AI in insurance. Evidence before adoption.

The Renewal Report helps insurance professionals make informed decisions about artificial intelligence: what to use, what to question, and what to verify before putting it to work.

We started with a simple concern: a compelling demonstration is not enough to make a confident decision. Before an AI tool becomes part of an insurance workflow, buyers need clear answers about the information it handles, the actions it can take, and the evidence behind its claims.

We see a need for more rigorous scrutiny of AI in insurance. Not another stream of product announcements, and not a blanket argument against adopting new technology.

Our focus is the space between a vendor’s promise and a buyer’s decision. What has actually been demonstrated? What happens to client information? Can an output be checked against its source? What remains a person’s responsibility?

We believe those questions deserve clear, practical answers.

• AI developments that matter: News examined through its implications for insurance work.
• Vendor claims and supporting evidence: What the available material establishes, what it leaves unanswered, and what would require testing.
• Security and data handling: The questions to ask before giving a tool access to documents, accounts, or connected systems.
• Practical evaluation: Guides and working tools for assessing workflows, reviewing outputs, and setting boundaries.

We write for agency principals, commercial producers, service teams, MGA and program underwriters, and insurance leaders responsible for technology decisions.

Our standard is evidence over enthusiasm. We distinguish vendor statements from independent findings, planned tests from completed results, and recommendations from legal requirements.

We aim to make the basis of our reporting visible through sources, scope, and clearly stated limitations. When the evidence does not support a conclusion, the uncertainty belongs in the story.

Accountability

Findings carry no bylines and, for now, the publication is anonymous: no named editor, no portrait, no biography. What is not anonymous is the responsibility. One editorial desk approves every finding, test and correction, answers editor@therenewalreport.com, and follows the method on the methods page. If that changes, it will be said here first.

Our long-term ambition is to help establish a more transparent, insurance-specific approach to evaluating AI tools. That starts with useful reporting, clear evaluation methods, and evidence that buyers can inspect.

The Renewal Report does not currently operate a vendor certification program. Our coverage should not be interpreted as a security guarantee, regulatory approval, or endorsement of a product.

Better questions. Clearer evidence. More informed adoption.

Two things are kept separate on every news item: how far along the thing is, and how good the evidence is. A tool can be in production and still have no measured result behind it.

Stage

Announced

A company or regulator has said it will do something. Nothing has shipped, been adopted or been decided.

Pilot

Running for some users, some lines or some states, by the company's own description.

Live

In production, by the company's own description. This says nothing about results.

Proposed · Adopted · Filed · Ruled

For rules and cases: exposed for comment, finally adopted, filed with a court, or decided by one.

Evidence

Legal duty

A statute or adopted regulation, cited by section.

Regulator expectation

A bulletin or circular letter. We keep the regulator's own verb; "expects" never becomes "requires".

Recommendation

Defense counsel, an E&O carrier's loss-prevention guidance, a trade association.

Allegation

A pleading. Never reported as a finding, and never quoted for its damages figure as though established.

Company statement · Vendor statement

The company's own release or a statement reproduced in trade coverage. Not verified by anyone outside the company unless the item says so.

Survey

A published survey, with the sponsor and the sample size stated, or "sample size not disclosed".

Authored here

Our own procedures, thresholds and mappings, labelled so nobody mistakes our judgment for a requirement.

The Renewal Report is independently owned and funded by its editor. It carries no advertising and no sponsored content, and takes no money from vendors, carriers or MGAs it covers. If that ever changes, it will be said on this page first.

No sponsored content, no paid placements, and no affiliate arrangements with any vendor covered here. We do not accept free service in exchange for coverage.

Where a vendor offers a trial available to anyone, we take it on the same terms as any reader and say that we did. If a conflict of interest ever exists, it appears in the piece itself, not in a footer.

Nothing here is legal advice or coverage advice, and none of it establishes what any particular agency in any particular state is required to do.