David Schofield is co-founder and CEO of Fluence World, a Swiss-British company that helps specialty insurers uncover risk signals hidden in submission documents. With a background in forensic linguistics and analytics, David brings a fresh perspective to evaluating risk quality, showing how language in engineering reports, broker emails, and inspection notes reflects governance and operational discipline long before losses occur.
David and his team have built transparent AI models that connect unstructured language to measurable business outcomes, turning decades of underwriting experience into structured, auditable intelligence grounded in each insurer’s own underwriting history.
Fluence was named AI Implementation of the Year 2025 by Insurance Insider and selected for Cohort 15 of Lloyd’s Lab. Their work gives underwriters the evidence to back their judgment, helps portfolio managers see what drives performance, and gives leadership a clearer view of the signals that traditional models miss.