How agentic AI deployment will reshape how risk is identified and addressed.
The insurance industry has always been more than just a safety net for society and commerce. Throughout history, it has driven change: marine insurance boosted global trade, liability coverage spurred industrial growth, and cyber insurance opened the door to digital commerce. At these pivotal moments, insurers did more than take on risk — they encouraged new practices, protected innovation, and built trust. Today, a similar role is emerging in the use of artificial intelligence. As agentic AI moves from concept to practice, insurers become essential partners in its safe implementation. Their unique perspective allows them to reduce risks while promoting transparency, strong governance, and regulatory compliance.
This proactive stance positions the insurance industry as both an instrument of financial protection and a force for shaping best practices in AI. Through policy conditions requiring audits, security measures, and ethical guardrails, insurers can promote responsible development and deployment.
By stepping into this role, insurers transition from reactive responders to innovation enablers. The industry’s risk-management foresight is helping pave the way for transparent, trustworthy, and compliant AI ecosystems that can scale safely across industries.
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An Industry Perspective
A recent Carrier Management article underscores this shift, noting that agentic AI deployment will reshape how risk is identified and addressed.
Brandon Nuttall, Chief Digital and AI Officer at Xceedance, captured it well: “The rise of agentic AI marks a pivotal shift in how businesses operate, and how risk must be understood, managed, and transferred. Insurers have a rare opportunity not only to protect against the downside of this transformation, but to accelerate its responsible adoption actively. By stepping into the role of enabler, not just responder, the insurance industry can once again prove its historical power to facilitate progress.”
Insurance can influence AI application through coverage and advisory services that promote expert oversight and ethical practices. By mandating clear governance structures, auditable processes, and oversight for compliance, insurers help ensure that AI systems function responsibly and stay aligned with changing standards.
This dual role — offering coverage and encouraging responsible use — reflects the industry’s historical pattern of fostering transformative change.
Prioritizing Human Judgment
At NeuralMetrics, we adopt and expand oversight principles through our Human Above the Loop (HATL) approach to AI functionality. Unlike traditional “human-in-the-loop” models that view human supervision as just one step, we ensure human judgment oversees entire, often complex, decision processes. This principle is integrated into our solutions for commercial insurance underwriting and premium audit management, where transparency, explainability, and compliance are essential.
By combining domain expertise with agentic AI, we assist insurers in managing risk and advancing the responsible use of intelligent automation.
A Call to Action
The rise of agentic AI isn’t a distant trend — it’s happening now. Insurers who take on the role of trust and transparency enablers will shape how execution progresses and set standards that go well beyond their own industry.
Just like insurance propelled progress in past eras, it now has the potential to strengthen the future of dependable AI. The opportunity is not only to guard against risk but also to enable responsible transformation.