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Fire Following Earthquakes: What’s the Risk to Insurers?
While most homeowners and commercial property owners may not purchase earthquake insurance, standard insurance policies provide coverage for fire damage, including any fire losses that may result ...
The Year So Far: Liberty Improves Most Among Nationals; Discipline Tested
A Carrier Management summary of earnings metrics for the year so far reveals a second-quarter average combined ratio of roughly 88, and a year-to-date ratio of just under 92 for a cohort of 27 ...
Viewpoint: Why Reinsurance Industry Often Struggles to Manage Market Cycles
"We must maintain underwriting discipline." This phrase is arguably the most repeated mantra in the reinsurance industry over the past two years, and you will struggle to find anyone in the market ...
How Gen AI Is Transforming NAIC Reporting Compliance
U.S. insurers face significant operational and compliance challenges as they adapt to evolving NAIC reporting requirements. With updates to the regulator's standards introduced throughout 2024 and ...
Growing Cyber Risks Pressure Insurers to Standardize, Adapt
As cybersecurity threats become more pervasive and sophisticated, businesses are realizing the necessity of insuring against such risks. Nevertheless, the market is still evolving and grappling with ...
AI for Policy and Claims: Should Insurers Build or Buy?
More insurers are dipping their toes into the AI pool. In fact, 57 percent of insurance organizations think AI will be the most important technology over the next three years. But a lot of that ...
Agentic AI Is Coming. Insurers Can Help Boost Adoption
When people talk about the forces driving AI innovation, the spotlight usually falls on tech giants and research labs. These institutions may build the models and release the breakthroughs, but ...
Investing in Your Company’s Long-Term Viability
If you are a veteran of the insurance industry like me, then you can attest to just how radically the landscape has changed since the dawn of the new millennium a quarter century ago. While the ...