Episode
The Risk Intelligence Gap: How Exposure Data Deficiency Is Reshaping Property Underwriting
- Podcast
- Scouting for Growth
- Published
- Apr 23, 2026
- Duration seconds
- 2526
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Summary
The future of property underwriting will not be won by carriers with the most models. It will be won by those with the most decision-grade intelligence. In this episode of Scouting for Growth, Sabine VanderLinden speaks with Anthony Peake, CEO of Intelligent AI, about a problem hiding in plain sight across commercial property insurance: the risk intelligence gap. The conversation is built around one uncomfortable truth. Underwriters are being asked to make portfolio-defining decisions using exposure data that is often incomplete, unverified, outdated, and disconnected from the workflows where decisions actually happen. That matters because the scale is hard to ignore: In the UK, only 7% of properties are adequately characterized in underwriting files, while 93% are insured for the wrong amount. In the US, 90% of commercial buildings carry inadequate coverage, with 68% falling short by 25% or more. Underwriters rate their access to decision-time risk intelligence at just 3-5 out of 10 and spend 50–55% of their working day chasing, checking, and rekeying data rather than applying judgment. Meanwhile, the US P&C industry posted underwriting losses exceeding $20 billion in both 2022 and 2023, even as carriers continued to invest heavily in AI and automation. This is the automation paradox Anthony unpacks so clearly. Better engines. Worse fuel. Massive investment in AI pricing, triage, and catastrophe models — but weak building-level inputs at the very moment of decision. The conversation then shifts from diagnosis to design. Anthony explains Intelligent AI’s three-part framework for modern property underwriting infrastructure: API-first risk intelligence, where a property address is enriched with structured data across construction, occupancy, protection, hazard, human-mad…