Insights
Insurance industry trends, case studies and policy deep-dives.
Every Carrier Wants Its Own Cyber MGA
Six deals in thirty months paired global balance sheets with cyber underwriting platforms. The independent MGA model still...
Read article →Everything Scarce in Insurance Is Becoming Abundant. Except Three Things.
How information, technology, and capital stopped being scarce, and who owns the scarcities that remain.
Read article →Insuring AI Liability Without Measuring the Risks
The first cohort of AI liability writers is live. The measurement infrastructure underneath them is not. A map...
Read article →The MGA Assembly Line
12.5% of US P&C premium now flows through MGAs and programs. $125 billion. Carriers are receding, providing just...
Read article →What RPA Should Have Taught Carriers About AI
Almost all P&C carriers are using AI somewhere. Only 10% have scaled it beyond pilots. The structural problems...
Read article →Before Your Next Renewal
Three-year programs give banks bundled pricing and stable coverage. They also give carriers three years to revise forms...
Read article →Credit Union Board Liability Gaps
Three D&O gaps hit a credit union after a breach. Each pushes more weight onto the cyber policy...
Read article →NYDFS: What It Means for Your Insurance
NYDFS has collected $63M in penalties under 23 NYCRR 500. The per-day rate applies regardless of size, and...
Read article →The Revenue Your Policy Ignores
Cyber BI definitions exclude interest income — the bulk of a bank's revenue. The exclusion is real, but...
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