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1、Global InsurTech ReportThe role of AI in the four largest insurance business linesQ3 Commercial InsuranceNOVEMBER 2025This report is a collaboration between Gallagher Re,Gallagher and CB Insights.2 266.The Data CenterThis quarters data highlights4.IntroductionQ3 InsurTech investment data highlights

2、and forewordDr.Andrew Johnston Gallagher ReContents I N S I D E T H I S E D I T I O N.InsurTech Team CornerFreddie Scarratt Gallagher Re26.The Future of AI in Large CommercialAEGIS London42.Investor Corner Laviva Mazhar,Luge Capital56.Deals of the Quarter Hiscoxs acquisition of Corix Applied Systems

3、 acquisition of Cytora46.Thought LeadershipAlex Cardona,Recorder52.32.InsurTech Case Studies Boost Insurance Bowhead Specialty Redkik Gallagher Bassett62.The Role of AI in Surety UnderwritingInRev3 3Q3 InsurTech investment data highlights and forewordIntroduction4 4 One of the principal benefits of

4、tracking InsurTech funding data for as long as we have is that we can see through the quarterly volatility in capital raising and draw attention to longer-term trends.Currently,we are seeing a new pattern emerging that has been almost three years in the making.DR.ANDREW JOHNSTONGlobal Head of InsurT

5、ech,Gallagher Re,Global InsurTech Report EditorThere are certainly factors in its favor,such as an ongoing(comparative)lack of mega-round funding and the closeness of individual deal totals to the mean average deal,which was something we explored in last years report series.There is also a general p

6、ivot among InsurTechs toward business models that enhance and enable incumbents,and away from competing with them directly for customers(an incredibly cash-intensive business).This also suggests potential longevity in the trend.Overall quarterly funding into InsurTech has been coming in at around th