{"id":35261,"date":"2025-12-18T08:53:15","date_gmt":"2025-12-18T07:53:15","guid":{"rendered":"https:\/\/stage2-fp.webenv.pl\/blog\/?p=35261"},"modified":"2026-01-08T14:28:23","modified_gmt":"2026-01-08T13:28:23","slug":"how-ai-augmentation-is-modernising-smart-follow-underwriting-in-the-london-market","status":"publish","type":"post","link":"https:\/\/www.future-processing.com\/blog\/how-ai-augmentation-is-modernising-smart-follow-underwriting-in-the-london-market\/","title":{"rendered":"How AI augmentation is modernising Smart Follow underwriting in the London Market"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"35261\" class=\"elementor elementor-35261\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61e7f4af e-con-full e-flex e-con e-parent\" data-id=\"61e7f4af\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e181a06 elementor-widget elementor-widget-fp_breadcrumbs\" data-id=\"5e181a06\" data-element_type=\"widget\" data-widget_type=\"fp_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"o-breadcrumbs  o-margin--first-section\">\n    <div class=\"o-container\">\n        <a\n            href=\"https:\/\/www.future-processing.com\"\n            class=\"o-breadcrumbs__link o-breadcrumbs__link--home\"\n            aria-label=\"Home\"\n            data-elementclick=\"Breadcrumbs link\"\n            data-elementname=\"Breadcrumbs Home\"\n        >\n            Home        <\/a>\n        <a\n            href=\"https:\/\/www.future-processing.com\/blog\"\n            class=\"o-breadcrumbs__link\"\n            aria-label=\"Blog\"\n            data-elementclick=\"Breadcrumbs link\"\n            data-elementname=\"Breadcrumbs Blog\"\n        >\n            Blog        <\/a>\n                                                                <span aria-current=\"page\" class=\"o-breadcrumbs__title\">How AI augmentation is modernising Smart Follow underwriting in the London Market<\/span>\n            <\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7df8b3f1 toc-ignore elementor-widget elementor-widget-fp_banner-post\" data-id=\"7df8b3f1\" data-element_type=\"widget\" data-widget_type=\"fp_banner-post.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"s-banner-post o-margin__top--standard  o-margin__bottom--standard  m-gradient-light\" >\n    <div class=\"s-banner-post__background\">\n                    <img fetchpriority=\"high\" decoding=\"async\" width=\"1156\" height=\"603\" src=\"https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/10\/bg_banner_single_post.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/10\/bg_banner_single_post.png 1156w, https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/10\/bg_banner_single_post-300x156.png 300w, https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/10\/bg_banner_single_post-1024x534.png 1024w, https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/10\/bg_banner_single_post-768x401.png 768w\" sizes=\"(max-width: 1156px) 100vw, 1156px\" \/>            <\/div>\n    <div class=\"o-container\">\n        <div class=\"row\">\n            <div\n                class=\"s-banner-post__categories col-small-24 col-tablet-22 col-medium-14 col-big-15 col-laptop-14 col-fullhd-13 col-qhd-15\"\n            >\n                                    <a\n                        href=\"https:\/\/www.future-processing.com\/blog\/?category=ai-ml\"\n                        class=\"s-banner-post__categories-button o-button o-button--secondary o-button--rounded o-button--s\"\n                    >\n                        AI\/ML                    <\/a>\n                            <\/div>\n            <div\n                class=\"s-banner-post__content col-small-24 col-tablet-22 col-medium-14 col-big-15 col-laptop-14 col-fullhd-13 col-qhd-15\"\n            >\n                <h1 class=\"f-headline-semi-huge f-line\">\n                    How AI augmentation is modernising Smart Follow underwriting in the London Market                <\/h1>\n                <div class=\"s-banner-post__description f-headline-extra-big\">\n                    The insurance market is changing faster than at any point in recent memory. Competitive pressure, rising costs and a more complex global risk landscape are evolving at the same time that artificial intelligence is beginning to influence how insurers work.                <\/div>\n                <div class=\"s-banner-post__details\">\n                    <div class=\"s-banner-post__date f-paragraph\">\n                        <svg class='o-icon o-icon--16 o-icon--calendar '>\n            <use xlink:href='#icon-16_calendar'><\/use>\n          <\/svg>                        <b>Last update date: <\/b>\n                        08 January 2026                    <\/div>\n                                        \n<div class=\"o-social-media  f-paragraph\">\n    <b>Share on: <\/b>\n            <a href=\"http:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.future-processing.com%2Fblog%2Fhow-ai-augmentation-is-modernising-smart-follow-underwriting-in-the-london-market%2F\" aria-label=\"Share on Facebook\" target=\"_blank\" rel=\"noopener noreferrer\" 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data-elementclick=\"social-media-link\" data-elementname=\"LinkedIn\">\n            <svg class='o-icon o-icon--16 o-icon--linkedin2 '>\n            <use xlink:href='#icon-16_linkedin-2'><\/use>\n          <\/svg>        <\/a>\n    <\/div>\n                <\/div>\n            <\/div>\n            <div\n                class=\"s-banner-post__authors-wrapper col-small-24 col-tablet-22 off-medium-1 col-medium-8 off-big-2 col-big-7 off-laptop-4 col-laptop-6 off-fullhd-5 off-qhd-2 col-qhd-7\"\n            >\n                <div class=\"o-pill o-pill--brand o-pill--circle\"><\/div>\n                <h2 class=\"s-banner-post__authors-header f-headline-semi-large f-line\">\n                    <strong>Written by:<\/strong>\n                <\/h2>\n                <div class=\"s-banner-post__authors\">\n                                                                    <div class=\"s-banner-post__author\">\n                            \n<div class=\"o-person-linkedin o-pill o-pill--image  o-person-linkedin--no-shadow o-person-linkedin--has-link\">\n            <img decoding=\"async\" width=\"240\" height=\"480\" src=\"https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/10\/ppiekos_blog_240_480.