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Meet Your New Employee: Advanced AI
Much of the discussion around how to manage the advanced forms of artificial intelligence—machine learning, generative AI, large language models—deals with them only as technologies. This is a ...
Calculating Targeted California Returns on Surplus
The National Association of Insurance Commissioners (NAIC) 2022 Report on Profitability by Line and by State provides a comparison of the rates of return on net worth for the last 10 years (through ...
Permitted After-Tax Returns for California Insurers (2012-2021)
Since reinsurance costs are ultimately a substitute for direct costs of capital, we can better understand the ratemaking process in California by understanding how companies are allowed to ...
Rebuilding the California Property Market: Reinsurance Costs and Recent Reforms
In November of last year, Allstate paused writing new homeowners policies in California. State Farm, the state's largest homeowners writer, stopped accepting new applications for insurance back in ...
Listening: A Career and Leadership Strategy
How many times have you found yourself in the midst of a thoughtful conversation only to be rudely interrupted? It's not only annoying but often seen as disrespectful and selfish. Chances are, your ...
Emerging Risks: Does Generative AI Impact Businesses’ Liability Exposure?
Generative Artificial Intelligence (GAI) is machine learning technology capable of creating new content in response to simple text prompts. The convenience and apparent scope of this AI-generated ...
Executive View: Why Automation is the Key to Cyber Insurance Market Growth
Cyber threats pose a more direct risk to businesses than ever before. Globally, cyber attacks rose 7 percent in the first quarter of 2023, and Cybersecurity Ventures predicts ransomware will cost ...
Executive Viewpoint: How to Incorporate AI Into Core Insurance Systems
It is easy to get excited about what artificial intelligence (AI) offers the insurance industry. It has been a bright, shiny object on and off for a few decades now. This time around, it feels like ...