Global insurtech report : the role of AI in the four largest business lines. Q3-Commercial insurance

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<subTitle>: the role of AI in the four largest business lines. Q3-Commercial insurance</subTitle>
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<abstract displayLabel="Summary">The documenthighlights a steady but evolving landscape in insurance technology, with total funding reaching USD1.01B across 76 deals the lowest count since Q2 2020. AI-centered Insurtechs dominated, capturing nearly 75% of funding, especially in commercial lines where AI is reshaping underwriting, claims, and distribution. Property & casualty InsurTechs saw a strong rebound, while life & health InsurTechs declined sharply. Reinsurers increased their tech investments, with MS&AD Holdings leading. Strategic acquisitions like Hiscox Corix and Applied Systems Cytora signal a push toward digitization. The report also explores AI's transformative role in commercial insurance, emphasizing human-AI collaboration, data quality, and regulatory compliance. Case studies from Boost, Bowhead, Redkik, and Gallagher Bassett illustrate practical AI applications. Investor insights stress the importance of explainability and partnerships. Over 50 strategic collaborations in Q3 reflect trends in embedded insurance, parametric solutions, healthtech, cybersecurity, and climate resilience, underscoring the sector's shift toward automation, personalization, and scalable digital infrastructure</abstract>
<tableOfContents displayLabel="Contents">The data center -- This quarter's data highlights -- Introduction -- Q3 InsurTech investment data highlights and foreword -- InsurTech team corner -- The future of AI in large commercial -- Investor corner -- Deals of the quarter -- Thought leadership -- InsurTech case studies -- The role of AI in surety underwriting</tableOfContents>
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