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/10\/ppiekos_blog_240_480.jpg 240w, https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/10\/ppiekos_blog_240_480-150x300.jpg 150w\" sizes=\"(max-width: 240px) 100vw, 240px\" \/>                <a class=\"o-person-linkedin__linkedin\" href=\"https:\/\/www.linkedin.com\/in\/piotrpiekos\/\" target=\"_blank\" aria-label=\"LinkedIn\" data-elementclick=\"person-linkedin-url\" rel=\"noopener\">\n            <svg class='o-icon o-icon--16 o-icon--linkedin '>\n            <use xlink:href='#icon-16_linkedin'><\/use>\n          <\/svg>        <\/a>\n    <\/div>\n                            <p class=\"f-paragraph s-banner-post__author-name\">\n                                Piotr Pi\u0119ko\u015b                            <\/p>\n                                                            <p class=\"f-paragraph s-banner-post__author-position\">\n                                    Head of Insurance Practice                                <\/p>\n                                                                                        <a href=\"https:\/\/www.future-processing.com\/blog\/author\/ppiekos\/\" class=\"o-button o-button--tertiary o-button--arrow o-button--icon-right o-button--m\">\n                                    More from this author                                    <svg class='o-icon o-icon--16 o-icon--arrow '>\n            <use xlink:href='#icon-16_arrow'><\/use>\n          <\/svg>                                    <svg class='o-icon o-icon--24 o-icon--arrow '>\n            <use xlink:href='#icon-24_arrow'><\/use>\n          <\/svg>                                <\/a>\n                                                    <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-709b248 e-flex e-con-boxed e-con e-child\" data-id=\"709b248\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a45afdc e-con-full e-flex e-con e-child\" data-id=\"a45afdc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c042d6d elementor-widget elementor-widget-table-of-contents\" data-id=\"4c042d6d\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:&quot;.toc-ignore&quot;,&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_widescreen&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h2 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of contents\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__4c042d6d\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fa7926d elementor-widget elementor-widget-fp_social-media\" data-id=\"5fa7926d\" data-element_type=\"widget\" data-widget_type=\"fp_social-media.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"o-social-media o-social-media--border f-paragraph\">\n    <b>Share on: <\/b>\n            <a href=\"http:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.future-processing.com%2Fblog%2Fhow-ai-augmentation-is-modernising-smart-follow-underwriting-in-the-london-market%2F\" aria-label=\"Share on Facebook\" target=\"_blank\" rel=\"noopener noreferrer\" data-elementclick=\"social-media-link\" data-elementname=\"Facebook\">\n            <svg class='o-icon o-icon--16 o-icon--facebook '>\n            <use xlink:href='#icon-16_facebook'><\/use>\n          <\/svg>        <\/a>\n            <a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.future-processing.com%2Fblog%2Fhow-ai-augmentation-is-modernising-smart-follow-underwriting-in-the-london-market%2F\" aria-label=\"Share on Twitter\" target=\"_blank\" rel=\"noopener noreferrer\" data-elementclick=\"social-media-link\" data-elementname=\"Twitter\">\n            <svg class='o-icon o-icon--16 o-icon--x '>\n            <use xlink:href='#icon-16_x'><\/use>\n          <\/svg>        <\/a>\n            <a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https%3A%2F%2Fwww.future-processing.com%2Fblog%2Fhow-ai-augmentation-is-modernising-smart-follow-underwriting-in-the-london-market%2F\" aria-label=\"Share on LinkedIn\" target=\"_blank\" rel=\"noopener noreferrer\" data-elementclick=\"social-media-link\" data-elementname=\"LinkedIn\">\n            <svg class='o-icon o-icon--16 o-icon--linkedin2 '>\n            <use xlink:href='#icon-16_linkedin-2'><\/use>\n          <\/svg>        <\/a>\n    <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d0ad270 e-con-full js-post-content s-post-content e-flex e-con e-child\" data-id=\"5d0ad270\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1781e3a5 elementor-widget elementor-widget-text-editor\" data-id=\"1781e3a5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Many <strong>organisations are experimenting with tools<\/strong> that can ingest information, uncover patterns and support more informed portfolio decisions.<\/p><p>Nevertheless, <strong>much of the market still relies on repeated manual processes<\/strong>, with each firm cleansing data separately. This leads to inconsistent inputs and underwriting decisions, and valuable insight often remains trapped in isolated systems. A shift is beginning to occur, though progress varies across the market.<\/p><p>To better understand <strong>how this shift is playing out in practice<\/strong>, we sat down with <a href=\"https:\/\/www.linkedin.com\/in\/bernadette-tredger-086836173\/\" target=\"_blank\" rel=\"noopener\">Bernadette Tredger<\/a>,\u00a0Head of Portfolio Management at <a href=\"https:\/\/apollounderwriting.com\/smart-follow\/\" target=\"_blank\" rel=\"nofollow noopener\">Apollo\u2019s Smart Follow<\/a> initiative who has over 20 years of experience in the London market, as part of our IT Insights InsurTalk series.