Earnix, an AI firm built specifically for insurance decisioning, has wrapped up its Excelerate London 2026 event, where more than 350 senior figures from the insurance sector gathered to discuss how AI, shifting risk, and growing economic and regulatory demands are transforming the market.
The central message to emerge from the event was that insurers now hold unprecedented volumes of data, models and intelligence, but their edge in the market will be determined by how rapidly they can convert those resources into sound decisions and deploy them in live environments. Achieving this quickly, while preserving the oversight, control and transparency the sector demands, is fast becoming a key point of separation between competitors.
To support this, Earnix used the event to launch Agent Hub, a collection of insurance-focused agents ready for production use across pricing, underwriting, modelling, customer engagement, data and technology. The agents run inside AIOS, the company’s AI Orchestration System designed for insurance, where agentic AI operates in tandem with predictive and generative AI, models, business rules, data and human know-how.
Speakers at the event noted that the pace of risk change is accelerating, financial conditions are tightening, and AI is broadening the scope of what insurers can analyse and act upon. Meanwhile, both regulators and policyholders expect more, ranging from clearer accountability and openness to products that adapt faster to evolving consumer requirements. Earnix’s Intelligent Decisioning approach seeks to address this by combining data, predictive models, generative and agentic AI, business rules and human judgement around critical decisions, allowing insurers to react more quickly to changes in risk and customer behaviour while keeping oversight intact.
Agentic AI featured prominently in sessions and demonstrations. Rather than merely producing insights, agents can collect information, apply relevant context and carry out specific tasks for users, while people stay involved for review and control. Earnix stressed that the aim is not automation for its own sake, but helping insurance professionals move faster with richer context while retaining authority over significant decisions.
Earnix describes itself as the first AI company created specifically for insurance decisioning. Drawing on more than 25 years of experience in AI risk, pricing, rating, analytics and decisioning, it embeds vertical AI into insurers’ workflows spanning pricing, underwriting, claims, customer engagement and retention.
Earnix CEO Robin Gilthorpe said, “The competitive challenge for insurers is increasingly one of agility. Markets will change, risk will change and the capabilities of AI will continue to change. The advantage will come from being able to respond — to make decisions, test them, learn and course-correct with the speed and control the business requires.”
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