Industry Trends
Insurance technology, carrier strategy, MGA operations, and market structure analysis.
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 →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...
Read article →Hurricanes vs. Hackers
Cyber catastrophe bonds have crossed $1.2 billion. The capital markets are betting on a risk they cannot fully...
Read article →Buy or Cede
Zurich paid $10.9B for Beazley. Allianz handed its cyber book to Coalition. Two opposite strategies, one admission: we...
Read article →The Counterparty Question: AI-Native Insurance Carriers
AI-native carriers raise $260M and quote in minutes. When a bank needs to file a claim, who pays?...
Read article →Premiums Down, Claims Up
US cyber premiums fell 7% while claims rose 40%. For community banks at renewal, a lower premium is...
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