Martin Higgins is National Insurance Practice Lead at Centric Consulting, where he focuses on AI strategy, digital transformation, and core systems modernization for P&C, L&A carriers and MGAs. He brings over 20 years of insurance technology experience, including seven years at Datos Insights (where he served as a trusted advisor to more than 150 insurers and authored widely-read research on data, AI and core systems. Earlier in his career, Martin founded and grew Cosenta, an insurance technology consultancy, and led professional services at HealthEdge. He is a recognized practitioner in the build-vs-buy conversation — particularly as AI fundamentally reshapes the economics of both options.