EY: physical AI disrupts claims
EY’s Chris Raimondo argues 'physical AI' — robotics and autonomous systems — will disrupt underwriting and claims workflows more than GenAI, shifting how loss exposures and investigations are handled. That viewpoint reframes where insurers should focus automation and SIU tooling for future claims scenarios. (x.com)
Chris Raimondo authored EY’s long-form analysis “The age of autonomous technologies in insurance,” published March 28, 2025, framing driverless vehicles and humanoid robots as operational forces that will reshape insurance product and risk models. (ey.com) In a new interview published March 27, 2026, Raimondo told Insurance Business that liability is shifting away from individual drivers toward system‑centric allocations that span hardware makers, AI-platform vendors and vehicle owners. (insurancebusinessmag.com) EY has moved beyond commentary into capability-building: the firm announced an EY.ai Physical AI platform, opened an EY.ai Lab and named a global robotics and physical‑AI lead in a December 3, 2025 rollout aimed at helping clients deploy AI in physical environments. (prnewswire.com) Market sizing and deployment milestones underline the scale Raimondo points to: Goldman Sachs’ research models project humanoid‑robot market scenarios reaching $38 billion in base forecasts and up to roughly $154 billion in a blue‑sky 2035 scenario. (goldmansachs.com) Operational scale for autonomous mobility is already visible — Waymo reported a surge to roughly 500,000 paid robotaxi rides per week across 10 U.S. cities as of March 27, 2026, demonstrating rapidly growing notional exposure for motor lines. (techcrunch.com) Regulatory and supply‑chain changes are unfolding in parallel: the U.S. DOT/NHTSA amended its reporting framework (Standing General Order) effective June 16, 2025, expanding incident reporting requirements for vehicles with ADS and Level‑2+ ADAS that insurers and SIUs will need to integrate into investigations. (mayerbrown.com) Vendors are already productizing responses — companies such as QuikBot and EFGH are piloting embedded, real‑time insurance built into autonomous systems to underwrite exposures at the device level, and Raimondo has urged insurers to shift from point solutions to enterprise, hybrid AI strategies. (computerweekly.com)
