The gap is widening, and it started before AI
In 2021, 9 of the 100 largest U.S. property and casualty insurers were destroying value. By ACORD’s 2025 study, it was 48.
That trajectory is not an AI story. It is what happens when the distance between well-run and poorly-run businesses grows faster than most firms can react. Artificial intelligence did not cause it. It is about to accelerate it.
Does this sound familiar?
If two or more of these are true for you this quarter, this book was written for you.
The expensive mistake is the order, not the tool
Most businesses that get this wrong do not fail because they picked the wrong software. They fail because they changed the wrong thing first, broke something that was already working, and lost the confidence of the people who had to carry it.
That is a sequencing problem, and it is recoverable only if you see it coming. ZERO LEGACY is built around the order of operations: what to change first, what to leave alone, and how to tell the difference.
This is not a book that tells you AI will replace you, and it is not a book that tells you nothing will change. Both of those are easy to write and useless to act on.
Start with the sample, not the pitch
The opening of ZERO LEGACY is free to read, right now, with no email address and no sign-up form. If the first pages are not useful to you, nothing after them will be either — and you will have lost ten minutes instead of a purchase.
Also from Zero Legacy Press
The Book
The full playbook: what changes in underwriting, claims and distribution, and in what order to move.
Read more →The Podcast
Conversations with operators about what they actually built, what it cost, and what broke.
In production →Common questions
What is ZERO LEGACY about?
It is a business playbook on what artificial intelligence changes in insurance operations, written for owners, executives and operators rather than technologists. It covers underwriting, claims and distribution, and gives a framework for sequencing adoption without breaking what already works.
Who should read it?
Insurance owners and executives, brokers and agency principals, and carrier or MGA leaders who have to make a decision about AI and carry the consequences of it.
Do I need a technical background?
No. There is no code and no model architecture. It explains what changes in plain language.
Can I read some of it first?
Yes. A free sample is available with no email address required.
What is Zero Legacy Press?
An independent publishing house for the insurance industry, publishing books, a podcast and a video series about the shift to AI-native operations. It does not sell software.