"Some data shows that by 2027, about 85 to 90 percent of vendors will have AI in their products. If you are a carrier, your biggest AI risk is not only what you're building, but how to deal with vendors who say their products use AI."
Anthony Habayeb, CEO and co-founder, Monitaur
December 2025 | What's new this month
Governance as a roadmap for AI transformation in insurance
Join Marissa Buckley from the Live@ITC 2025 stage, where she interviews Anthony Habayeb, CEO and co-founder of Monitaur, about AI, regulation, and what it will take for insurers to move AI forward responsibly.
Your vendors are now your biggest AI risk. Learn why treating third-party AI the same as internal development is critical—and how to build a governance program that scales across your entire AI ecosystem.
Governance isn't a bottleneck—it's an accelerator. Discover how embedding AI governance into business units helps claims teams move faster while reducing risk and meeting regulatory expectations.
When it comes to artificial intelligence, many organisations want to sprint before they’ve learned to walk. Yet too often, AI governance is treated as a mere box-ticking exercise. Andrew Clark, co-founder and CTO of Monitaur, warns that in the race to deploy, firms are skipping the essential steps that make systems resilient.
In today’s rapidly evolving insurance landscape, the arrival of AI in Life and Health underwriting and claims workflows is no longer a distant possibility - it's already a reality. Insurers are now investing in AI with the expectation that it can transform underwriting and claims, improving both efficiency and customer experience. Indeed, a boost from AI could not come at a better time – Swiss Re's 2024 UK Life and Health Underwriting and Claims Watch revealed that underwriters and claims assessors are reviewing ever-growing volumes of cases, often with a sizeable amount of evidence to review for each of these cases. AI can help automate repetitive administrative and labour-intensive tasks, such as summarising documents, enabling more efficient case reviews and allowing additional time to address complex, high-value cases.
The European Union is preparing to delay and ease major elements of its landmark Artificial Intelligence Act as regulators confront a reality that fast-moving AI systems are outpacing the structures built to govern them. According to Reuters, the European Commission is “proposing to pause parts of its landmark artificial intelligence legislation amid pressure from big tech companies and the U.S. government.” The Financial Times reported that Brussels is considering a “one-year grace period for high-risk AI compliance” and may delay transparency fines until 2027. PYMNTS noted that policymakers are weighing a “yearlong delay in full implementation” as part of a broader effort to give European industries more time to adapt to the rapid rise of generative and autonomous AI systems.
National attention often focuses on federal law. But businesses engaged in interstate commerce must also consider the laws of multiple states—sometimes including states with which they have only indirect contact. This reality is underscored by the Supreme Court’s recent decision in National Pork Producers Council v. Ross. Although the federal government has authority to regulate interstate commerce, the Court’s opinion makes clear that the states retain substantial authority to regulate where federal law is silent. Even state laws that have significant effects on out-of-state economic activity and that federal courts might consider unwise are unlikely to offend federal authority unless they are purposefully discriminatory instruments of “economic protectionism.”
OpenAI cofounder Ilya Sutskever believes the tides of the AI industry will have to shift back to the research phase. On an episode of the "Dwarkesh Podcast" published Tuesday, Sutskever, who is widely seen as a pioneer in modern artificial intelligence, challenged the conventional wisdom that scaling could be the key road map to AI's progress.
Nowadays there seems to be nonstop discussion about AI, with much of the conversation focused on whether there’s a speculative bubble or whether the chipmaker Nvidia is really worth $5tn or whether OpenAI will beat its rivals in developing new generations of artificial intelligence. But the vast majority of Americans – just like the vast majority of Europeans and Asians – couldn’t care less about those things.
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