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Why agency, not just innovation, will define insurance leaders

Jonathan Rusby, Director of P&C (EMEA) at INSTANDA

Legacy systems and slow development cycles are limiting insurers’ ability to act, which Jonathan Rusby, director of property and casualty for EMEA at Instanda, says makes operational agility and technology-enabled agency critical to staying competitive.

Insurers and MGAs are under sustained pressure to launch faster, adapt quicker and grow more profitably, and that pressure is increasingly structural. 

PWC’s Insurance Banana Skins 2025 report shows

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Mills Review means AI governance is now a boardroom issue

As insurers accelerate artificial intelligence adoption, Michael Sicsic, managing partner at Sicsic Advisory, argues success will depend not on moving fastest, but on balancing innovation with robust governance, accountability and continuous oversight of evolving risks.

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