24 November 2025
Redefining Broking
Innovation isn’t about speed - it’s about direction. The brokers and partners who take a thoughtful, deliberate approach to technology will be the ones who build solutions that last.
For Tom Clark, Chief Technology Officer at Everywhen (formerly Ardonagh Group), technology is more than infrastructure — it’s the foundation on which trust, scale and service are built.
Across his career, Tom has led large-scale digital transformations, steered complex integrations, and shaped the technological backbone of one of the UK’s most dynamic insurance groups.
But for him, success in technology is never about chasing the next big thing. It’s about building systems that last.
“Good technology doesn’t shout, it supports,” Tom says. “Our job is to make sure people can do their work more easily, more efficiently, and with confidence that things just work.”
Technology with Purpose
In an industry where legacy platforms and manual processes still dominate, Tom’s approach to innovation is both pragmatic and forward-looking.
He believes the real value of technology lies not in disruption, but in purposeful improvement — solving the problems that actually slow brokers down.
“You can’t transform by simply layering new tools on top of old issues,” he explains. “You have to understand what’s broken first, then rebuild it in a way that adds value — not complexity.”
At Everywhen, this philosophy guides every initiative, from data modernisation and API integration to AI-driven automation. The goal is simple: make systems that serve people, not the other way around.
The Challenge of Legacy
Every major insurance organisation faces the same tension — balancing the stability of legacy systems with the need to innovate. For Tom, the answer isn’t to tear everything down, but to build intelligently on top of what works.
“You can’t just rip out and replace twenty years of systems,” he says. “Transformation only succeeds when you respect the foundations while still moving forward.”
This measured approach allows Everywhen to evolve at pace without compromising reliability. It’s a model that prioritises scalability, interoperability and long-term thinking — ensuring that technology keeps serving brokers and clients for years to come.
The Human Side of Digital Transformation
Despite overseeing vast systems and complex integrations, Tom never loses sight of the people behind them.
He sees technology as an enabler — not a replacement — for human expertise.
“Technology should remove friction, not relationships,” he says. “The more efficiently we can operate behind the scenes, the more time our brokers have to focus on clients.”
This human-centred philosophy runs through Tom’s leadership style. He believes successful digital transformation depends as much on communication and clarity as it does on coding and architecture.
A Broader View of Innovation
Beyond his role at Everywhen, Tom contributes his experience to the wider industry as part of Cluda’s advisory board, helping shape how the next generation of tools can better support brokers.
He brings an enterprise perspective to Cluda’s mission — connecting AI, data and automation in ways that feel intuitive and genuinely useful.
“Innovation isn’t about speed — it’s about direction,” Tom adds. “The brokers and partners who take a thoughtful, deliberate approach to technology will be the ones who build solutions that last.”
Building for the Long Term
For Tom, longevity is the true measure of innovation.
In a world that moves fast, he champions the kind of technology that stands the test of time — adaptable, reliable, and deeply connected to real-world needs.
“Anyone can launch a shiny new product,” he says. “The hard part is keeping it relevant. That’s what good engineering is — designing for change, not against it.”
His perspective captures what the future of broking will demand: systems built to evolve, people empowered to do their best work, and technology that earns its place by making everything — and everyone — better.
Editor’s Note:
This interview is part of Cluda’s Thought Leadership Series, capturing perspectives from leaders across the insurance and broking industry on the future of AI, trust, and technology in broking.