Proskauer Client Alert Argues Scale Still Pays in Insurance Consolidation Despite AI Shift

Proskauer Rose lawyers Andrew Wingfield and Edward Lister argue in a November 5, 2026 client alert that AI is raising the bar for scale in insurance deal-making rather than erasing its advantages. The piece is an analytical opinion, not a report on a specific transaction or regulatory action. The authors say winners will combine expertise, distribution, usable data, technology, and organizational capacity, and they call for "purposeful scale, not scale at any price." They also contend that AI can cut administrative work in broking, adding capacity without adding headcount, so modest productivity gains could lift earnings across large broker networks. On data, they argue consolidation can fix fragmented systems: buyers with clean data and modern platforms will compete against targets locked into legacy systems and contracts that restrict data use or migration. They add that AI in pricing, underwriting, and claims requires governance and human oversight, and that UK and EU rules on data protection, conduct, outsourcing, and operational resilience will shape group technology design.