In this installment of On Risk: Leading Insurers Discuss Emerging Trends, Adam Klauber, William Blair’s group head of financial services and technology research, sits down with Bill Daniel, CEO of AWL, to explore how the U.S. auto insurance market is evolving after an extended hard market. The conversation examines intensifying competition, emerging rate declines, shifting underwriting appetites, and rising consumer price sensitivity—alongside how digital distribution and AI-driven tools could reshape customer acquisition and insurance shopping in the years ahead.
