Stewart Croker, managing director of Casus Underwriting, believes independent brokers will continue to succeed despite industry changes, though he notes that “appetite” will remain a central issue at Broker Expo 2026.
Focus on Construction Risks
Casus Underwriting specializes in construction-related risks, and Broker Expo 2026 will prioritize discussions about increasing business in this area. Croker advises brokers to bring genuine risks, questions, and opportunities to the event, whether they already collaborate with Casus or are exploring potential partnerships. The aim is to align on underwriting capacity and strategy.
The Expo’s slogan, “one day out of the office could create real opportunities”, highlights its practical, relationship-focused approach. Croker recommends attendees prepare for key discussions but avoid overstructuring their schedules. While arranging important meetings is sensible, leaving flexibility for spontaneous conversations often leads to valuable insights. He urges brokers to engage directly with people rather than relying solely on digital communication.
Prioritizing Capacity Over Technology
Though artificial intelligence will likely dominate discussions, Croker predicts that “appetite” will remain the most important topic. Brokers need clear information on which underwriters are actively reviewing risks and how best to connect with them. While technology can improve efficiency, human judgment and strong relationships remain essential to success.
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Over the past year, AI has moved from theoretical debate to practical use, particularly in automating routine tasks. Croker points out that the real advantage lies in allowing professionals to focus on risk evaluation, client interactions, and careful decision-making, areas where technology has limitations.
For brokers, understanding risks, not just processing them, is fundamental. Tools and systems may change, but the ability to ask the right questions, assess client needs, and explain risks clearly remains essential. Strong relationships are also critical; the insurance sector remains fundamentally human-driven.
Outlook for the Future
Croker expects demand for expert advice to remain strong because risks are becoming more complex, businesses are evolving rapidly, and working through the market is growing more difficult. Brokers who combine deep client understanding with market expertise will perform best.