ETA is an invitation-only intelligence network for insurance leaders who want to understand the forces defining their industry - while there's still time to act on them.
AI is automating straight-through processing, reshaping every adjuster's role, and delivering dramatically faster cycle times.
AI adoption goes from 14% to 70% in three years. Static pricing and annual cycles are being replaced by continuous real-time risk intelligence.
AI isn't replacing brokers - it's replacing most of what they do. The entire distribution chain is being rebuilt around it.
AI-generated synthetic fraud is scaling faster than detection. The same technology is both the threat and the most powerful defence ever built.
A technology that threatens every encrypted record in the industry - and could transform risk modelling for those who move first.
Space has become commercial infrastructure in a decade. Satellite constellations, tourism, in-orbit manufacturing. The insurance market for space assets is tiny relative to the exposure growing above us.
Autonomous systems are entering every sector. The liability frameworks and underwriting models that will define this space are being written now.
The question is no longer whether some risks become uninsurable. It's what replaces them - and who builds it.
Don't see a trend that matters to your organisation?
ETA brings together the people who are. Each cohort focuses on a single trend, goes deep for twelve months, and collectively works out what the industry needs to do about it.
ETA is built around trends at the point where positions are still forming and there's still room to influence what happens. Monthly briefings and quarterly deep dives track each trend as it evolves - not after it's arrived.
Each cohort works a single emerging force across a full year. The accumulated understanding of a group that has been thinking about nothing else - combined with Sønr's underlying market data - produces a quality of intelligence that broad-based research cannot replicate.
Sønr tracks over five million companies and a decade of market signals across the global insurance ecosystem. ETA members access the underlying market intelligence - not just the headlines. Better data doesn't guarantee the right decision. It makes the wrong one much less likely.
Incumbents, pioneers, builders, capital, thinkers, and regulators - each cohort is a deliberate cross-section of the industry, working the same question at the same moment. That collision is where insight becomes action.
A cohort opens when enough of the right people have committed. A minimum of 20 members is required to launch; each cohort is capped at 50 to preserve the quality of the conversation. If demand exceeds that, a second cohort forms automatically. No payment is taken until launch.
Select the trend most relevant to your organisation and the membership level that fits. No payment at this stage.
When the right number of members have committed, everyone is notified simultaneously and the cohort goes live. If demand exceeds capacity, a second cohort forms - waitlisted members always go first.
The subscription begins, access opens, and your cohort community goes live. Events are charged at cost - invoiced separately, never bundled.
ETA membership is per trend. Each tier reflects how much access you want - to the intelligence, to the people, and to the in-person conversations.
Monthly subscription. Cancel anytime. No charge is taken until your cohort has the right number of committed members to launch. All events are priced at cost and invoiced separately - they are never included in subscription pricing.
Sub
This cohort opens when the right people have committed. No charge until it does.
This isn't abstract.
The implications are landing now.
Membership is specific to this trend.
Events at cost, invoiced separately. Cancel anytime. No charge until your cohort is ready to launch.
The window to shape this conversation is open. Commit now - and help get to 20.
Sønr helps leaders avoid confidently making the wrong decisions about tech and innovation. ETA takes that same purpose and applies it collectively - to the trends that will define the next decade of insurance, before the industry has made up its mind about them.
Most bad decisions in insurance aren't made in doubt. They're made when a course of action feels clear before the uncertainty around it has been properly understood. Leaders are surrounded by persuasive signals - vendor narratives, analyst opinions, peer stories, AI-generated summaries that sound authoritative.
Sønr exists to turn partial views into defensible decisions. Since 2016 we have worked with more than 60 of the world's leading carriers and reinsurers - building a dataset that now tracks over five million companies across the global insurance ecosystem, and using it to surface what matters before it becomes consensus.
ETA is Sønr's answer to a version of the same problem at industry scale. Not the bad decisions of individual organisations - but the collective blind spot of an industry that is not yet looking clearly at the forces that will reshape it.
"There is no shortage of data. What's missing is coherence. The information exists, but it's fragmented, uneven, and rarely designed to support the specific decision you're being asked to make. When the external picture remains incomplete, confidence fills the gaps."
The same dynamic Sønr addresses for individual decisions is playing out across the industry. The trends that will matter most are not well understood. Positions are forming on incomplete information. And the window to act - rather than react - is narrowing.
The trends that will reshape insurance are generating signals now. But those signals are fragmented across research, conferences, vendor claims, and academic work - and almost none of it is designed to support a decision.
By the time a trend reaches mainstream industry coverage, the positions of advantage have already been taken. The organisations that move well are the ones that understood the landscape before it hardened into consensus.
There is no sustained, structured space for the industry to go deep on emerging forces together - with the right mix of people, supported by real data, over long enough to build genuine collective understanding. ETA is that structure.
Every briefing and report draws on Sønr's proprietary dataset - ten years of tracking five million companies across the global insurance ecosystem. Members receive the analysis that Sønr's largest clients rely on to make strategy decisions, not a curated version of what's already in the press.
A Sønr ETA cohort creates the conditions for coherent collective intelligence - a group that stays with a single emerging force long enough for understanding to compound, supported by continuous data, and structured to produce action rather than just awareness.
Each trend ETA tracks is chosen because the questions are still open - because the industry has not yet made up its mind. That is precisely when understanding has the most value, and when the organisations that go deep earliest have the most to gain.
Sønr turns partial views into defensible decisions for individual leaders. ETA does the same for the industry - bringing together incumbents, pioneers, builders, capital, academics, and regulators to collectively identify what the evidence actually says, and what needs to happen next.
Find the trend most relevant to your organisation and secure your place before the positions harden.
ETA exists to create genuine change in how the insurance industry thinks about and prepares for the forces reshaping it. The Impact Board exists to make sure it does.
Most advisory boards are performative. A logo on a website, a call every quarter, a modest fee for modest engagement. That is not what we are building.
The ETA Impact Board is a small, senior group of people who share the belief that the insurance industry is not preparing well enough for the forces that will define it - and who want to do something about that.
Each board member owns one trend - chairing that cohort, shaping its research agenda, and helping build the community around it. In return, they get full access to everything ETA produces across all eight trends, and a seat at the table as it grows.
Every monthly briefing and quarterly deep dive across all eight trends - not just your own. Full access to everything ETA and Sønr produce, before anyone else sees it.
A free seat in any cohort you wish to join, plus up to three free seats for members of your team. Yours to allocate however is most useful.
A seat at every in-person gathering and an annual Impact Board session to set the agenda for the year ahead.
Named on the ETA platform and in all published research as chair of your trend cohort.
We are looking for eight senior people - one to own each trend - from across the insurance ecosystem. Carriers, capital, builders, academics, and regulators who share the conviction that the industry needs to move faster on the forces that will define its future.
If you have been pointed to this page, it is because someone thinks you might be the right fit for one of these roles. We would love to have a conversation about which trend you would want to own.
Get in toucheta@sonr.global
Enter your referral code and access key to view your commission tracking.