<\/p><p>Bernadette\u2019s experience spans actuarial science, underwriting strategy and data-led portfolio management, giving her a <strong>broad perspective on the role of AI in today\u2019s market<\/strong>. As Bernadette noted in our recent chat,<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c07d40a elementor-widget elementor-widget-fp_quote\" data-id=\"c07d40a\" data-element_type=\"widget\" data-widget_type=\"fp_quote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"o-quote o-quote--left\">\n            <svg class=\"o-quote__icon\"\n                            >\n                                <use xlink:href=\"#quotation-mark\"><\/use>\n            <\/svg>\n            <div\n                class=\"o-quote__text f-paragraph f-paragraph o-quote__text--italic\"\n            >\n                <div >\n                    <p><i><span style=\"font-weight: 400\">AI can execute much of the underwriting workload\u2026 but we emphasise strong links with producers of business<\/span><\/i><\/p>                <\/div>\n            <\/div>\n            <div class=\"o-quote__author f-paragraph \">\n                \n                \n                <div class=\"o-quote__author-info\">\n                    <div class=\"o-quote__author-name\">\n                        <div\n                                                    >\n                            Bernadette Tredger                        <\/div>\n                    <\/div>\n                    <div\n                        class=\"o-quote__author-position\"\n                    >\n                        <div >\n                            Head of Portfolio Management, Apollo\u2019s Smart Follow                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-734255e elementor-widget elementor-widget-text-editor\" data-id=\"734255e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The <strong>balance between technical capability and human oversight<\/strong> is becoming one of the defining issues for insurers as they consider the next stage of their development.<\/p><p>The conversation reflects a <strong>market that is searching for ways to work faster,<\/strong> <strong>make better use of data and align technology with the judgement<\/strong> that sits at the heart of underwriting, particularly in Smart Follow capacity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a63252 elementor-widget elementor-widget-heading\" data-id=\"2a63252\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b> Why Smart Follow capacity is ripe for transformation <\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7228f0a elementor-widget elementor-widget-text-editor\" data-id=\"7228f0a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Smart Follow capacity<\/strong> has always been an essential part of the London market. It refers to the<strong> portion of capacity provided by insurers that do not lead a placement<\/strong> but choose to follow the terms agreed by the lead underwriter.<\/p><p>These followers accept the rate, wording and conditions already negotiated by the lead and participate on that basis, allowing the market to syndicate large risks efficiently, although it also means<strong> many organisations work from the same underlying information<\/strong>. That is where the strain begins to show.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cce2bba elementor-widget elementor-widget-fp_cta\" data-id=\"cce2bba\" data-element_type=\"widget\" data-widget_type=\"fp_cta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"o-cta\">\n    <div class=\"o-cta__pill-container\">\n                    <img decoding=\"async\" width=\"120\" height=\"260\" src=\"https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/01\/pill-Insurence-3.jpg\" class=\"attachment-full size-full\" alt=\"\" \/>            <\/div>\n    <div class=\"o-cta__text-container\">\n                                    <div class=\"f-paragraph\"><p><strong>Revolutionise your claims operations with futureClaims\u2122<\/strong><\/p><p>futureClaims\u2122 is an advanced platform designed to meet the demanding requirements of complex commercial and specialty claims, including the London Market.<\/p><\/div>\n                                    <div class=\"o-cta__buttons-container\">\n                                    <a class=\"o-button o-button--primary o-button--xs o-button--arrow o-button--icon-right\" href=\"https:\/\/www.future-processing.com\/insurance-industry\/?utm_source=blogbanner\" target=\"_self\">\n                        <span>Learn more<\/span>\n                        <svg class='o-icon o-icon--10 o-icon--arrow '>\n            <use xlink:href='#icon-10_arrow'><\/use>\n          <\/svg>                        <svg class='o-icon o-icon--16 o-icon--arrow '>\n            <use xlink:href='#icon-16_arrow'><\/use>\n          <\/svg>                    <\/a>\n                                                    <a class=\"o-button o-button--secondary o-button--xs o-button--arrow o-button--icon-right\" href=\"https:\/\/www.future-processing.com\/blog\/how-ai-augmentation-is-modernising-smart-follow-underwriting-in-the-london-market\/#contact-form\" target=\"_self\">\n                        <span>Contact us<\/span>\n                        <svg class='o-icon o-icon--10 o-icon--arrow '>\n            <use xlink:href='#icon-10_arrow'><\/use>\n          <\/svg>                        <svg class='o-icon o-icon--16 o-icon--arrow '>\n            <use xlink:href='#icon-16_arrow'><\/use>\n          <\/svg>                    <\/a>\n                            <\/div>\n            <\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-369ef04 elementor-widget elementor-widget-text-editor\" data-id=\"369ef04\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A single risk often passes through multiple firms, each one repeating much of the same work. Data is cleansed and restructured again and again, models are rebuilt from scratch and exposure checks are carried out in isolation. As Bernadette highlighted, <strong>\u201ceveryone cleans the data, everyone models\u201d, which captures the level of duplication that still shapes many underwriting decisions.<\/strong><\/p><p>This repetition is not simply inefficient, it<strong> fragments insight and slows decisions<\/strong>. It also means different firms often reach different conclusions from the same information. With specialist talent already stretched across financial services, the market cannot sustain a model where the same technical work is rebuilt in every syndicate.<\/p><p>The growing use of AI-driven submission processing and data enrichment tools offers a practical alternative. Instead of every firm repeating the same work, these<strong> tools centralise data capture and enrichment, reveal patterns often missed in manual review and flag potential exposure clashes earlier<\/strong>. When shared with trusted partners, the benefits scale: firms gain a consistent view of performance, brokers get faster answers and lead underwriters can defend and grow their books without being constrained by data volume.