AI + Domain Expertise + Proprietary Data

We’ve spent the last year watching everyone race to “do AI.”

Every company, every department, every presentation deck now has it somewhere.

But look beyond the headlines and most of what’s happening isn’t transformation, it’s experimentation.

The technology is powerful, but the outcomes depend on how it’s used.
2026 will be the year that difference becomes obvious.

What the early winners have in common

The organisations moving fastest aren’t necessarily the biggest, or even the most technical. They’re the ones who’ve realised that AI alone isn’t the edge.

They’re combining three ingredients that together create real advantage:

• AI for speed and scale.
• Domain expertise for context and interpretation.
• Proprietary data for accuracy and depth.

That mix changes everything, not just how quickly intelligence is produced, but how meaningful it becomes.

Why this matters now

Across our work with insurers, the leaders of transformation are those building systems of intelligence, ones that can learn, adapt, and get sharper with every use.

They’re not chasing tools; they’re shaping frameworks that blend automation with the expertise and evidence that already exist inside their business.

That’s where Sønr comes in.

Sønr 2.0: the formula in action

Sønr 2.0 was built around this principle from day one.

It combines the reach of AI with ten years of proprietary data and deep insurance domain knowledge, the elements that make intelligence actually useful.

Our AI Agents scan, track, and connect what’s changing across the market.

Our dataset provides the context, ten years of verified, insurance-specific intelligence.

And our analysts bring the interpretation, turning data into insight, and insight into direction.

Together, they transform a question into something more valuable: a perspective you can act on.

That’s how AI becomes intelligence.

Proprietary data: the quiet differentiator

Every insurer holds a wealth of knowledge: strategy papers, partnership evaluations, research reports, deal histories.

Sønr 2.0 connects that internal intelligence with the external world, creating a single, evolving layer of understanding.

When proprietary data meets AI and human expertise, insight becomes both precise and defensible.

It’s no longer just information; it’s an advantage.

The next phase of intelligent transformation

The same formula applies beyond Sønr.
The insurers shaping the next phase of innovation are those embedding AI into the fabric of how they think, not as a shortcut but as an extension of their expertise.

They’re creating systems that remember, learn, and improve.

Where data compounds.
Where decisions connect.
Where intelligence grows with the business.

Looking ahead

A few years from now, we’ll look back at this moment as the real turning point between those who used AI to produce information and those who used it to produce direction.

AI is everywhere.
What will define 2026 and beyond is how well it’s combined with human expertise and proprietary data.

That’s the winning formula.
And it’s already taking shape.

Join the Sønr 2.0 waitlist → sonr.global/2-0

This article is part of our Sønr 2.0 series exploring how insurers are transforming intelligence into action.