Members Only Content
Inflation a Blessing for Root: Q1 Profit Is Proof Point of Data Science Strategy
There was a moment in first-quarter 2021 when InsurTech Root met a long-desired loss ratio target, sending a promising signal that the cash-burning startup was squarely on the road to personal auto ...
Beyond Carvana: Root Bullish on Embedded Insurance Distribution
Although three strategic pillars guide investments in technology and data science at InsurTech Root, the second pillar—one focused on "meeting customers where they are"—is likely to be a ...
Deflating Social Inflation
Prior-year loss reserve charges. Social inflation. Nuclear verdicts. Those topics, featured in various articles in Carrier Management's second-quarter 2024 magazine, are natural choices for our ...
ERM and Strategic Scenario Analysis: A New Way to Think About Innovation
All iconic brands—past, present and future—share one thing in common: innovation. When done right, innovation is one of the characteristics that sets long-term, successful firms apart from the ...
Defendants, Insurers Risk Falling Behind on AI for Litigation
As generative artificial intelligence drives the innovation of legal tools, insurance defense experts are wary that failing to keep up with the plaintiffs' bar's technological advances could lead to ...
Surplus Lines Insurers Providing a Much-Needed Safety Valve for P/C Industry
Given the difficult environment for primary property/casualty carriers, the efficient use of excess and surplus (E&S) lines capacity is providing a safety valve for the declining capacity for ...
Questionable Loss Reserves: Are Legacy Reinsurance Deals the Answer?
Twenty years ago, an insurance carrier's use of reinsurance products like loss portfolio transfers and adverse development covers waved a red flag, signaling potential concerns over the company's ...
Commercial Auto Insurance Profit Struggles Continue
The commercial auto insurance segment maintained its place as a weaker-performing U.S. property/casualty insurance product line in 2023. Despite successive periods of pricing and underwriting ...