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: This article was written with the 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 predicts that global labor market churn will reach 22 percent by 2030, with 170 million new jobs created and 92 million displaced due to technological, economic, and demographic shifts. It highlights that insurance claims adjusters rank among the fastest-declining professions by 2030, while tech-related roles such as AI and big data specialists are projected to grow rapidly.

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 drop 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 sister 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 strategy. 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 losing 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 legislative reforms. Despite failed efforts to impose higher taxes and disclosure mandates, both industries remain entrenched in a high-stakes battle.

Related article: Legal Finance and Insurance: From Confusion to Collaboration

5) Why Insurers Struggle to Underwrite, Price and Reserve for Commercial Auto Risks

In the first article of a three-part series authors from Milliman, Luminant and meshVI provide a data-rich analysis of the commercial auto market’s persistent challenges in profitability and risk modeling.

Insurers struggle with commercial auto risks due to soaring loss severity from inflation, complex vehicle tech, distracted driving, and huge jury awards (social inflation), making accurate pricing and reserving incredibly hard, especially with legacy systems and data gaps that hinder quick, precise underwriting, leading to underpriced policies and underestimated liabilities.

6) Why Progressive’s Customer Scores Lag State Farm, GEICO: J.D. Power

Customer experience and competitive dynamics were the focus of this deep dive into the latest J.D. Power rankings and what they reveal about service and trust differences among auto insurers. Even with standout financials, Progressive’s customer scores lag peers across regions—underscoring the tension between results and experience.

The U.S. Auto Insurance Study, now in its 26th year, measures customer satisfaction with auto insurers based on performance in seven core dimensions on a poor-to-perfect rating scale. Progressive falls farthest below the other carriers on the trust, problem resolution and people dimensions. “GEICO stands out from Progressive in trust and problem resolution, whereas State Farm stands out from Progressive in trust and people,” according to a J.D. Power representative.

7) Lemonade: 700K Customers on the Car Waitlist

According to this article profiling Lemonade’s car insurance expansion and growth strategy against established carriers, the company had a significant pipeline for its car insurance product, with 700,000 customers signed up on a waitlist in early 2025, indicating strong demand for its tech-driven, AI-powered, and telematics-based auto insurance. Lemonade aims to leverage its large existing customer base through cross-selling and to provide competitive, data-driven pricing to capture a substantial share of the large U.S. auto market, estimating that that it will grow overall in-force premiums across all lines from $1 billion to $10 billion by 2035.

8) California vs. Florida: A Tale of Two Insurance Markets

Regulatory and market comparisons were covered here, contrasting states’ approaches to pricing, catastrophe modeling, tort environments and regulatory reforms, along with S&P GMI data on comparative loss ratios and combined ratios.

Focusing on two major states, in particular, speakers at an S&P Global Ratings conference highlighted the collapse of California’s insurance market, attributing the downfall to price controls and regulatory burdens, while Florida’s legal reforms have stabilized its market and lowered insurance rates.

Until recently, homeowners insurers weren’t allowed to use catastrophe models to justify needed rate increases, or to include the cost of reinsurance in their rate indications in the state of California, and even though that’s available now, insurers don’t like the tradeoff they’re being asked to agree to in order to take advantage of reforms. Florida’s success in stabilizing its market highlights the benefits of state-level solutions, such as comprehensive litigation reforms that curbed rampant lawsuit abuse and attracted new insurers.

9) Taking Back Negotiation: Why Claim Professionals Must Lead the Next Chapter

“More frequently than not, claim professionals have the purse strings but counsel does the talking.”

That’s how Suite 200 Solutions Founder Taylor Smith summarized a recent survey finding that defense counsel now convey settlement offers more frequently than carrier claim professionals. Here, Smith reviewed several highlights of the survey of senior claim and litigation executives conducted by Suite 200 Solutions, an advisory firm for P/C claims and litigation management professionals. He also advanced the view that claim professionals should reclaim negotiation as a core competency and offered a how-to guide for carriers to follow to strengthen underused negotiation muscles.

The article provided the impetus for a multipart Carrier Management/Suite 200 educational series, “Negotiation Reclaimed,” for which Smith stepped into the role of guest editor.

Related articles:

The series continues in 2026.

10) Bringing Positive Vibes Back to Personal Lines Insurance

In an interview with Carrier Management, Nationwide Personal Lines President Casey Kempton explored how carriers should reframe personal lines strategies.

She outlined a customer-centric strategy focused on reshaping how policyholders perceive personal lines insurance. By leveraging insights from cognitive anthropology and real-world tools like telematics and smart home partnerships, Kempton argues that insurers can build trust and engagement by aligning coverage with positive customer experiences rather than just price competition.

What It All Means

According to AI’s reading of the top 10 Carrier Management features, the throughline for the 2025 articles is that execution matters.

AI is moving beyond pilots into underwriting and claims workflows. Litigation funding remains a structural cost driver, demanding strategic responses. And carriers are rethinking personal lines and regulatory engagement to restore resilience and trust.

Featured image: AI-generated image (ChatGPT)