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d202540 elementor-widget elementor-widget-text-editor\" data-id=\"d202540\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Read more about underwriting on our blog:<\/p><ul><li><a href=\"https:\/\/www.future-processing.com\/blog\/digital-underwriting-mgas\/\" target=\"_blank\" rel=\"noopener\">Digital underwriting through the lens of MGAs<\/a><\/li><li><a href=\"https:\/\/www.future-processing.com\/blog\/the-practical-implementation-of-ai-augmented-underwriting\/\" target=\"_blank\" rel=\"noopener\">The practical implementation of AI-augmented underwriting<\/a><\/li><li><a href=\"https:\/\/www.future-processing.com\/blog\/the-digitisation-of-underwriting\/\" target=\"_blank\" rel=\"noopener\">The digitisation of underwriting<\/a><\/li><li><a href=\"https:\/\/www.future-processing.com\/blog\/how-to-save-the-underwriter-from-extinction\/\" target=\"_blank\" rel=\"noopener\">How to save the underwriter from extinction?<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecac96e elementor-widget elementor-widget-text-editor\" data-id=\"ecac96e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This is where much of the current progression is gathering momentum. The shift towards shared enrichment and augmented insight has the potential to raise standards across the follow market while still allowing individual firms to apply their own judgement and appetite. <strong>It marks a move away from a model defined by repeated manual effort<\/strong>, and towards one where improved data flow and consistent inputs create space for more strategic, portfolio-led underwriting.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b642e0a elementor-widget elementor-widget-heading\" data-id=\"b642e0a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b> How AI augmentation is redefining underwriting in the insurance market <\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc782a1 elementor-widget elementor-widget-text-editor\" data-id=\"cc782a1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The <strong>early conversation around AI in insurance often centred on the idea of full automation<\/strong>, with machines replacing large parts of the underwriting process. That expectation has faded as the practical limits of automation have become clearer. <strong>The value now lies in augmentation<\/strong>, where technology strengthens the quality and speed of underwriting without removing the judgement that experienced practitioners bring to the table.<\/p><p>Bernadette explained this shift clearly in our discussion, stressing that <em>\u201cthere will still be people, this won\u2019t be computers running themselves\u201d<\/em>. AI can collect and restructure information far faster than a human team, and it can<strong> reveal links across submissions that might remain unnoticed through manual review<\/strong>. What it cannot do is apply context, weigh degrees of uncertainty or understand how broader market conditions influence a risk. Those <strong>decisions still depend on human expertise<\/strong>, and the most effective AI models are being developed to support that expertise rather than replace it.<\/p><p>This is <strong>particularly relevant in Smart Follow capacity<\/strong>, where success depends on the ability to respond to submissions quickly while maintaining a consistent view of appetite and exposure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b43ac8 elementor-widget elementor-widget-fp_text_box\" data-id=\"3b43ac8\" data-element_type=\"widget\" data-widget_type=\"fp_text_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"o-text-box m-gradient-light o-text-box--shadow\">\n                    <div class=\"f-paragraph o-text-box__text\"><p>\u00a0Augmented underwriting helps achieve this by creating a more reliable flow of information into the underwriting process. With a clearer and more structured set of inputs, underwriters can concentrate on the points that matter most - from the strength of the lead to the pattern of accumulation across a portfolio.<\/p><\/div>\n    <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3cef3b elementor-widget elementor-widget-text-editor\" data-id=\"e3cef3b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The progression now taking place in the market is <strong>shaped by this balance<\/strong>. Firms are moving away from the idea of automation as an end goal and towards a model where AI provides the analytical foundation and humans carry out the interpretation.<\/p><p>The result is a <strong>more transparent approach to underwriting<\/strong>, where assumptions and data inputs are visible and traceable, and a <strong>more resilient one<\/strong>, where standardised, AI-supported workflows reduce manual exposure points and keep underwriting decisions consistent even during high-volume or resource-limited periods.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4abe466 elementor-widget elementor-widget-heading\" data-id=\"4abe466\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b> The rise of portfolio-led underwriting in the AI-enabled insurance market <\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31a455d elementor-widget elementor-widget-text-editor\" data-id=\"31a455d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A key sign of progress in the follow market is the<strong> move from assessing individual risks to viewing decisions at portfolio level<\/strong>. Firms are now looking at how each placement affects exposure, class balance and rate movement. <strong>AI speeds this up<\/strong> by providing quick access to structured data and revealing trends that once took days of manual analysis.<\/p><p>Bernadette explained how this works in practice. Bound risks are ingested quickly so portfolios can be updated and measured against expectations, creating a feedback loop where post-bind insights inform new business. This <strong>reduces reliance on intuition<\/strong> by highlighting appetite drift, emerging accumulations and areas where capacity can be added without increasing volatility.