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Future of Risk

Zurich North America

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Future of Risk looks at the changing risk and resilience landscape with insights on the challenges facing businesses today…and tomorrow. Each episode, we invite leaders and subject matter specialists to talk about current, emerging and evolving risks…and what you need to do to prepare your business for the road ahead. Presented by Zurich North America.
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Making Risk Flow is a podcast powered by Cytora. This insurance podcast is designed to bring clarity, know-how and inspiration in driving digital transformation for commercial insurers, paying particular attention to the automation of risk processing. This podcast, led by industry veteran Juan de Castro as well as insurance change-makers, will showcase their learnings, challenges and solutions that have, or haven’t, worked for them. If you are embarking on leading a transformational project ...
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Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. The series is a collection of our top episodes from this year. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday. In this episode replay, host Juan de Castro sits do…
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Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. The series is a collection of our top episodes from this year based on views, downloads, and overall engagement. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday. I…
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Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday. In this episode, Juan de Castro is joined by his colleagues, Rich Lewis, Cytora's Sales Director, and Zaheer Hooda…
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https://www.FutureOfRisk.com/ Discover how artificial intelligence is redefining the future—faster, smarter, and more customer-focused than ever before. In this episode of the Future of Risk by Zurich North America, host Justin Hicks discuss the rapid evolution of AI, highlighting trends like agentic and generative AI, explainable AI, and hyper-per…
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In this episode of Making Risk Flow, host Jake Harding speaks with Matthew Grant, founder and CEO of Instech and a veteran of 33 years in catastrophe modelling. Matthew unpacks why insurance’s cautious approach to AI is more strategic than sceptical. Together, they explore how carriers can align technology adoption with real business problems, buil…
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In this special compilation episode of Making Risk Flow, host Juan de Castro revisits conversations with the industry leaders who shaped Season 7. Join Allison Thornicroft, Yaemish Rughoo, Mark Allan, Greg Hendrick, Bilge Mert, Jean-Jacques Henchoz, and Lambros Lambrou to explore why speed and efficiency matter in commercial insurance, how AI and t…
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https://www.FutureOfRisk.com/ As artificial intelligence (AI) transforms the way we work and protect our businesses, are you ready for the risks—and the rewards—it brings? In this episode of the Future of Risk by Zurich North America, host Justin Hicks discusses the evolving risks of AI and machine learning with Barry Perkins, Chief Operations Offi…
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In this episode of Making Risk Flow, host Jake Harding speaks with Ross Wirth, Head of Strategic Tech Ecosystem at CyberCube, about why cyber insurance requires a new playbook for risk assessment. Ross explains how traditional underwriting struggles to keep pace with dynamic security environments, and why real-time data visibility is now essential …
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In this episode of Making Risk Flow, Juan de Castro sits down with Mark Allan, CEO of Ki Insurance, to explore how a digital-first, data-led approach is transforming underwriting in the London market. Mark shares how Ki combines algorithmic precision with human expertise to underwrite individual risks at unprecedented speed, while maintaining portf…
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Welcome to a new episode of Making Risk Flow: Exploring the Ecosystem. Our host Jake Harding welcomes Alan Ringvald, CEO and co-founder of Relativity6, to unpack how AI and multi-source data are redefining underwriting. Together, they explore why insurers must move beyond generic AI tools toward workflow-specific solutions that integrate seamlessly…
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https://www.FutureOfRisk.com/ Just as learning to read once unlocked access to knowledge, opportunity and participation in society, AI literacy is rapidly becoming a baseline skill for the modern workplace. In this episode of Zurich North America’s Future of Risk podcast, host Justin Hicks explores how understanding and using AI is fast evolving fr…
