, they explore why uncertainty is often more valuable than the average, how human biases still cloud our understanding of extreme events, and what's needed to close the communication gap between modellers, underwriters and boards. This conversation gets real about the behavioural, structural and cultural shifts the insurance industry must make to better navigate risk in an increasingly volatile world. What you'll learn in this episode: Why point estimates often mislead decision-makers - and how scenarios can bring data to life The role of behavioural bias in catastrophe risk assessment (think hindsight, anchoring and mean reversion) How leading insurers like Inigo are integrating model outputs into daily underwriting and board-level strategy The importance of early-career training to build confidence in managing uncertainty How the interface between climate science, data science and vulnerability modelling is evolving Why pre-competitive collaboration with academia is critical for the industry's future If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify gaps in skills and training that hinder effective risk modelling and decision-making. Produce more informed underwriting decisions by integrating multiple views of risk. Summarise best practices for bridging the gap between research, modelling and commercial application. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 379 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

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 Juan de Castro welcomes Lambros Lambrou, Chief Strategy Officer at Aon, to explore how one of the world's largest insurance brokers is transforming risk management through data, AI, and innovation. They discuss how global megatrends, trade, technology, weather, and workforce are reshaping the insurance landscape and why a shift from traditional risk protection to enabling upside growth is crucial. Lambrou explains how Aon's “One Data Lake,” Risk Analyzers, and Broker Copilot tools provide real-time, predictive insights that help clients make smarter decisions across property, casualty, cyber, and health insurance. The conversation highlights the importance of breaking down silos, aligning teams around client outcomes, and leveraging technology to deliver integrated, intelligent risk solutions worldwide.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

Art World Infamy is a special series from the team behind The Art Angle, investigating the scandals and schemes that have rocked the art world. In the first chapter, told over four episodes, senior market reporter Eileen Kinsella unravels the rise and fall of dealer Inigo Philbrick. After months on the run, U.S. authorities finally tracked Inigo Philbrick to a remote island nation in the South Pacific: Vanuatu, a tropical archipelago more than 9,000 miles from London and a world away from the art fairs and galleries where he once thrived. What followed was a scene straight out of an action thriller: a dramatic arrest, a secretive extraction by private jet—at the height of the pandemic, no less—and a return to face justice, along with tens of millions in claims from furious investors and collectors. In this fourth and final episode, we uncover what happened in the months after Philbrick disappeared and how his high-flying double life came to an abrupt end. Law enforcement officials and art-world insiders weigh in on how they found him, what it takes to prosecute art fraud—and whether a man like this could ever make a comeback in the art world.

Art World Infamy is a special series from the team behind The Art Angle, investigating the scandals and schemes that have rocked the art world. In the first chapter, told over four episodes, senior market reporter Eileen Kinsella unravels the rise and fall of dealer Inigo Philbrick.   After a bombshell $13 million lawsuit from angry collectors, Inigo Philbrick vanished. What followed was a cascade of international claims from clients who had entrusted him with millions, drawn in by his supposed Midas touch in the art market. From art fairs to gallery openings to gala dinners, the question on everyone's lips was the same: Where's Inigo? In this third episode, we examine the fallout from Philbrick's fraudulent deals, and the frenzy that erupted in the art world after his sudden disappearance.

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 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. Discover how Applied Systems evolved into a market leader, the role of AI in eliminating mundane tasks, and the strategic vision for integrating agency workflows, carrier connectivity, and automation to accelerate insurance processes and empower professionals across the industry.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

Art World Infamy is a special series from the team behind The Art Angle, investigating the scandals and schemes that have rocked the art world. In the first chapter, told over four episodes, senior market reporter Eileen Kinsella unravels the rise and fall of dealer Inigo Philbrick.   Long before headlines exposed his $86 million fraud, Inigo Philbrick was just another ambitious intern at one of the most powerful galleries in the world. Then a student at Goldsmiths College, Philbrick caught the attention of legendary dealer Jay Jopling and landed a coveted internship at White Cube—the gallery that defined 1990s London, and launched the YBAs (Young British Artists) including Damien Hirst and Tracey Emin. In this second episode, we explore how Philbrick so quickly ingratiated himself into the upper echelons of the art world that, within just a few years, he was running his own eponymous gallery. With hindsight, were there early warning signs of what was to come that the art world failed to see?

Art World Infamy is a special series from the team behind The Art Angle, investigating the scandals and schemes that have rocked the art world. In the first chapter, told over four episodes, senior market reporter Eileen Kinsella unravels the rise and fall of dealer Inigo Philbrick. What happens when you mix staggering sums of money with opaque financial deals in the high-stakes world of art? Welcome to Art World Infamy, a new podcast mini-series about the scandals and larger-than-life figures that have gained industry notoriety. We begin with a four-part investigation into how Inigo Philbrick climbed to the top of the art world—and how it all unraveled. Once hailed as a wunderkind dealer, Philbrick leveraged personal connections and the soaring contemporary art market to build what looked like an unstoppable career. But his fortunes hinged on deception, and once uncovered, the losses were staggering. In this opening episode, we'll trace the convoluted deals that propelled Philbrick to the top, and would eventually lead to a spectacular collapse that left collectors and investors out of tens of millions of dollars.  

Fan 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, building future-ready teams, and tackling the complexities of data standardisation. With a focus on practical implementation and change leadership, this episode offers valuable guidance for insurance professionals navigating the evolving landscape of risk, technology, and human capital.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 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 innovation are reshaping customer experience while reducing inefficiencies. Juan and JJ also examine the importance of attracting tech-savvy talent, breaking down silos, and fostering collaboration across the sector. Packed with insights, this conversation offers a roadmap for insurers seeking to stay customer-centric and resilient in a rapidly evolving world.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