Top 10 insurance trends so far in 2025

A short introduction A lot has happened since the start of the year, both at InsTech and across the insurance industry. In this quarterly round-up, we’ve brought together the key topics and themes that defined …

Top 10 insurance trends so far in 2025

Owi Editor

A short introduction

A lot has happened since the start of the year, both at InsTech and across the insurance industry. In this quarterly round-up, we’ve brought together the key topics and themes that defined the first three months of 2025, including those that captured the most attention from our community.

The devastating wildfires in Southern California offered an immediate and scorching reminder of the growing impact of natural disasters in January. This remained a recurring focus, not least as InsTech hosted Exponential Risk London in March, our first dedicated conference for the global catastrophe and climate modelling community.

While exposure management and climate resilience were front of mind, there was also strong engagement with topics shaping the future of insurance: from the practical use of AI in underwriting and claims, to improving data quality, to rethinking how the industry connects both technologically and personally.

Explore the podcasts, articles and insights that mattered most to you, our network, in the first quarter of 2025.

Top podcasts

11,000 of you listened to our podcast this quarter. What tuned your ears?

AI is no longer just a buzzword for insurers. From January to April, the most listened to podcasts made it clear that the insurance industry is actively rethinking how it operates, underwrites and connects with AI.

Insurers have long dealt with legacy systems and manual processes. But from the companies we have spoken to (and you have listened to) this shift isn’t just technical, it’s strategic. What unites these conversations is a shared recognition that data and workflow intelligence are no longer ‘nice to have’. 

As the sector looks ahead, whose conversation inspired you the most?

1. How well do you know generative AI?

So how does a major insurer utilise AI? A clear and concise guide to the real-world impact of generative AI in the insurance industry.

2. Designing an intelligent processing platform for insurance

This discussion touches on how AI-powered document ingestion is changing the game for underwriting and claims.

3. Driving underwriting with RiskOps

Federato enables underwriters to triage submissions, prioritise in-appetite risks and streamline workflows using AI-driven insights. Traditional underwriting is evolving, and AI-powered platforms are leading the charge.

4. Connecting brokers, connected insurance

What if brokers could streamline data collection, enhance risk assessment and seamlessly connect with underwriters in real time. Recorder is a company building the next generation of broker management software.

5. 30 minutes to 30 seconds — Serial entrepreneur, survivor and Agentic AI expert

Agentic AI. The buzzword of 2025. But what is it and how can it help claims?

Top articles

From real-time flood prediction to AI-powered data cleansing, the most read articles this year reflect a sector that is moving quickly to understand and address emerging risks. Across the board, insurers are grappling with how to respond to more volatile weather, shifting risk landscapes and growing operational complexity. Discover the five most popular articles so far.

1. Insights into the LA Wildfires and Implications for Insurance

The Los Angeles wildfires served as a sharp reminder of the devastating human and financial cost of climate-driven events, with insured losses potentially exceeding $45 billion. The articles exploring the aftermath highlighted not just the scale of destruction but also the evolving role of models, regulation and resilience in rebuilding efforts. As wildfire risk grows beyond traditional hotspots, the lessons from California are becoming increasingly relevant globally.Click here

2. Who will talk to me? 15 tips for natural networking

One of the most popular articles was on networking: offering simple, practical advice for making real connections in a world where the insurance industry continues to evolve digitally but remains deeply people-driven. It’s a reminder that while technology may be transforming the infrastructure, relationships still sit at the heart of how progress happens.Click here

3. Scrub AI: transforming delegated authority data with AI-driven cleansing

Elsewhere, readers were drawn to practical solutions. Articles on delegated authority data and AI cleansing tools explored how insurers can regain control over inconsistent bordereaux, reduce manual overheads and unlock insights that were previously hidden in poor-quality spreadsheets. The message our community found valuable was clear: better data leads to better decisions.Click here

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