Martin Sullivan
Steve McElhiney, CPCU
Tom Lucci
Eric SpencerChapter 01
The Biggest Challenges
Extracting submission data used to take two weeks and came back roughly 85% correct — now it's done in 24 hours to two days. With commercial auto staying hard, more fleets want to retain risk, and data is always the obstacle for the captive. And when brokers simply follow the prospect's path, they produce a mirror of the incumbent; opening with program design puts the numbers in front of the client instead.
Chapter 02
Starting with Better Data
Organised extraction lowers a hard cost on the client's invoice — better data drives better outcomes.
Chapter 03
Choosing an AI Vendor
Captives are fully unbundled. AI's job is ingestion plus one unified view of the account, aimed at total cost of risk.
Chapter 04
Too Many Vendors, Too Little Clarity
Five hundred AI firms, most doing data ingestion. Ingestion is the input — the differentiator is the output.
Chapter 05
Questions to Ask Every Vendor
One question that separates a real solution from a thin layer on somebody else's model — commercial fit, then technical accuracy.
Chapter 06
Program Design with AI
Trucking is a tight-margin business. Low cost comes from the best combination of insurance and retention.
Chapter 07
AI for Everyone
Program design works across A, B and C accounts alike — and with data back in a day, the last-minute deal is still winnable.
Chapter 08
Managing Renewals
A renewal ninety days out: what a much better version looks like, and what to change immediately.
