VCIA2025: Navigating the Current State and Anticipating the Future of Insurance

August 13, 2025

Insurance has been a commodity and a cost item in a number of exposures for a long period of time. Recent dynamic changes in the marketplace such as the increase in the cost of catastrophic property and casualty claims, the greater incidence of high-cost cyber incidents and the increase in large cost medical claims have transformed the marketplace. It has become increasingly necessary to be knowledgeable about insurance exposure and to be more active in the mitigation or minimization associated with risk cost levels.

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In this session, insurance industry veterans share insights on the current landscape of the insurance market and explore key trends, emerging technologies and views on the future that are shaping the industry during this era of unprecedented change. 

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Learning objectives:  

  • Gain an overview of the insurance market, highlighting significant shifts in insureds behavior, regulatory changes, and economic factors influencing the industry
  • Gain knowledge of technological Innovations: Explore how advancements in AI, big data, and Insurtech are revolutionizing underwriting processes, claims management, and customer engagement
  • Understand how risk management is changing with evolving risk – such as cyber threats, property catastrophe impacts and social inflation are prompting insurers to rethink traditional risk assessment and coverage strategies
  • Gain insights into future market trends, including the rise of alternative risk transfer mechanisms (including captives), the impact of sustainability initiatives, and the potential for further consolidation within the industry

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Resources

Slide Deck

Who Should Watch

  • Captive owners, board members & corporate executives
  • Captive managers, administrators & service providers
  • Insurance brokers, intermediaries & commercial risk executives
  • Regulatory professionals & domicile representatives
  • Risk managers & enterprise risk professionals
  • Technology & insurtech professionals

Speakers

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Richard Cutcher
Founder

Richard is an experienced captive insurance journalist and respected commentator, having covered the sector around the world since 2014.

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In 2019, Richard launched the Global Captive Podcast to communicate this varied industry through a new and more intimate medium. He launched Captive Intelligence in 2022, building it into the industry’s most trusted online source of news, analysis and thought leadership.

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Prior to starting his own business, he was Editor of Captive Review magazine from 2014 to 2018, before joining the UK’s risk and insurance management association, Airmic.

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Richard read History at the University of York and gained the NCTJ journalism diploma from News Associates in Wimbledon. Based in London now, he previously lived and worked in Cape Town and New York.

Joe Peiser
CEO, Commercial Risk

Joe leads the global Commercial Risk executive team at AON. He is responsible for driving Commercial Risk’s strategies and the overall growth agenda in the continued development of innovative solutions that meet the growing needs of our clients. He succeeds Lambros Lambrou, who was named CEO of Human Capital, leading Aon’s Health, Wealth and Talent Solutions.

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Prior to joining Aon in 2021 as the Head of Commercial Risk for North America, Joe was the Head of Broking for Willis Towers Watson. There, he led the broking strategy, including the deployment of its technology-based Broking Platform, across all of Willis Towers Watson’s Corporate Risk & Broking (CRB) product lines and geographies.

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Joe has been in the insurance industry since 1986 when he joined Johnson & Higgins (J&H), a Marsh predecessor company. He spent 19 years at J&H/Marsh in New York, London and Bermuda in roles of increasing responsibility including broking leadership, alternative risk financing, and client executive roles.

Josh Butler
CEO

Josh, CEO and founder of CompScience, is dedicated to transforming workplace safety and workers’ comp insurance with the latest advancements in computer vision and data science. Prior to founding CompScience, Josh led the L4 self-driving car platform team for NIO’s Advanced Development Center, a more than $1 billion research and development investment in a vision-based safety system. Before that, he led analytics, partnerships, product and development teams at Meta, growing a real-time API for AI-powered startups from $0 to $250 million in revenue in 18 months. Josh has an ScB in computer science, AI systems from Brown University.