How can insurance companies better utilize operations and premium and rate makin

How can insurance companies better utilize operations and premium and rate making decisions to help defray some of the issues associated with delays in supply chains and the cargo issues (lost large container ships and the blocked Strait? Are there changes you would recommend to help reduce these claims and losses or to implement to reduce spoilage or unnecessary disposal, there are some new innovative sensors to assess temperature etc. .How can insurers be innovative? Are some supply chain issues become more significant or likely to be exacerbated by inflation?
What about theft along the supply chain? From people stealing from grocery stores (already only at a 1% margin to porch pirates)