2 min read
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Nicholas Lamparelli: Aug 28, 2026, 2:45:28 PM
Most carriers do not own their core systems. They license them. The distinction is easy to ignore during normal operations and impossible to ignore at three moments: when the roadmap does not include what you need, when the renewal arrives, and when...
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3 min read
Nicholas Lamparelli: Aug 26, 2026, 10:18:44 AM
Toni Logan of American Integrity on the agent strategy that held through Florida's worst years FOCUS Insurance Services has published its 2026 Policy...
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Nicholas Lamparelli: Aug 21, 2026, 11:50:39 AM
The property and casualty insurance industry faces a dual challenge: navigating complex catastrophe-exposed markets and managing the rapid...
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1 min read
Nicholas Lamparelli: Aug 20, 2026, 2:15:08 PM
Every claims organization has two systems of record. One is the claim system. The other is an inbox. The first is governed, audited, and reportable....
2 min read
Artificial intelligence has moved from pilot projects to production in many property and casualty insurers. Claims estimation, predictive...
2 min read
Raul Guerra: Aug 11, 2026, 11:59:43 AM
Ask ten insurance agency owners what "AI" means, and you will likely get ten different answers. For some, it conjures images of chatbots answering...
3 min read
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David Delaney: Aug 10, 2026, 2:49:01 PM
Every major catastrophe model update triggers the same two questions from carriers, reinsurers, and ILS managers: "How much will my numbers move?"...
2 min read
Sean Chou: Aug 6, 2026, 11:51:28 AM
The most consequential moments in a claim happen before the claim is ever opened. A demand letter lands in an adjuster's inbox at 4:47 PM on a...
3 min read
Nicholas Lamparelli: Jul 24, 2026, 11:43:31 AM
This article is inspired by and builds upon Ian Gutterman's original analysis, "State Farm: Is What's Bad For Agents Good For Policyholders?"...
2 min read
Nicholas Lamparelli: Jul 8, 2026, 12:35:20 PM
AI in insurance is moving fast. We are rapidly transitioning from analytical AI that tells us what to do to autonomous AI agents that actually do it....
