AI Across Your Risk Program: A Four-Part Series

AI is showing up in every practice we serve: commercial insurance, employee benefits, personal lines, and retirement plans. Over four posts, we will track what is real, what is exposure, and what to ask.

Most of the AI conversation in our industry happens in silos. P&C carriers talk about AI in underwriting. Benefits vendors talk about it in enrollment and engagement. Personal lines carriers talk about it in pricing and renewal decisions. Retirement recordkeepers talk about it in participant experience. The vocabularies differ; the substance often does not.

We work across all four practices, and we are seeing the same pattern repeat: AI is already operational, vendor and carrier claims of capability vary widely in substance, regulators are circling, and the line between AI helping and AI exposing is governance.

Over the next four posts, we will look at what AI is doing inside each practice, where it helps, where it creates exposure, and what risk managers, HR leaders, plan sponsors, and households should be asking now. 

• Part 1. Property & Casualty: What Risk Managers Should Know About AI
  How AI is reshaping submission triage, claims handling, and your own AI-related exposures across E&O, D&O, cyber, EPL, and product liability.

• Part 2. Employee Benefits: What HR Leaders Should Know About AI
  Where AI sits in carrier systems, HR platforms, and wellness vendors, and what credible vendor evaluation looks like in this environment.

• Part 3. Personal Lines: What Households Should Know About AI
  How AI-driven pricing, catastrophe modeling, and automated claims are reshaping homeowners and auto coverage, and what households should be asking their carriers.

• Part 4. Retirement Plans: What Plan Sponsors Should Know About AI
  AI in recordkeepers, investment monitoring, and the committee documentation that has to hold up under DOL or SEC scrutiny.

Up next: Property & Casualty