Unstructured Unlocked by Indico Data

In this episode of Unstructured Unlocked, Tom Wilde and Parul Kaul-Green are joined by Andrew Holdway, Head of Partnerships at Swiss Re Risk Data Solutions, to explore why insurers still struggle to use data consistently across underwriting and portfolio management. Despite having more first-, second-, and third-party data than ever, legacy systems, siloed workflows, and inconsistent ingestion practices often limit its impact.Andrew explains what changes when carriers bring risk data and enrichment upstream at the point of submission. The conversation covers how early triage improves speed-to-quote, pricing precision, and portfolio confidence, and where AI adds real value versus buzzword risk.

In this replay episode of Unstructured Unlocked, we revisit a practical, operations-first conversation with Tami Pantzke, a reinsurance executive with more than 30 years of experience guiding technology change inside large insurance organizations.Tami breaks down how insurers should evaluate new technology through the lens that matters most, real operational impact. From cost-benefit analysis and the 80/20 rule to pilot design, risk controls, and change management, she shares hard-earned lessons on what separates successful implementations from costly failures. The discussion also explores why enthusiasm for new tools often outpaces adoption, how to spot red flags early, and how insurers can balance speed with governance in both large-scale transformations and smaller, AI-driven initiatives.If you’re responsible for introducing new technology into underwriting, claims, or operations, and need it to actually stick, this replay offers a clear, experience-backed blueprint for making smarter decisions without disrupting the business.

In this episode of Unstructured Unlocked, we revisit a conversation that’s becoming even more relevant as insurance operations teams face rising volume, tighter timelines, and growing pressure to keep work moving.Tom Wilde sat down with Laura Drabik to talk through how AI is being applied in practical, operational ways across commercial insurance. They unpack the reality behind the hype: rising submission volume, inconsistent attachments, and the challenge of turning unstructured data into inputs underwriters can actually trust.The conversation explores how structuring inbound work improves submission triage, pricing consistency, and throughput and where generative and agentic AI can support underwriting workflows without replacing human judgment. The result is clearer inputs, faster flow, and more confident decisions downstream.

This high-performing replay from Unstructured Unlocked features Joe Curry, Head of Data Science at Apollo 1971, and remains highly relevant for insurance teams navigating AI today.In this conversation, Michelle Gouveia and Chris Wells sat down with Joe to unpack how data science is actually being applied inside insurance operations today. They explore where AI delivers real value, where it creates risk, and how regulatory expectations shape what insurers can put into production. The episode also explores emerging challenges like ensuring advanced mobility and why explainable, auditable data science matters more than ever.

On the latest episode of Unstructured Unlocked, we examine why soft markets expose inefficiency across insurance, and why consolidation and AI need to deliver real results. The conversation breaks down what motivates today’s deals, and why promised cost and revenue synergies are so hard to realize. We explore where technology actually moves the needle post-acquisition, with underwriting and claims emerging as the two most critical levers for protecting margins. The discussion also tackles the industry’s biggest AI challenges head-on: data quality versus data standards, why most pilots never scale, and how treating AI as an IT experiment leads straight to “pilot purgatory.” The takeaway is clear: in a soft market, efficiency can’t wait, and experimentation without execution is no longer an option.

In this episode, we unpack why digital transformation in insurance so often stalls, and what it really takes to make progress. Drawing from two decades inside carriers, Parul explains how deep-rooted cultural inertia, siloed priorities, and organizational politics—not technology—are the biggest threats to change. She breaks down the shift from automating claims to modernizing the underwriting engine, the rise of AI-augmented decisioning, and why adopting a true “product mindset” is essential for long-term success. Parul also shares candid stories from innovation hubs, lessons from failed transformations, and the critical role CEOs must play in aligning the enterprise.

🎙️ Season 3 of Unstructured Unlocked is here, and we’re proud to welcome Parul Kaul-Green as our new co-host alongside Tom Wilde.Parul brings deep industry expertise, sharp strategic perspective, and a clear voice on the realities of AI in insurance. If you care about operational transformation — not just tech trends — you’ll want to hear where she takes the conversation this season.We’re kicking things off with a standout guest: Andrea Read, Head of Technology Engineering at Convex. Andrea unpacks how generative AI is actually being used inside engineering orgs today: what’s real, what’s not, and where the biggest gains (and gaps) are showing up.And of course, a big thank you to Michelle Gouveia, our co-host through Seasons 1 and 2. Michelle helped build this platform from day one, and we’re grateful for her insight and voice throughout.🎧 Listen to the episode.

The next great transformation in insurance isn’t about modernization. It’s about orchestration. On the most recent episode of Unstructured Unlocked, we sat down with Nigel Walsh, Global Head of Insurance at ServiceNow, to explore how AI is reshaping the industry from the inside out. From taming the “messy middle” to empowering people through intelligent workflows, Walsh shares how carriers can turn complexity into agility.

