Insights
Case studies, policy deep-dives, and industry analysis from an independent risk advisory practice.
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...
Read article →The Cheap-Good-Fast Triangle of Insurance
Insurance distribution chose cheap and fast. The side that fell away was good. Most bank programs have never...
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