Gary Meggitt on Insurance Brokers and AI (New Book Chapter)

"Insurance Brokers and AI"
Gary Meggitt
in Commercial Insurance Law: Emerging Trends and New Perspectives, edited by Barış Soyer (Routledge, February 2026), Chapter 11, pp.209-234
Published online: February 2026

Abstract: It is a widespread fear that thousands of gainfully employed people will soon be made redundant and replaced by Artificial Intelligence (AI) systems. Yet, insofar as insurance brokers are concerned, that anxiety has been replaced by a growing belief that the “human element” of the role – including the relationships with clients and insurers – remains essential and irreplaceable. Indeed, many brokers now expect AI systems such as Marsh McLennan’s LenAI to enable them to focus on such activities.

Yet concerns remain. Principally, how will AI systems affect brokers’ obligations to policyholders and others?