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Navigating the Future of Commercial Insurance
Trends, challenges, and data-driven solutions for commercial insurance in 2025
For commercial insurance leaders and underwriters planning for 2025.
Key findings
- AI is moving from proof-of-concept to large-scale integration across insurance operations.
- Climate change could generate up to $183 billion in new premiums globally by 2040 (Swiss Re).
- Embedded insurance is opening the MSME segment as a major new distribution channel.
- Geopolitical risk and an AI talent shortage have become front-line underwriting concerns.
Overview
What this report covers
A look at the five forces reshaping commercial insurance in 2025: AI in operations, climate-conscious underwriting, embedded insurance, geopolitical risk, and the race for AI talent, with the company data underwriters need to meet each.
76%of insurers have deployed generative AI in at least one function (Deloitte)
$183Bin new premiums climate change could generate by 2040 (Swiss Re)
+25%rise in political risk insurance inquiries (Marsh McLennan)
Inside the report
Questions this report answers
- Which five forces will reshape commercial insurance in 2025?
- How is AI moving from proof-of-concept to large-scale underwriting operations?
- What does climate-conscious underwriting demand from your data?
- Why is embedded insurance opening the MSME market, and how do you reach it?
- How do you price geopolitical risk you cannot yet see?
Swiss Re estimates that up to $183 billion in premiums could be generated globally by 2040 due to climate change.
Contents
What’s inside
- Five transformative trends shaping commercial insurance in 2025
- AI becomes integral to insurance operations
- Climate-conscious underwriting
- Shifting toward embedded insurance models
- Geopolitical risk management and the rising need for AI talent
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Read the full 20-page report
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