Leadership & Strategy
Expense Ratio Analysis: AI, Remote Work Drive Better P/C Insurer Results
In separate reports last week, AM Best and Morgan Stanley analyzed P/C insurance industry expense ratios, with one reporting a 2.4-point drop over the past decade and the other projecting another ...
Nearly Half of 100 Largest P/C Insurers Destroy Value: ACORD
"Sustainable value creators" among the 100 largest property/casualty insurance carriers generated more than twice as much of their value through underwriting than through investment activities over a ...
Why ‘Good Enough’ Is Killing Insurance: The Hidden Cost of Satisficing
Organizations routinely acknowledge crises, commission studies, launch initiatives — and change almost nothing. This pattern has a name.
AI, Litigation Funding and Market Crosscurrents: What CM Readers Cared About in 2025
As 2025 unfolded, Carrier Management readers gravitated toward features that explored the intersection of technology, economics, and strategy. From artificial intelligence transforming underwriting ...
Carrier Management’s 2025 Top Features (Reader’s Picks Unlocked)
Underwriters and actuaries are less worried about AI taking their jobs. But maybe claims professionals and insurance agents should be more worried. Those are the takeaways I pulled out of two of the ...
Adapting Insurance Talent Models for a More Volatile, Tech-Driven Market
Insurance carriers are operating in a period of structural volatility. Catastrophe events are more frequent and severe, customer expectations continue to rise, ...
The Hardest Part of Innovation in Insurance Isn’t Technology; It’s Culture
The insurance industry is notoriously behind the curve when it comes to innovation. But what explains the gap between insurance and other industries?
In Part 2 of a series of articles on innovation in insurance, "The Hardest Part of Innovation in Insurance Isn't Technology; It's Culture," Haden Kirkpatrick offers some ...
A Practical Blueprint: The Five Plays of an Innovation Culture
Chubb, The Hartford, Liberty and Travelers Team Up on Surety Tech Co. Launch
Four surety companies—Chubb, The Hartford, Liberty Mutual and Travelers—announced the launch of a technology company that will feature a shared digital infrastructure to advance the surety ...