Making Risk Flow News & Insights

Cytora Named to the InsurTech100 for 2025

We’re pleased to share that Cytora has been recognized on the InsurTech100, the annual list highlighting the most innovative InsurTech companies shaping the future of insurance. This recognition reflects our work with insurers worldwide to digitize risk intake, streamline processes, and enable faster, more accurate decision-making at scale. We’re grateful to our team, customers, and partners for their continued support in driving innovation forward.

Download the full report.

New episodes and insights from the Making Risk Flow Podcast

Fast, Data-Driven Decisions and the Future of Risk | Mark Allan, Ki Insurance

In our latest episode, we sat down with Mark Allan from Ki Insurance to explore how a digital-first, data-led approach is reshaping underwriting in the London market. Here’s some of the highlights:

• Digital-First, Follow-Only: Ki Insurance stands out as a follow-only business — taking pricing as it comes and letting algorithms do the heavy lifting. Precision and speed, powered by data, are at the heart of their approach.
• Rapid Market Adoption: Over 1,000 brokers are actively using Ki’s platform, with 30,000+ policies quoted and $1B+ in premium written last year alone. The London market is clearly ready for digital solutions
• Technology as a Market Connector: Ki’s platform isn’t just for internal use — it’s now enabling capacity partners like Aspen, Travelers, QBE, and Beazley, and broker collaborations such as Howden. Digital tools are becoming the connective tissue of the market
• Data-Driven Underwriting: Machine learning models trained on historical claims, exposure, and client data help Ki predict risk performance objectively. The result: less intuition, more consistency, and higher-quality portfolios.
• A Market Poised to Evolve: The London insurance market is ready to iterate, innovate, and embrace digital workflows. Ki’s platform shows what’s possible when technology meets underwriting.

Together, these shifts reflect a powerful change underway across the market — underwriting decisions are becoming data-driven rather than instinctive, and technology is emerging as the foundation for a more connected, responsive, and scalable insurance ecosystem.

Listen here.

Turning Risk into Opportunity: Inside Aon’s Data-Driven Approach | Lambros Lambrou, Aon

In this episode of Making Risk Flow, host Juan de Castro sits down with Lambros Lambrou, Chief Strategy Officer at Aon, to explore how the global insurance giant is reimagining risk through data and technology. Here’s some highlights from the discussion:

• Evolving risk landscape: Lambros reflects on how today’s risks are increasingly interconnected and compounding, shaped by four global megatrends — Trade, Technology, Weather, and Workforce. These forces no longer act independently; they collide and amplify each other, demanding a more holistic approach to risk.

• From vertical to horizontal thinking: Aon is reimagining risk management by moving away from siloed views and toward a horizontal, systems-based perspective, connecting risk and human capital capabilities to better understand the full ecosystem of client exposure.

• Data as the foundation for change: Through its unified “One Data Lake”, Aon has consolidated vast global datasets to uncover new correlations and predictive insights — the backbone for its new generation of analytics-driven tools.

• The rise of the Analyzer suite: Tools such as Property, Cyber, D&O, and Health Analyzers are transforming client interactions by bringing real-time, data-rich intelligence into the conversation. Brokers and clients can now dynamically model risk, optimise transfer decisions, and quantify resilience in unprecedented ways.

• AI empowering the broker: The new Broker Copilot leverages AI and predictive analytics to give brokers a clearer, real-time view of market dynamics — from pricing to capacity — enabling more strategic, evidence-based client engagement.

• From protection to possibility: As Lambros notes, the industry is shifting from simply “protecting the downside” to “enabling the upside.” The future of risk management lies in using data, analytics, and capital not just to shield organisations from volatility, but to help them turn uncertainty into opportunity.

Tune in here.

Exploring the Ecosystem: How Relativity6 Is Powering AI That Works | Alan Ringvald, Relativity6

We’re excited to announce Exploring the Ecosystem — a new spin-off series of Making Risk Flow that dives into the technology, data, and partnerships powering frictionless risk flows across insurance. In this first episode, host Jake Harding talks with Alan Ringvald , CEO and co-founder of Relativity6, about how AI and multi-source data are redefining underwriting.

They explore the move from generic AI tools to workflow-specific solutions built for real-world use, and how intelligent data aggregation empowers underwriters with trusted, actionable insights.

Key Highlights from the Episode:

• AI Adoption in Insurance: Alan emphasizes that insurance hasn’t yet reached the inflection point where AI is seamlessly integrated at scale. He points out that the risk-averse nature of the industry makes adoption slow, but those willing to experiment and “skin their knees” with AI will gain a competitive advantage.

• Multisource Data for Smarter Underwriting: Alan explains the importance of aggregating data from multiple external sources to provide underwriters with actionable insights rather than overwhelming raw data. By combining hundreds or thousands of datasets, insurers can achieve reliable, scalable, and automated decision-making.

• The Future of Underwriting Roles: Far from replacing underwriters, AI will create a symbiotic relationship—enhancing efficiency, automating repetitive tasks, and allowing underwriters to focus on complex decisions. Alan envisions AI becoming an integrated, customized tool that leverages proprietary data and deep workflow knowledge to empower insurance professionals.

Listen to the full episode here.

Feature release: Cytora Examples

Broker submissions can be messy, with unclear wording, ambiguous fields, unexpected formatting and more impacting extraction accuracy. Cytora Examples solves this by turning these edge cases into learning opportunities for the platform.

When a human reviewer corrects a value, the system captures the amendment and its rationale, automatically teaching the LLMs how to handle similar cases in future submissions. This means every unclear field or unusual entry strengthens the platform’s accuracy, reduces manual intervention, and transforms turnaround time.

With Cytora Examples, even the most complex or ambiguous broker submissions become a source of continuous learning, helping teams make faster decisions with confidence.

Watch the video to see it in action!

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Fenris and Topograph join the Cytora Data Ecosystem

We’re excited to welcome Fenris and Topograph as the newest partners in the Cytora Data Ecosystem! Through these partnerships, Cytora continues to strengthen the foundation of data-driven underwriting — embedding external intelligence directly into digital risk workflows to empower faster, smarter, and more compliant decision-making.

Cytora and Fenris partner to embed predictive intelligence into commercial risk workflows

Our collaboration with Fenris integrates real-time data and predictive AI models that forecast bind propensity, risk exposure, and conversion potential. Combined with Cytora’s digital risk processing capabilities, this partnership enables underwriters to move from reactive assessment to proactive decision-making, driving greater efficiency and accuracy across commercial lines.

Read the full press release.

Cytora and Topograph partner to embed real-time KYB intelligence into underwriting workflows

Through our partnership with Topograph, Cytora now embeds official, real-time Know Your Business (KYB) data directly into underwriting workflows. Insurers gain seamless access to verified global company information — including ownership structures, Ultimate Beneficial Owners (UBOs), and continuous compliance updates — enhancing governance and regulatory confidence at every stage of the underwriting process.

Read the full announcement here.

Together, these collaborations mark another step forward in Cytora’s mission to build the world’s most comprehensive data ecosystem, transforming how insurers assess, select, and manage risk.