As 2025 unfolded, Carrier Management readers gravitated toward features that explored the intersection
of technology, economics, and strategy. From artificial intelligence transforming underwriting to litigation funding
reshaping claims costs, and regulatory shifts redefining market dynamics, here are the 10 most-viewed articles of the year.
(Editor’s Note: Carrier management is a sister publication of Insurance Journal. This article was written with th
help of AI tools, corrected by a human editor. See related article: Carrier Management’s 2025 Top Features)
1) AIG: Turning One Human Underwriter Into Five, ‘Turbocharging’ E&S
AIG’s deployment of generative AI in underwriting offers a compelling glimpse into AI’s potential to multiply human productivity. At AIG, AI tools are embedded
into core workflows to accelerate submissions and “turbocharge” growth in the excess and surplus lines market.
2) Future of Jobs: Claims Adjuster Among Fastest Declining Professions
The World Economic Forum’s Future of Jobs Report 2025 pre
dicts that global labor market churn will reach 22 percent by 2030, with 170 million new jobs created and 92 mi
llion displaced due to technological, economic, and demographic shifts. It highlights that insurance claims a
djusters rank among the fastest-declining professions by 2030, while tech-related roles such as AI and big data specialists are projected to grow rapidly.
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Across the wider spectrum of insurance activities, human-machine collaboration will handle 44 percent of tasks by 2030 (the same percentage as today).
At the same time, tech-only tasks will double to 31 percent from 16 percent in 2025, driving a corresponding dro
p in tasks accomplished by humans alone, which will fall to one-quarter of industry tasks from 41 percent today.
3) 5-Year Cost of Litigation Funding to Commercial Insurers Could Top $25B
EY quantified the growing financial impact of third-party legal financing on carrier profitability. EY’s modeling of direct
TPLF costs—and the indirect drag from longer, better-funded cases—kept social inflation squarely on the C-suite agenda.
(Editor’s Note: During the American Property Casualty Insurance Association’s annual meeting in Orlando in
October, EY representatives upped the five-year cost figure to $50 billion from $25 billion, according to our siste
r publication, Insurance Journal. Related IJ article: “Can a More Unified Front Be Formed Against Legal System Abuse?“)
4) War of Words
A rare public confrontation highlighted just how central TPLF has become to loss trends and insurer strate
gy. Here, readers explored the intensifying conflict between insurers and litigation funding firms, framing it as more
than rhetoric— a clash over market influence and claims costs that sparked strong industry debate.
Chubb CEO Evan Greenberg allegedly warned brokers, law firms, and banks to sever ties with funders or risk losin
g Chubb’s business, sparking accusations of anti-competitive behavior.
Critics of litigation funding argue that it inflates lawsuit costs and premiums, while proponents claim it enables fair access to justice. The debate spans legal, ethical,
and economic dimensions, with calls for greater transparency and legis
lative reforms. Despite failed efforts to impose higher taxes and disclosure mandates, both industries remain entrenched in a high-stakes battle.