Cyber incidents, artificial intelligence (AI) and business interruption continue to dominate the UK risk agenda, according to the Allianz Risk Barometer 2026.

Artificial intelligence (AI) is no longer a future concept; it's actively reshaping how the insurance industry operates. From underwriting and claims to customer experience and risk modelling, AI is transforming every link of the insurance value chain. But what does this mean for you as a client, for insurers, and for us as your broker? Below, we break down the key changes, opportunities, and considerations backed by the latest industry research and insights.

As an insurance broker, we sometimes hear new enquiries tell us: “Another broker didn’t ask for any of this information, it was so much easier!”-while we understand the appeal of fast and effortless quotes, the truth is that insurance based on assumptions can completely invalidate a claim.

Cyber-crime is on the rise globally and SME businesses are at increasing risk of having a security breach or attack.