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Is Risk the Main Ingredient in Ultra-Processed Food?
Convenience often dictates daily choices, as demanding schedules make it easy to rely on packaged snacks or ready-made foods to keep busy households moving. For decades, those snacks have largely ...
Viewpoint: Why Unified Data, Not More Data, Will Decide Insurance’s Next Winners
The role of data across the insurance value chain has evolved noticeably. What was once used primarily for retrospective reporting is now becoming a source of real-time intelligence that shapes daily ...
Real Customer Connections: What Valentine’s Day Teaches Insurers
When we think about Valentine's Day, we often picture hearts, flowers and romantic gestures. But beneath the surface of this annual celebration lies a profound lesson that effective businesses and ...
Gender Balance as a Business Strategy
The insurance industry is built on assessing risk, yet many companies overlook a critical one: the risk of sameness in leadership. When all decision-makers look and think the same, they're limited in ...
Reinsurance Program Could Wipe Out Need for Calif. FAIR Plan: Legal Exec
Merritt Farren, a former high-ranking legal executive at Disneyland and Amazon, has launched a bid to become California's next insurance commissioner. His platform focuses on stabilizing the state's ...
Telematics and Trust: How Usage-Based Insurance Is Transforming Auto Coverage
What if your car insurance reflected how you actually drive, not just who you are? That question is no longer hypothetical. In 2024, more than 21 million U.S. policyholders shared telematics data ...
Machine Learning for Mutuals: What’s Working, What’s Not, and What’s Next
Recently, I spoke with a chief product officer at a large excess and surplus (E&S) company, and he shared his vision for streamlining intake in this way: "Straight-through processing a third, ...
Viewpoint: Underwriting at an Inflection Point – The AI Advantage
The U.S. commercial insurance market is demonstrating clear signs of rate fatigue and an overall softening. Since 2017, the industry has experienced increased loss pressures from climate events, ...