Insurance

Insurance underwriters do structured risk work with a shrinking judgment moat — the exact shape agentic AI eats. Here is the mechanism, the 2026 straight-through-processing data, and what survives when the desk clears itself.

Tesla expanded Robotaxi to Miami with no human safety monitor in the car. The milestone that matters is not the fifth city — it is the deletion of the last human failsafe.

331,000 U.S. insurance claims adjusters sit at the top of the AI substitution list. Allianz Project Nemo cuts processing time by 80%. Goldman Sachs flags claims clerks as the highest-substitution-risk occupation. A deep-dive on agentic adjudication, computer vision in the field, regulatory cliffs, displacement timelines, and what working adjusters can do to stay relevant.