In this episode of Unstructured Unlocked, Terry Buechner, Principal Insurance Specialist at AWS, joins to unpack the challenges and momentum behind mainframe and core system modernization in insurance. He shares why modernization is accelerating—driven by demographic shifts, talent gaps, and the demand for faster, more agile decision-making. Terry discusses the complexities of replacing legacy systems and highlights the need for insurers to evolve from stability-focused infrastructure to cloud-native, future-ready platforms. The conversation also explores how modernization is a prerequisite for adopting innovations like generative AI.

The insurance industry is evolving into what experts now call the “decision economy.” Every success hinges on the quality of decisions made—from underwriting risks to processing claims. During a recent episode of Insurance Covered, Tom Wilde, CEO of Indico Data, spoke about how better data is revolutionizing these decisions, helping insurers adapt and thrive. Peter Mansfield, a partner at the law firm RPC, recently sat down with Tom Wilde, CEO of Indico Data, on the Insurance Covered podcast to explore the critical role of better data in this new economy. Here are the key insights from their conversation and how better data is shaping the future of insurance.

In this Unstructured Unlocked episode, hosts Michelle Gouveia and Tom Wilde welcome back Louis DiModugno, now Global Chief Data Officer at Verisk, to discuss his shift from working within insurance carriers to serving them as a partner and vendor. Louis explains that his role focuses on helping carriers aggregate, normalize, and integrate data, enabling insights across the entire insurance value chain. He highlights challenges in data capture accuracy, the importance of standardization through partnerships with policy admin systems, and Verisk’s proactive governance using data observability to monitor quality, flow, and usage. Louis notes that as AI and generative AI gain traction, high-quality input data is more critical than ever, with Verisk implementing safeguards like retrieval-augmented generation to ensure accuracy. He also addresses evolving regulations, especially around AI use in insurance, and sees opportunities for AI to enhance compliance, detect fraud, and simplify insurance products so consumers better understand their coverage. His vision for the next five years is a more transparent, accessible, and consumer-friendly insurance experience.

In this episode of Unstructured Unlocked, Vinod Srinivasan unpacks what it takes for insurers to move beyond generative AI pilots and achieve enterprise-scale impact. He explores what he calls “a race to the starting posts,” outlining the foundational steps — from architecture and governance to cross-functional alignment — that separate real adopters from those still experimenting.Vinod also addresses how smaller firms are challenging the traditional advantages of scale, the growing need for explainability and regulatory readiness, and what true differentiation looks like in a crowded GenAI landscape.

The insurance industry is entering a new era—one defined not by marginal gains, but by structural transformation. Join Indico Data and industry leaders for an inside look at the launch of the industry’s first Agentic Decisioning Platform: a purpose-built AI ecosystem designed to power faster, more accurate, and fully auditable decisions across underwriting and claims.In this podcast, you’ll hear from Indico Data CEO and VP of Engineering on how we are enabling forward-thinking carriers to move beyond one-off automation to operational AI—deploying intelligent agents that triage, summarize, validate, and enrich high-volume submissions and claims with speed and precision.

In this episode of Unstructured Unlocked, Doug Loots, Global Chief Revenue Officer – Insurance at Coherent, joins us to explore the challenges and opportunities of modernizing underwriting. As insurers face growing complexity, tighter margins, and rising customer expectations, many still rely on spreadsheets and fragmented tools. Doug shares his perspective on why underwriting decision-making remains stuck and how carriers can move toward API-driven solutions that scale. From cultural inertia to technical hurdles, we unpack what it takes to transform underwriting for the digital age.

In our most recent podcast episode 26, Michelle Gouveia and Tom Wilde unpack how the AI landscape in insurance is rapidly evolving beyond simple process automation. The big takeaway? Insurance is a business of decisions, and with the convergence of AI, data, and compute power, carriers now have unprecedented ability to make smarter, faster, more contextual decisions.A few standout points:✅ Carriers are shifting from optimizing isolated processes to thinking end to end about underwriting and claims workflows✅ New ROI metrics are emerging. It’s no longer just about accuracy, but about measurable business outcomes across the entire decision supply chain✅ Claims teams are leading AI adoption, while underwriting is facing institutional challenges like aging workforces and unstructured institutional knowledge✅ The playing field is leveling. Thanks to modular AI and low code no code solutions, it’s no longer just Tier 1 carriers driving innovationThe message is clear. You need to get to the starting line now or risk falling behind in the race to AI-driven decisioning.

