AI Liability, Insurtech Innovation & The Future of Reinsurance | Freddie Scarratt (Gallagher Re) - Ep. 181

<p>Freddie Scarratt, Global Deputy Head of InsurTech at Gallagher Re, joins James Benham and Rob Galbraith to unpack why 95% of all insurtech funding in Q1 2026 flowed into AI-focused companies, and what that means for the birth of an entirely new risk class: AI liability. From the Air Canada chatbot case that made headlines, to the hard lesson the industry learned when cheap venture capital tried to scale insurtechs like SaaS businesses, Freddie brings a reinsurance broker&#39;s view of where AI liability, cyber, and professional indemnity are converging into one digital risk category, and why insurance, unlike every other industry, can never fully cap its downside.</p>