When AI agents rely on various source systems, large language model (LLM) APIs, and data retrieval pipelines, failures may propagate throughout the technology stack, potentially disrupting business operations, negatively impacting customer trust, and introducing significant regulatory risks. As carriers scale AI initiatives across underwriting, claims, and customer service, understanding and mitigating these risks will determine deployment success.

This report provides a framework for building resilient agentic AI systems, addressing technical architecture patterns, governance structures, cost management, and human oversight requirements. For insurance technology leaders, these findings underscore that agentic AI success depends not on the sophistication of the underlying models, but on the resilience of the systems that surround them.
Clients of Datos Insights’ Property & Casualty service can download this report.
This report mentions Anthropic, Allianz, USAA, and Zurich.
About the Author
Jack Krantz
Jack Krantz is an Advisor at Datos Insights. His expertise includes earth and atmospheric sciences as well as applications of numerical modeling, machine learning, and artificial intelligence. Prior to joining the firm, he was a firefighter, a postdoctoral investigator at the Woods Hole Oceanographic Institution, and a professor at Brown University. He has both a Ph.D. and an M.Sc. in...