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In this episode of Making Risk Flow, host Juan de Castro welcomes Lambros Lambrou, Chief Strategy Officer at Aon, to explore how one of the world’s largest insurance brokers is transforming risk management through data, AI, and innovation. They discuss how global megatrends, trade, technology, weather, and workforce are reshaping the insurance land…
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https://www.FutureOfRisk.com/ Generative AI is transforming business at an unprecedented pace, but are organizations seeing real value from this rapid adoption? In the debut episode of Zurich North America’s Future of Risk AI miniseries, host Justin Hicks speaks with Kristen Bessette, Chief Data Officer at Zurich, and Anthony Meyers, Managing Direc…
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In this episode of Making Risk Flow, host Juan de Castro welcomes Graham Blackwell, President of Applied Systems, to explore the transformative power of technology in insurance. They discuss how Applied Systems and Cytora are joining forces to streamline workflows, reduce manual processes, and enhance collaboration between brokers and carriers. Fro…
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https://www.FutureOfRisk.com/ Extreme weather is creating unprecedented challenges for cities worldwide, with events like Valencia’s record-breaking rainfall and the L.A. wildfires highlighting the urgent need for urban resilience. Drawing on experience from New York City's $20 billion climate adaptation program and global initiatives like 100 Resi…
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In this special compilation episode of Making Risk Flow, host Juan de Castro revisits our conversations with industry leaders Carl Bach, Johan Slabbert, Bettina Dietsche, Cassandra Vukorep, and others to explore how digital transformation and AI are revolutionising the commercial insurance sector. This episode provides a discussion on efficient ope…
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https://www.FutureOfRisk.com/ Extreme weather is not a distant threat but an immediate business concern, requiring proactive strategies from leaders and boards to protect assets and maintain a competitive advantage. As climate-related disasters become more frequent and severe, organizations must rethink their approach to resilience and long-term pl…
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In this episode of Making Risk Flow, host Juan de Castro is joined by Jean-Jacques Henchoz (JJ), Non Executive Director, Brit Insurance and a non executive director across the insurance value chain, to explore the future of insurance. With over 25 years of industry experience, JJ shares his perspectives on how insurers can remain relevant by addres…
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https://www.FutureOfRisk.com/ The frequency and impact of severe weather events— floods, high winds, and heatwaves—on construction sites is rising. What does this mean for worker safety and project budgets? Listen to the latest Future of Risk podcast in our Extreme Weather miniseries. We cover wearable safety technology, AI-powered weather forecast…
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In this episode of Making Risk Flow, host Juan de Castro speaks with Bilge Mert, Chief Technology and Transformation Officer at Brit Insurance, about what it takes to drive meaningful digital transformation in commercial insurance. Bilge shares her approach to standardising processes across lines of business, leveraging AI to unlock efficiency, and…
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http://www.FutureOfRisk.com In the first episode of the Extreme Weather miniseries on Future of Risk by Zurich North America, Arooran Sivasubramaniam, Head of Zurich Resilience Solutions, and Pete Caminiti, Chief Underwriting Officer, Zurich North America, explore how businesses can navigate the growing threat of extreme weather events. While advan…
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In this episode of Making Risk Flow, host Juan de Castro sits down with Greg Hendrick, CEO of Vantage Risk Companies, to unpack what it takes to build a modern underwriting company from the ground up, right in the middle of a pandemic. Greg reveals how Vantage has grown to $1.2B in equity by combining the best of traditional underwriting expertise …
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In this panel episode of Making Risk Flow, host Juan de Castro dives into the transformative power of generative AI in insurance with three industry experts: Allison Thornicroft, VP and Business Solutions Lead at Arch Insurance Group, Neeren Chauhan, Chief Innovation and AI Officer at Tokio Marine, and Yaemish Rughoo, Information Technology Program…
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https://www.FutureOfRisk.com/ Listen as Deirdre Manna of Zurich North America and Adam Shores of the American Property Casualty Insurance Association share a midyear legislative update on tort reform efforts across the U.S. They discuss legislative successes in states such as Florida and Georgia. The conversation also highlights the expanding coali…
