Build vs Buy AI in Insurance: What Really Matters

2026-03-16 · Industry Analysis

In this episode, Matthew Grant speaks with Nicola Turner and Alex Ley of Scrub AI about whether insurers should build AI capabilities internally or buy them from specialist vendors. The discussion argues that generative AI has made the decision more urgent, but not simpler. While prototyping is easier than before, the real challenge in insurance lies in messy data, workflow integration, reliability, and domain expertise. The core message is that AI adoption in insurance is less about technical hype and more about deciding where insurers genuinely have differentiated capability and where specialist partners may be better placed to deliver dependable results.