Gallagher InsurTech Report Q3 2025: 5 Strategic Insights for Carriers and Brokers
The latest Gallagher Global InsurTech Report reveals how AI, continuous data, and human-centric risk intelligence are reshaping commercial insurance. Here are the 5 insights that matter most.
Introduction
The Gallagher Global InsurTech Report (Q3 2025) spans 114 pages of deep analysis into how artificial intelligence, data, automation, and prevention technology are transforming the insurance landscape. Fortunately, SoterAI's agentic intelligence system was designed to process long-form reports like this—so you don't have to.
Below, we've distilled the five most strategic insights relevant to carriers and brokers—plus how SoterAI translates them into underwriting and safety advantage.
Download the Full Report
Access the complete 114-page Gallagher Global InsurTech Report Q3 2025 to explore detailed analysis of AI's role in commercial insurance.
Download Report (PDF)Top 5 Insights from the Report
Loss Control Tech Is the New Differentiator
The report reveals that insurers are increasingly being valued on how well they manage and prevent loss—not just respond to it. Advanced safety and risk-control tools are becoming underwriting differentiators.
What it means: Prevention data is now a measurable competitive asset for carriers and brokers.
Continuous Data Beats Annual Assessments
The shift is clear: the best insurers are moving beyond annual audits into continuous monitoring and real-time risk intelligence using IoT, sensors, and AI systems.
What it means: Carriers gain ongoing visibility; brokers can deliver proactive value to clients.
Human-Centric Data Becomes Underwriting Gold
Data capturing human behavior, ergonomics, and movement is rising as a powerful signal of risk. Carriers want evidence that safety programs reduce exposures and claims.
What it means: Measuring human performance gives you underwriting strength, not just safety compliance.
Transparent AI Builds Market Trust
The report underscores the demand for AI models that are explainable, auditable, and compliant. Insurers cannot deploy black-box systems when underwriting human risk.
What it means: Trustworthy AI is the baseline for modern underwriting tech choices.
ESG & Well-Being Are Reshaping Risk Ratings
Safety, worker wellbeing, and other human-capital metrics are now entering ESG and underwriting frameworks. Carriers are recognizing that safer workforces translate into lower risk and better ratings.
What it means: Safety programs feed not just operations, but capital strategy and reinsurance positioning.
SoterAI: Your Virtual Loss-Control Engine
SoterAI isn't just a tool—it's the data engine that transforms safety into underwriting performance.
What it delivers:
- Scale Loss Control Across Accounts – Implement an AI-powered audit & prevention framework across your full portfolio.
- Strengthen Underwriting Confidence – Dive into claims, inspections, and safety data to uncover hidden exposures and support decision-making.
- Differentiate at Renewal – Offer clients modern safety insights, documented outcomes, and value beyond coverage.
- Prove ROI – Track measurable improvements in loss ratios, incident reduction, and ESG performance.
How it works:
- Connect your data – Import claims, policies, inspections, images, and sensor output.
- Analyze fast – SoterAI identifies key risk drivers, benchmarks accounts, and surfaces priority actions.
- Act & report – Deliver prioritized action plans, renewal-ready reports, and audit-compliant documentation.
Paired with SoterCoach—the global leader in wearable ergonomic and movement sensing—SoterAI closes the loop between human performance and insurability, turning frontline data into underwriting value.
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Key Takeaways
Loss control technology is becoming a key differentiator for insurers, with prevention data now a measurable competitive asset.
Continuous monitoring and real-time risk intelligence are replacing annual audits as the industry standard.
Human-centric data capturing behavior, ergonomics, and movement is emerging as powerful underwriting intelligence.
Transparent, explainable AI is essential for building market trust and meeting compliance requirements.
ESG and worker wellbeing metrics are increasingly integrated into risk ratings and underwriting frameworks.
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