After working on a nagging insurance industry problem on and off for three decades, an actuary, who is also a software engineer, recently devised the solution—a new model of the occurrence form for liability insurance policies covering latent exposures. “We needed to design and code this pretty much from the ground up,” said Melissa Boudreau, chief actuary and vice president of modeling for Praedicat, a Los Angeles-based InsurTech analytics company. “So I did that. I called it my night job because that’s when I did most of the work,” she said matter-of-factly....

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