AI impact depends on the quality, structure, and accessibility of insurance data. This panel explores how carriers and MGAs are transforming fragmented internal and external data sources into strategic assets that drive underwriting precision, pricing agility, fraud detection, and customer insight. What investments are required to modernize data infrastructure? How are insurers balancing real-time enrichment with governance requirements? And where are organizations seeing measurable ROI from improved data strategy? This conversation moves beyond algorithms to examine the foundational data decisions that enable sustained AI-powered competitive advantage.