A new generation of commercial and specialty insurers is being built technology-first, not retrofitted later. This keynote explores what defines a tech-native operating model in 2026. How are underwriting authority, data ingestion, portfolio monitoring, and capital reporting designed differently from day one? What does it mean to scale a specialty book without scaling headcount linearly? And how are MGAs and carriers structuring their businesses around real-time visibility and structured risk data? This session sets the tone for the day by examining how technology shapes the organizational model itself, not just the workflows within it.