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10
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2026

The Future of Insurance is Submissionless | Five Industry Leaders Explain Why

Insurance is becoming more complex, but the way the industry works doesn’t have to be. In this compilation episode of Making Risk Flow, Juan de Castro and Jake Harding bring together insights from Luke Bills of Liberty Mutual, Patrick Meehan of Dun & Bradstreet, Simon de la Hoyde and Mark Varley of AddressCloud, and Ann Haugh of AXIS Capital to explore how technology can remove friction across the insurance value chain.From eliminating repetitive data entry and rekeying to enabling submissionless quoting, trusted identity, real-time APIs, and richer risk data, the conversation examines what it takes to build genuinely connected insurance workflows. The guests explore how AI can move beyond improving inefficient processes to fundamentally redesigning how work gets done, while allowing underwriters and brokers to focus on judgment rather than administration.The result is a vision of insurance where data flows seamlessly, decisions build on previous work, and technology enables people to focus on understanding and managing risk.

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