<\/p><p>As Bernadette explained,<strong> the real question becomes whether you are <em>\u201coverweight in \u2018blue ships\u2019 versus \u2018red ships\u2019\u201d<\/em><\/strong>, rather than whether a single risk looks attractive in isolation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-389ffe5 elementor-widget elementor-widget-fp_cta\" data-id=\"389ffe5\" data-element_type=\"widget\" data-widget_type=\"fp_cta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"o-cta\">\n    <div class=\"o-cta__pill-container\">\n                    <img decoding=\"async\" width=\"120\" height=\"260\" src=\"https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/01\/pill-Insurence-3.jpg\" class=\"attachment-full size-full\" alt=\"\" \/>            <\/div>\n    <div class=\"o-cta__text-container\">\n                    <div class=\"o-cta__logotype\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"230\" height=\"112\" src=\"https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/10\/hiscox_logo.jpg\" class=\"attachment-full size-full\" alt=\"\" \/>            <\/div>\n                                    <div class=\"f-paragraph\"><p><strong>Streamlining the claims underwriting process with an MVP integrating disparate data sources into a single system<\/strong><\/p><p>Our MVP will enhance data accessibility, improve user experience and operational efficiency for claims underwriters, enabling future AI-driven developments, including data synthesis and process automation.<\/p><\/div>\n                                    <div class=\"o-cta__buttons-container\">\n                                    <a class=\"o-button o-button--primary o-button--xs o-button--arrow o-button--icon-right\" href=\"https:\/\/www.future-processing.com\/case-studies\/hiscox-claims-management\/?utm_source=blogbanner\" target=\"_self\">\n                        <span>Read our case study<\/span>\n                        <svg class='o-icon o-icon--10 o-icon--arrow '>\n            <use xlink:href='#icon-10_arrow'><\/use>\n          <\/svg>                        <svg class='o-icon o-icon--16 o-icon--arrow '>\n            <use xlink:href='#icon-16_arrow'><\/use>\n          <\/svg>                    <\/a>\n                                                    <a class=\"o-button o-button--secondary o-button--xs o-button--arrow o-button--icon-right\" href=\"https:\/\/www.future-processing.com\/blog\/how-ai-augmentation-is-modernising-smart-follow-underwriting-in-the-london-market\/#contact-form\" target=\"_self\">\n                        <span>Contact us<\/span>\n                        <svg class='o-icon o-icon--10 o-icon--arrow '>\n            <use xlink:href='#icon-10_arrow'><\/use>\n          <\/svg>                        <svg class='o-icon o-icon--16 o-icon--arrow '>\n            <use xlink:href='#icon-16_arrow'><\/use>\n          <\/svg>                    <\/a>\n                            <\/div>\n            <\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-244c90a elementor-widget elementor-widget-text-editor\" data-id=\"244c90a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The <strong>discipline behind this model<\/strong> relies on more than data. Exposure limits, appetite rules and clearly defined controls still<strong> shape underwriting choices and help prevent outsized positions from forming<\/strong>. Many firms also use a blend of vanilla and more specialist risks to soften the impact of volatility, particularly in classes where loss patterns are uneven. AI plays a role in surfacing these relationships, but the <strong>decisions that follow remain firmly in human hands<\/strong>.<\/p><p>Current market activity supports this <strong>move towards portfolio-led underwriting<\/strong>. Technology can enhance facilities by encoding rules, automating referrals and providing real-time dashboards which gives underwriters far greater visibility over performance. They can see<strong> how each new risk affects the whole book<\/strong>, adjust their stance when deviations appear and keep brokers informed without slowing the placement process.<\/p><p>The progression taking place here is less about automation and more about<strong> strengthening the connection between information, appetite and action<\/strong>. With better data and quicker insight, underwriters can manage portfolios with more confidence and consistency, which is increasingly important as competition intensifies across the follow market.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d14dcd elementor-widget elementor-widget-heading\" data-id=\"0d14dcd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b> The barriers slowing AI adoption in the insurance and underwriting sector <\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79e2568 elementor-widget elementor-widget-text-editor\" data-id=\"79e2568\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For all the enthusiasm surrounding AI, genuine progress in the insurance market is still held back by several structural constraints.<\/p><h3><strong>Data scarcity and incomplete foundations<\/strong><\/h3><p>The first barrier is the scarcity of consistent, high quality data. Many firms star<strong>t new initiatives without the depth of information<\/strong> needed to build reliable models or justify performance expectations. As Bernadette noted, success begins with being <em>\u201copen minded about what is out there\u201d<\/em> and knowing how to identify benchmarks and structured datasets that can support augmentation. Without this foundation, even advanced tools deliver limited value.<\/p><h3><strong>A shortage of technical and domain expertise<\/strong><\/h3><p>A second barrier is the<strong> limited availability of people who understand both insurance and modern technology<\/strong>. Data science and engineering skills are in short supply across financial services, and this <strong>gap becomes more visible<\/strong> when firms try to integrate AI into underwriting or portfolio management. The market cannot sustain a structure where each firm builds and maintains its own complex data processes; the cost is too high and the expertise too scarce to solve the same problems repeatedly.