Suresh Chandrasekharan // January 28, 2026 
(Image credit: BrianPenny/Pixabay.)
The insurance industry has made tangible progress with AI over the past few years. Fraud detection models are running in production. Intelligent document processing has automated work that once took days. Risk scoring algorithms are supporting underwriters with faster, more consistent decision-making. Yet fewer than one in ten insurance carriers have successfully scaled AI across their organizations, according to BCG research.
As insurers head into 2026, the challenge is less about introducing new AI capabilities and more about coordinating existing ones across workflows, grounding them in insurance context, and