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In this special panel edition recorded at the InsureTech Insights 2025 the panel, including Cytora's Head of North America Zaheer Hooda, have a forward-looking conversation on the evolution of the industry from InsurTech 2.0 to 3.0. Joining him in the panel are Nicholas Chen (MD Financial Services, Accenture), Camilla Serna (Global Revenue Officer …
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Welcome to Cytora’s Practitioner’s Guide, a new series from Making Risk Flow. In each episode, we sit down with experts from Cytora’s global team to explore practical strategies, real-world applications, and emerging insights from the front lines of risk digitization and underwriting transformation. In this episode, Juan de Castro is joined by Rich…
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http://www.FutureOfRisk.com Future of Risk is recording live at RIMS RISKWORLD! The world is changing quickly, so are the risks that businesses face. Jon Tate, Head of Core Risk Engineering, talks about Zurich Resilience Solutions’ (ZRS) deep expertise helps customers understand and protect themselves from risk. Plus, he highlights on how ZRS makes…
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http://www.FutureOfRisk.com Future of Risk is recording live at RIMS RISKWORLD! Middle Market is growing! And Zurich’s capabilities align to our customer needs. Stan Bernard, Head of Industry Practices for U.S. Middle Market for Zurich North America, highlights the areas Zurich is investing in that are helping to fuel our growth. Recorded date: 5/5…
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http://www.FutureOfRisk.com Future of Risk is recording live at RIMS RISKWORLD in Chicago! AI is transforming the insurance landscape. Paul Lavelle, Head of U.S. National Accounts, and Tobias Cushing, Deputy Chief Underwriting Officer, joins us to share how AI is helping Zurich's underwriting claims professionals focus on data analysis, decision ma…
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http://www.FutureOfRisk.com Future of Risk is recording live at RIMS RISKWORLD! Social inflation and legal system abuse impacts everyone: the insurance industry, businesses and customers. Keith Daly, Chief Claims Officers for Zurich North America, discusses the drivers and impacts of legal system abuse. Plus, he talks about a multi-industry legal s…
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In this episode of Making Risk Flow, host Juan de Castro sits down with Cassandra Vukorep, Chief Data and AI Officer at Lloyd’s of London, to explore the impact of data and AI on commercial insurance. They discuss Lloyd’s role as an ecosystem platform for over 100 syndicates, the importance of data standardisation, and efforts to streamline operati…
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https://www.FutureOfRisk.com/ In the final episode of Zurich North America's "Future of Risk" podcast miniseries on social inflation, James Beal, Executive Director at Georgians for Lawsuit Reform, and Rebecca Fozo, Claims Judicial & Legislative Affairs, at Zurich North America, delve into premises liability. They discuss the legal responsibilities…
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In this episode of Making Risk Flow, host Juan de Castro speaks with Carl Bach, CEO of Hartford Underwriting Agency, about how a 200-year-old insurer is modernising for the future. They discuss Hartford’s brand refresh, maintaining its historic stag emblem while evolving its global identity. Carl outlines the strategic transformation of the company…
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https://www.FutureOfRisk.com/ Zurich North America's, “Future of Risk” podcast, delivers another eye-opening episode of the social inflation podcast mini-series, underscoring the need for a unified response to the escalating challenges posed by plaintiffs’ tactics and the significant impact it is having on businesses and consumers alike. Zurich Nor…
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In this episode of Making Risk Flow, host Juan de Castro welcomes Jonathan Spry, CEO and co-founder of Envelop Risk, for an insightful discussion on how AI and advanced analytics are transforming cyber insurance. They explore Envelop Risk’s “data flywheel” strategy, emphasising the power of data-driven decision-making in risk assessment. Jonathan s…
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https://www.FutureOfRisk.com/ In this eye-opening episode of the social inflation miniseries, Zurich North America’s Delpha DiGiacomo, Head of Claims Investigative Services and Lynne Grinsell, Vice President and Head of State Affairs, Government & Regulatory Relations, and Kristin Thorne, an Emmy Award-winning investigative reporter, discuss the al…
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This episode of Making Risk Flow is a recording of an event hosted by Cytora and InsTech to bring industry stakeholders, including clients and key industry executives, to the table to discuss how they are approaching digitisation. Juan is joined by James Platt, Henry Withinshaw, and Jonathon Gray to explore how digital transformation is reshaping c…