<\/p><h3><strong>Caution, governance concerns and market perception<\/strong><\/h3><p>The third hurdle is market perception. AI-enabled underwriting is still new, and <strong>many organisations are cautious about adopting models that alter established workflows<\/strong>. Concerns around governance, accuracy and transparency shape how quickly firms are willing to move, especially where decisions carry regulatory consequences. This contributes to <strong>uneven adoption<\/strong> across the London market, with some organisations advancing rapidly and others taking a more measured approach.<\/p><h3><strong>How the market is beginning to respond<\/strong><\/h3><p>The emerging progression reflects these barriers. <strong>Actuarial benchmarks combined with structured data allow firms to build evidence frameworks<\/strong> that show expected portfolio behaviour.<\/p><p><strong>Shared enrichment cuts duplication and improves consistency<\/strong>, strengthening oversight and supporting clearer decision-making. <strong>Appetite-rule platforms help leads maintain control<\/strong> while benefiting from smoother information flow.<\/p><p>Collectively, these changes demonstrate <strong>how the market can overcome earlier constraints and adopt AI in a controlled, credible way<\/strong> without losing the accountability and judgement that define the London market.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1a86e7 elementor-widget elementor-widget-heading\" data-id=\"d1a86e7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b> The Future of AI-driven underwriting and follow capacity in the London Market <\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a38369 elementor-widget elementor-widget-text-editor\" data-id=\"4a38369\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The direction of travel in the follow market is becoming clearer. Early discussions often imagined fully autonomous underwriting, but the<strong> credible path blends augmented insight with strong governance<\/strong>.<\/p><p>Technology delivers speed and consistency, while underwriters retain control and apply the judgement that gives those insights value.<\/p><p>Bernadette emphasised this long-term view:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-557d219 elementor-widget elementor-widget-fp_quote\" data-id=\"557d219\" data-element_type=\"widget\" data-widget_type=\"fp_quote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"o-quote o-quote--left\">\n            <svg class=\"o-quote__icon\"\n                            >\n                                <use xlink:href=\"#quotation-mark\"><\/use>\n            <\/svg>\n            <div\n                class=\"o-quote__text f-paragraph f-paragraph o-quote__text--italic\"\n            >\n                <div >\n                    <p>There will still be people; this will not be computers running themselves.<\/p>                <\/div>\n            <\/div>\n            <div class=\"o-quote__author f-paragraph \">\n                \n                \n                <div class=\"o-quote__author-info\">\n                    <div class=\"o-quote__author-name\">\n                        <div\n                                                    >\n                            Bernadette Tredger                        <\/div>\n                    <\/div>\n                    <div\n                        class=\"o-quote__author-position\"\n                    >\n                        <div >\n                            Head of Portfolio Management, Apollo\u2019s Smart Follow                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7664b6d elementor-widget elementor-widget-text-editor\" data-id=\"7664b6d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>That sentiment is widely shared. Investors, regulators and brokers expect<strong> clear visibility into how decisions are made<\/strong> &#8211; a demand that will grow as portfolios become more data-heavy and AI assumes a larger share of the workload.<strong> Firms that can document material decisions, show where human oversight sits and explain model behaviour will be better placed to maintain confidence.<\/strong><\/p><p>Competitive advantage will <strong>move toward firms that refresh portfolios quickly and manage exposure with clarity<\/strong>. Clean data pipelines, fast ingestion and reliable enrichment form the base. Appetite-rule platforms and performance-tracking tools give underwriters the visibility needed to respond to change without being overwhelmed.<\/p><p>As this progression continues, the <strong>underwriter\u2019s role will evolve<\/strong>. Less manual review creates more space for thinking about portfolio shape, accumulation and strategy. <strong>Decisions remain with people,<\/strong> but the information supporting them becomes faster, clearer and more consistent. For firms that combine AI, data and expertise effectively, this points to a more agile and resilient underwriting model.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e507d7 elementor-widget elementor-widget-heading\" data-id=\"9e507d7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b> Summary <\/b>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4e01f4 elementor-widget elementor-widget-text-editor\" data-id=\"b4e01f4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Our conversation with Bernadette highlights a <strong>market that is progressing, although at different speeds<\/strong>. Smart Follow underwriting remains central to syndication in London, yet it still carries duplicated processes and inconsistent data handling. AI is helping address this by improving ingestion, enrichment and exposure visibility, reducing manual effort and improving the quality of inputs.<\/span><\/p><p>The<strong> shift from automation to augmentation<\/strong> sits at the heart of this change. AI improves the information underwriters work with, but judgement and oversight remain essential. As more firms adopt<strong> portfolio-led approaches<\/strong>, underwriters gain a clearer view of how each risk affects the wider book, enabling quicker and more controlled adjustments.<\/p><p>Progress is still shaped by <strong>barriers<\/strong> such as limited data, scarce technical talent and governance concerns. The firms moving fastest are those building strong foundations with structured datasets, benchmarking and shared enrichment, creating an environment where innovation and accountability align.