2026 Executive Outlook | Tina Osen, HUB International Canada

Artificial intelligence (AI) is no longer a distant concept for the insurance industry. In 2026, it becomes unavoidable.

We are moving past experimentation and stepping into deployment that changes how work gets done every day. AI is giving our people the capacity to focus on higher-value advisory roles that strengthen client relationships and support growth.

For Canadian brokers and carriers, the biggest opportunity sits in the removal of low-value desktop tasks that consume hours and dilute talent. AI can streamline policy workflows, accelerate underwriting, and transform claims experiences.

Organizations that lean into AI use now, test boldly and embrace the art of the possible, will build clear competitive advantage. However, success will not come from technology alone. It requires significant investment in redesigning processes, training and strong change management to bring teams along with confidence, not apprehension.

The real shift in 2026 will be mindset. Those willing to reimagine how work happens will unlock greater efficiency, stronger client outcomes and the next chapter of innovation in Canada’s P&C sector. Those who don’t risk falling behind.