In this discussion moderated by Nazly Contreras of ALSUM, alongside Antonio Lizano of Sunlight and Juan Carlos Jaramillo of RPSG Ecuador, it was highlighted that although international trade is growing and risks are becoming increasingly complex—due to geopolitical crises, climate events, and demanding logistics chains—cargo insurance continues to operate with reactive processes and obsolete technologies. The main challenges are poor use of data, lack of integration between systems, and low adoption of tools such as real-time sensors, artificial intelligence, and parametric insurance. Examples such as the export of perishable products show that monitoring temperature, humidity, and location allows for preventive action, reduces losses, improves recoveries, and increases profitability. The central message is clear: move from managing claims after the damage has been done to measuring and mitigating risk in real time, relying on technology to achieve greater efficiency, competitiveness, and insurance penetration in the economy.