Afroz Mohammed is a commercial Property & Casualty insurance professional with nearly 10 years of industry experience. His work focuses on commercial property, construction, builders risk, and complex risk placements. He also researches the practical application of AI and agentic AI in insurance, including underwriting analytics, information friction, AI governance, and decision systems. Afroz regularly contributes to industry and academic discussions on how emerging technology, better data, and human expertise can improve underwriting, risk management, and the insurance customer experience.