<\/p><p>To explore these themes in more detail you can <a href=\"https:\/\/itinsights.tech\/insights-hub\/building-ai-enabled-follow-underwriting\/\" target=\"_blank\" rel=\"noopener\">watch our full discussion with Bernadette<\/a> as part of our IT Insights InsurTalk series.<\/p><p>With 25 years of experience in data harmonisation, digital engineering, consulting, AI and cloud solutions, <a href=\"http:\/\/www.future-processing.com\" target=\"_blank\" rel=\"noopener\">Future Processing<\/a> helps organisations modernise their technology landscape and deliver complex digital initiatives with confidence.<\/p><p>If you would like to <strong>discuss<\/strong> <strong>how our expertise can support your organisation\u2019s transformation goals<\/strong>, <a href=\"https:\/\/www.future-processing.com\/contact\/\" target=\"_blank\" rel=\"noopener\">contact us<\/a> today and we will work with you to find the right solution for your needs.<\/p><p>Future Processing works with organisations across many sectors to develop practical AI and data capabilities that improve decision making and reduce operational complexity.<\/p><p>If you are exploring similar challenges, we would be happy to discuss how our experience can support your goals and help shape a clear path forward.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f9b9fc4 e-con-full elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7f9b9fc4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1669935a toc-ignore elementor-widget elementor-widget-fp_sidebar\" data-id=\"1669935a\" data-element_type=\"widget\" data-widget_type=\"fp_sidebar.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"o-sidebar\">\n                            \n    <div class=\"o-sidebar__related-articles\">\n                    <h3 class=\"o-sidebar__title f-headline-semi-large\">Related articles<\/h3>\n                            <div class=\"o-sidebar__items\">\n                                    <div class=\"o-sidebar__item\">\n                                                    <div class=\"o-sidebar__item-photo\">\n                                <img loading=\"lazy\" decoding=\"async\" width=\"1290\" height=\"400\" src=\"https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/08\/Containers-Architecture-Components-Benefits-and-Challenges.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/08\/Containers-Architecture-Components-Benefits-and-Challenges.jpg 1290w, https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/08\/Containers-Architecture-Components-Benefits-and-Challenges-300x93.jpg 300w, https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/08\/Containers-Architecture-Components-Benefits-and-Challenges-1024x318.jpg 1024w, https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/08\/Containers-Architecture-Components-Benefits-and-Challenges-768x238.jpg 768w\" sizes=\"(max-width: 1290px) 100vw, 1290px\" \/>                            <\/div>\n                                                <div class=\"o-sidebar__item-text\">\n                                                            <div class=\"f-paragraph\">Improving claims process: why your best claims handlers are making the worst decisions<\/div>\n                            \n                                                            <a href=\"https:\/\/www.future-processing.com\/blog\/improving-claims-process\/\" class=\"o-button o-button--tertiary o-button--xs o-button--icon-right o-button--arrow\" data-elementname=\"sidebar\" data-elementtype=\"Read more\">\n                                    Read more                                    <svg class='o-icon o-icon--10 o-icon--arrow '>\n            <use xlink:href='#icon-10_arrow'><\/use>\n          <\/svg>                                    <svg class='o-icon o-icon--16 o-icon--arrow '>\n            <use xlink:href='#icon-16_arrow'><\/use>\n          <\/svg>                                <\/a>\n                                                    <\/div>\n                    <\/div>\n                                    <div class=\"o-sidebar__item\">\n                                                    <div class=\"o-sidebar__item-photo\">\n                                <img loading=\"lazy\" decoding=\"async\" width=\"1290\" height=\"400\" src=\"https:\/\/www.future-processing.com\/blog\/wp-content\/uploads\/2025\/05\/Application-Modernisation-cover.jpg\" 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href=\"https:\/\/www.future-processing.com\/blog\/insurance-claims-audit-hidden-costs\/\" class=\"o-button o-button--tertiary o-button--xs o-button--icon-right o-button--arrow\" data-elementname=\"sidebar\" data-elementtype=\"Read more:\">\n                                    Read more:                                    <svg class='o-icon o-icon--10 o-icon--arrow '>\n            <use xlink:href='#icon-10_arrow'><\/use>\n          <\/svg>                                    <svg class='o-icon o-icon--16 o-icon--arrow '>\n            <use xlink:href='#icon-16_arrow'><\/use>\n          <\/svg>                                <\/a>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n            <\/div>\n            \n                            <div class=\"o-sidebar__value\">\n                                            <h3 class=\"o-sidebar__title f-headline-semi-large\">Value we delivered<\/h3>\n                                                                                            <div class=\"o-sidebar__value-item\">\n                                                                    <div class=\"o-sidebar__number\">\n                                        <span class=\"o-sidebar__number-content\">\n                                                                                        <div class=\"f-grid-number\">\u00a31M to \u00a35M<\/div>\n                                                                                    <\/span>\n                                                                            <\/div>\n                                                                                                    <div class=\"o-sidebar__text f-paragraph\"><p>revenue increase for one of the products, accelerated go-to-market goals, and improved insurance trading