Insurance Business ReviewSEPTEMBER 20256Copyright © 2025 ValleyMedia, Inc. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher thereof.Managing EditorRaven Mcguire*Some of the Insights are based on the interviews with respective CIOs and CXOs to our editorial staffEditorial StaffAaron Pierce Ava GarciaAlex D'Souza Abhinov PunnakkalJoshua ParkerSarah FernandesEditorialRaven McguireManaging Editoreditor@insurancebusinessreview.comEurope's insurance underwriting is moving decisively toward more digital and data-driven models. Carriers are deploying artificial intelligence and advanced analytics to refine pricing, expedite decision-making, and enhance profitability amid volatility and climate-related pressures. Underwriting is shifting from reactive case work to portfolio optimisation, tuning risk appetite, pricing, and capacity across books in near real time while improving property and casualty momentum as inflation eases and markets stabilise after 2024.Macro forces such as economic growth, interest rates, and inflation continue to influence claims severity and investment returns. In recent years, claims and expense inflation have outpaced consumer prices in certain parts of Europe, leading to tighter combined ratios and impacting pricing cycles. Climate risk is increasing loss volatility and widening protection gaps, challenging traditional catastrophe models and driving innovation in risk selection, prevention, and coverage design across property and speciality lines. Regulation also remains central. Solvency II updates and ESG-related disclosures are raising expectations for transparency and risk governance, guiding underwriting decisions and capital allocation while supporting overall resilience.To address these challenges, insurers are leveraging AI-enabled triage, straight-through processing, and augmented underwriting to enhance loss accuracy, speed, and portfolio-level control. ESG integration is expanding into risk selection, pricing, prevention incentives, and product development, aligning protection and investments with sustainability goals and stakeholder expectations. Reinsurance discipline, scenario testing, and balance sheet hedging are being used to manage catastrophe exposure, geoeconomic risks, and capital cycles. Carriers are aiming for sustainable mid-single-digit growth in property and casualty in Europe over the coming years.In this edition, we highlight a few of the most influential companies and leaders in the sector. The insights include opinions Head of Customer Journey Management, Head of Exploratory Banking & Strategic Partnerships, SEB and Dewayne Mundell, Head of Litigation & Property Claims at Next Insurance. We believe that these insights will help you make better and more informed business decisions. Let us know your thoughts!The Shift to Smarter UnderwritingVisualizersMichael WayneChris LynnSEPTEMBER 2025, Vol 04 Issue 11 (ISSN 2837-1763) Published by ValleyMedia, Inc. To subscribe to Insurance Business ReviewVisit www.insurancebusinessrevieweurope.com Email:sales@insurancebusinessreview.comeditor@insurancebusinessreview.commarketing@insurancebusinessreview.comEUROPE
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