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https://www.FutureOfRisk.com/ In this crucial discussion, guests explore the pressing issue of nuclear verdicts and the massive jury awards that can drive up costs for businesses and consumers. Join Rachelle Mortimer, Senior Director of the U.S. Chamber of Commerce Institute and Lisa Bellino, VP, Claims Judicial & Legislative Affairs, Zurich North …
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In this episode of Making Risk Flow, host Juan de Castro is joined by Laurent Rousseau, CEO of Global Capital Solutions at Guy Carpenter, to discuss leadership, success, and the evolving role of insurance in society. Laurent reflects on his career journey from equity analyst to CEO, sharing his personal definition of success: one that prioritises i…
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https://www.FutureOfRisk.com/ Discover how outside investors impact lawsuits, while examining whether their involvement is a game changer for plaintiffs, a controversial practice or filled with unknown risks. Learn about the challenges, the impact on businesses and the financial toll on everyday consumers. Join Sherman “Tiger” Joyce, President of t…
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In this episode of Making Risk Flow, host Juan de Castro is joined by Marcus Ryu, Co-founder of Guidewire, to explore his fascinating entrepreneurial journey and the transformative role of technology in the insurance industry. Marcus reflects on his nearly two decades of experience building Guidewire into a company that revolutionised insurance. Fr…
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www.futureofrisk.com Discover the staggering costs of the U.S. tort system and its impact on businesses and households. Join Deirdre Manna, Senior Vice President, Head of Government and Regulatory Relations Zurich North America and Adam Shores, Senior Vice President, State Government Relations, American Property Casualty Insurance Association, as t…
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Here it is, the moment we’ve been counting down to! As we wrap up our Top 5 Most Downloaded Episodes of 2024, we’re thrilled to re-release the No. 1 episode of the year. In this standout conversation, host Juan de Castro sits down with Andrew Horton, Group CEO of QBE Insurance, a global leader operating in 26 countries and ranked among the world’s …
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We’re nearing the top of our countdown! As we celebrate the Top 5 Most Downloaded Episodes of 2024, this week we’re revisiting the conversation that landed at No. 2. In this episode, host Juan de Castro is joined by James Platt, Co-Founder and Operating Partner at Trimstone Partners. James brings a wealth of experience in operational transformation…
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The countdown continues! As we approach the end of 2024, we’re revisiting the Top 5 Most Downloaded Episodes of the Year on Making Risk Flow. This week, we’re diving into No. 3, a thought-provoking conversation with Jacob Palmer, Partner at Boston Consulting Group (BCG). With over 13 years of experience in consulting, risk management, and insurance…
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The countdown continues! As we approach the end of 2024, we’re revisiting the Top 5 Most Downloaded Episodes of the Year on Making Risk Flow. This week, we’re diving into No. 4, a fascinating conversation with Clive Buesnel, former CEO of Tysers and current Managing Partner, International at Insurance Advisory Partners. Whether you’re revisiting th…
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Welcome to a special end-of-year series on Making Risk Flow! As we count down the final weeks of 2024, we’re revisiting the Top 5 Most Downloaded Episodes of the Year. Each Tuesday, we’ll re-release one standout episode, starting with the fifth most popular and building up to the fan favourite at No. 1. To kick things off, we’re thrilled to revisit…
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In this episode of Making Risk Flow, host Juan de Castro speaks with Johan Slabbert, an Independent Senior Advisor for Insurance Advisory Partners, to delve into the transformative impact of AI and data analytics on the insurance industry. With over 30 years of international experience, Johan has held key executive roles, including CFO for Latin Am…
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In this episode of Making Risk Flow, host Juan de Castro speaks with Jillian Slyfield, the Chief Innovation Officer at Aon, a global leader in risk management and insurance solutions, helping organisations tackle complex risks with innovative, data-driven approaches. With years of experience at the forefront of technological change, Jillian has a u…
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www.futureofrisk.com Please note that this episode was recorded prior to Hurricanes Helene and Milton. In the final episode of the “Market in Transition” miniseries on the Future of Risk podcast, Eric Cittadino, Head of Programs at Zurich North America, and Dawn Hiestand, Head of Group Captives at Zurich North America, explore specialized insurance…
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