efficiency<\/p><\/div>\n                                                                                                    <div class=\"o-sidebar__link\">\n                                        <a href=\"https:\/\/www.future-processing.com\/case-studies\/hiscox-floodplus\/\" class=\"o-button o-button--tertiary o-button--s o-button--icon-right o-button--arrow\" data-elementname=\"sidebar\" data-elementtype=\"Read the case study\">\n                                            Read the case study                                            <svg class='o-icon o-icon--16 o-icon--arrow '>\n            <use xlink:href='#icon-16_arrow'><\/use>\n          <\/svg>                                        <\/a>\n                                    <\/div>\n                                                            <\/div>\n                                                            <\/div>\n                    <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c923819 e-con-full e-flex e-con 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<div class=\"s-post-authors__background\">\n                        <div class=\"s-post-authors__text\">\n                            <h3 class=\"f-line\">\n                                <span class=\"f-headline-semi-large\"><b>Piotr Pi\u0119ko\u015b<\/b><\/span>\n                                                                    <p class=\"s-post-authors__position f-paragraph\">\n                                        Head of Insurance Practice                                    <\/p>\n                                                            <\/h3>\n                                                            <div class=\"s-post-authors__description f-paragraph\">\n                                    <p>Piotr is passionate about creating environments where companies can collaborate efficiently and in ways that contribute to their local communities. In his career in IT Piotr focused on defining cross-organisational interfaces on both interpersonal and technical levels that enable win-win situations.<\/p>\n<p>His past career in semiconductor industry as Systems Engineer propagates to the world of management where he emphasises the clarity of communication and organisational architectures focused on resilience and employees autonomy.<\/p>\n<p>In his free time, Piotr embraces the wild beauty of nature on his enduro mountain bike.<\/p>\n                                <\/div>\n                                                    <\/div>\n                        <div class=\"s-post-authors__buttons\">\n                            <a href=\"https:\/\/www.future-processing.com\/blog\/author\/ppiekos\/\" class=\"o-button o-button--xs o-button--tertiary o-button-arrow o-button--icon-right\">\n                                View more posts by&nbsp;Piotr                                <svg class='o-icon o-icon--10 o-icon--arrow '>\n            <use xlink:href='#icon-10_arrow'><\/use>\n          <\/svg>                                <svg class='o-icon o-icon--16 o-icon--arrow '>\n            <use xlink:href='#icon-16_arrow'><\/use>\n          <\/svg>                            <\/a>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b6229c8 toc-ignore elementor-widget elementor-widget-fp_contact_form\" data-id=\"2b6229c8\" data-element_type=\"widget\" id=\"contact-form\" data-widget_type=\"fp_contact_form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"s-contact-form js-form  o-margin__top--standard o-margin__bottom--standard s-contact-form--white\"  id=\"contact-form\">\n    <div class=\"o-container\">\n        <div class=\"row\">\n            <div class=\"s-contact-form__intro col-small-24 col-big-8 col-qhd-9\">\n                                    <h2 class=\"f-headline-extra-large f-line s-contact-form--hide-when-sent\">\n                        <p><b>Let&#8217;s talk<\/b><\/p>\n                    <\/h2>\n                                                                    <div class=\"s-contact-form__text f-headline-extra-big s-contact-form--hide-when-sent\">\n                        <p>Contact us and transform your business with our comprehensive services.<\/p>                    <\/div>\n                                                                    <div class=\"s-contact-form__email-wrapper js-copy\">\n                        <a class=\"s-contact-form__email js-copied-element f-headline-extra-big\"\n                           href=\"mailto:contact@future-processing.com\"\n                           data-elementclick=\"contact-email-click\"\n                           data-elementname=\"Email - 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Competitive pressure, rising costs and a more complex global risk landscape are evolving at the same time that artificial intelligence is beginning to influence how insurers work.<\/p>\n","protected":false},"author":233,"featured_media":35381,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2182],"tags":[],"coauthors":[2132],"class_list":["post-35261","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ai-ml"],"acf":{"reading-time":0,"show-toc-sublists":false,"image":"","logo":"","button1":{"button1_type":"none","button":""},"button2":{"button2_type":"none","button":""},"person":{"person_photo":"","person_name":"","person_position":""}},"_links":{"self":[{"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/posts\/35261","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/users\/233"}],"replies":[{"embeddable":true,"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/comments?post=35261"}],"version-history":[{"count":62,"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/posts\/35261\/revisions"}],"predecessor-version":[{"id":35367,"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/posts\/35261\/revisions\/35367"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/media\/35381"}],"wp:attachment":[{"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/media?parent=35261"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/categories?post=35261"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/tags?post=35261"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.future-processing.com\/blog\/wp-json\/wp\/v2\/coauthors?post=35261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}