Every October, thousands of insurance leaders descend on Las Vegas for ITC, the world’s largest InsurTech event. For delegated authority (DA) specialists, it’s more than a networking opportunity: it’s a window into the forces shaping the next year of market change.
2025 promises to be a pivotal year. At VIPR, we’ve identified five key shifts DA leaders can’t afford to ignore.
- AI-Ready Data Becomes a Competitive Edge
Artificial intelligence is only as strong as the data that powers it. In DA, where program data is often fragmented across bordereaux, AI-readiness is the difference between automated insight and wasted potential. Leaders investing in structured, automated data pipelines will gain speed, efficiency, and compliance benefits.
- Embedded Insurance Reshapes Distribution
From travel platforms to e-commerce, embedded insurance models are gaining traction. For DA programs, this means an explosion of new distribution partnerships, and greater pressure on insurers to process more diverse, fast-moving data. At ITC Vegas, expect embedded to dominate the agenda.
- Cyber and Systemic Risk Redefine Portfolios
Cyber is no longer a niche line; it’s a market-wide concern. Systemic risks - climate, geopolitical, supply chain — will drive new approaches to delegated risk sharing. DA leaders must consider resilience strategies that prepare for both high-frequency and high-severity shocks.
- Balancing Efficiency with Resilience
For years, the market’s focus has been efficiency. Now, resilience is becoming the new efficiency. ITC will spotlight how carriers and MGAs are building DA frameworks that don’t just cut cost, but adapt to volatility.
- Regulation Pushes Toward Global Standards
From Lloyd’s in London to NAIC in the U.S., regulators are converging on tougher data quality expectations. Delegated authority markets must evolve to meet these standards or risk exclusion from future programs.
In Vegas, chance drives the casinos. In DA, it’s clarity and readiness that win. VIPR will be live at ITC Vegas to explore these shifts, and how automation can turn them from risk into opportunity.
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