In episode 25 of Unstructured Unlocked, hosts Tom Wilde and Michelle Gouveia sit down with Thierry Daucourt, seasoned insurance leader and digital transformation strategist, to explore the evolving intersection of AI and commercial insurance. With decades of experience across nearly every function in the industry, Thierry shares his perspective on why commercial lines have historically been slow to transform, the real-world challenges of integrating AI into legacy systems, and the crucial human element that must remain at the center of this shift.From managing change fatigue and rethinking leadership strategies to exploring the generational divide in AI adoption, this conversation offers a candid look at the future of insurance—and what it means to lead through transformation.

In episode 24 of the Unstructured Unlocked podcast, hosts Tom Wilde and Michelle Gouveia sit down with Matthew Grant, founder of InsTech and a seasoned expert in catastrophe risk modeling. Together, they explore how third-party data and emerging technologies are reshaping how insurers assess and price risk. Matthew shares insights from his 25-year career in catastrophe modeling and offers a behind-the-scenes look at how insurers are leveraging satellite imagery, LIDAR, and generative AI to modernize legacy systems, streamline underwriting, and build competitive advantages. From the evolving role of reinsurers to the challenges of regulatory approval, this episode is a must-listen for anyone navigating the intersection of insurance and innovation.

In episode 23 of the Unstructured Unlocked podcast, Tom Wilde, CEO at Indico Data and Laura Drabik, Chief Evangelist at Guidewire Software, discuss how AI is changing the way insurers handle commercial lines underwriting. With growing pressure to reduce risks and costs, they explore how turning unstructured data into structured information can improve underwriting efficiency and help insurers make better decisions faster. Tom shares how AI, including generative and agentic models, can streamline underwriting, improve pricing, and boost profitability, all while ensuring that human oversight remains key to the process. Tune in for a clear look at how AI is shaping the future of underwriting.

In episode 22 of the Unstructured Unlocked podcast, you'll hear from Tom Wilde, CEO of Indico Data, Bryan O’Neal, Head of Sales Engineering at Coherent, and Alice Boreman, Actuarial Transformation Partner at Ernst & Young, as they dive into how AI, automation, and better data are changing the game in underwriting and pricing for commercial P&C and specialty insurance. Want to boost your efficiency and accuracy? This episode is packed with actionable strategies to streamline your workflows, improve risk assessment, and optimize pricing decisions—helping you stay competitive and increase profitability in today’s AI-driven market. Don’t miss out on the insights that could take your business to the next level.

Generative AI is reshaping industries, and insurance is no exception. This rapidly evolving technology promises to revolutionize underwriting, claims processing, customer service, and beyond—offering insurers unprecedented efficiency and decision-making power. But how should companies adopt generative AI, and what challenges do they need to address? Recently, during the Unstructured Unlocked podcast, David Moorhead, an information technology executive at Ernst & Young, shared deep insights into generative AI's game-changing role in the insurance industry.

In episode 20 of Unstructured Unlocked podcast, Tami Pantzke, a seasoned reinsurance executive with over 30 years of experience, shared invaluable insights on evaluating and implementing new technologies in insurance. Drawing on her time as Senior Vice President of Operations at Gallagher and her expertise in operations and technology transitions, Tami highlighted practical strategies that can help insurers manage change effectively while balancing risk and operational efficiency.

In this episode, Tom Wilde, CEO at Indico Data, and Michelle Gouveia, VP at Sandbox Insurtech Ventures, join Rory Yates, Chief Strategy Officer at EIS Ltd to discuss navigating AI adoption in insurance and harnessing generative AI for growth.

In this episode, Tom sits down with Peter Mansfield, Partner at Reynolds Porter Chamberlain and host of Insurance Covered podcast, to discuss the role of AI in revolutionising data processing and making data more useable and accessible and the need for insurers to leverage better data for competitive advantage.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 17 of Unstructured Unlocked with Sam Worthington, Managing Director P&C Technology, Aon.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 16 of Unstructured Unlocked with Bill Devine, Former Travelers Insurance VP.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 15 of Unstructured Unlocked with Ian Thompson, Global Insurance and Claims Expert.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 14 of Unstructured Unlocked with Louis DiModugno, Global Chief Data Officer at Verisk.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 13 of Unstructured Unlocked with James Wright, Head of Technology at Beazley Digital.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 12 of Unstructured Unlocked with Wendi Bukowitz, Director of Strategic Innovation at The Cincinnati Insurance Companies.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 11 of Unstructured Unlocked with Rick Russell, retired VP of Chubb and Underwriting Director of Nationwide.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 10 of Unstructured Unlocked with Andrew Carr, Co-founder and Chief Scientist at Cartwheel.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 9 of Unstructured Unlocked withParul Kaul-Green, Strategic C-Suite Leader and Former Chief Digital Strategy Officer at Liberty Specialty Markets

Join us for a special episode of Unstructured Unlocked as we look back at the highlights of 2024! With new co-host Indico Data CEO Tom Wilde joining Michelle Gouveia, VP at Sandbox Insurtech Ventures, we've had fascinating conversations across 16 episodes and reached over 1,300 listeners.Relive the best moments from our incredible guests who shared diverse perspectives and expertise, shaping the insurance sector and beyond. From groundbreaking insights to thought-provoking discussions, we'll revisit the episodes that made 2024 truly unforgettable so far.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 7 of Unstructured Unlocked with Bill Costa, Insurtech Executive and Consultant

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 6 of Unstructured Unlocked with Silvia Signoretti of Swiss InsurTech Hub and Naveen Dhar of Microsoft.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 5 of Unstructured Unlocked with Farooq Sheikh, Global Head of Banking at Unqork

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 4 of Unstructured Unlocked with Chris Payne, Partner at EY.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 3 of Unstructured Unlocked with Kelly Cusick, Managing Director at Deloitte.

Watch Tom Wilde, CEO at Indico Data, alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures, in season 2 episode 2 of Unstructured Unlocked with Asif Mahammad Syed, Vice President, Data Strategy at Hartford Steam Boiler.

Introducing season 2 of Unstructured Unlocked! Indico Data CEO, Tom Wilde, steps in as co-host alongside Michelle Gouveia, VP at Sandbox Insurtech Ventures. In this episode, they discuss Indico's recent top position in Everest Group’s Intelligent Document Processing (IDP) Insurance PEAK Matrix® 2024.

Watch Christopher M. Wells, Ph. D., Indico VP of Research and Development, and Michelle Gouveia, VP at Sandbox Insurtech Ventures, in episode 45 of Unstructured Unlocked with Daniel Faggella, Head of Research, CEO at Emerj Artificial Intelligence Research.

In Unstructured Unlocked episode 44, Indico Data CEO, Tom Wilde, joins Executive Chairman of InsTech, Robin Merttens, to discuss the importance of data in decision-making and the role of technologies like generative AI in capturing and utilizing data effectively.

Watch Christopher M. Wells, Ph. D., Indico VP of Research and Development, and Michelle Gouveia, VP at Sandbox Insurtech Ventures, in episode 43 of Unstructured Unlocked with Sunil Rao, Chief Executive Officer at Tribble.

Watch Christopher M. Wells, Ph. D., Indico VP of Research and Development, and Michelle Gouveia, VP at Sandbox Insurtech Ventures, in episode 42 of Unstructured Unlocked with Arthur Borden, VP of Digital Business Systems & Architecture for Everest and Alex Taylor, Global Head of Emerging Technology for QBE Ventures.

Watch Christopher M. Wells, Ph. D., Indico VP of Research and Development, and Michelle Gouveia, VP at Sandbox Insurtech Ventures, in episode 41 of Unstructured Unlocked with Charles Morris, Chief Data Scientist for Financial Services at Microsoft.

Watch Christopher M. Wells, Ph. D., Indico VP of Research and Development, and Michelle Gouveia, VP at Sandbox Insurtech Ventures, in episode 40 of Unstructured Unlocked with Joe Curry, Head of Apollo 1971 Data Science

Watch Christopher M. Wells, Ph. D., Indico VP of Research and Development, and Michelle Gouveia, VP at Sandbox Insurtech Ventures, in episode 39 of Unstructured Unlocked with Mandy Hunt, Former Chief Underwriting Officer - Commercial Lines, RSA.

Throughout the year, we had many incredible conversations on our podcast Unstructured Unlocked between guests and our knowledgeable co-hosts Christopher M. Wells, Ph. D., Indico VP of Research and Development, and Michelle Gouveia, VP at Sandbox Insurtech Ventures. Overall, we recorded 28 podcast episodes and received more than 1,600 downloads/listens—if you listened to Unstructured Unlocked this year, thank you! We’re grateful from the bottom of our hearts. Episodes featured guests from varied backgrounds and specialties bringing diverse ideas and expertise, primarily in the insurance sector. Let’s walk through some of the episodes that really marked our media journey in 2023:

Watch Christopher M. Wells, Ph. D., Indico VP of Research and Development, and Michelle Gouveia, VP at Sandbox Insurtech Ventures, in episode 37 of Unstructured Unlocked with Henry Gale, Research and Insights Manager, InsTech.

Watch Christopher M. Wells, Ph. D., Indico VP of Research and Development, and Michelle Gouveia, VP at Sandbox Insurtech Ventures, in episode 36 of Unstructured Unlocked with Shane Cassidy, Executive Vice President, Global Insurance at Capgemini Financial Services.