---
title: Why Social Inflation is One of the Worst Trends - InsNerds.com
description: Is social inflation the biggest threat to insurance? Insurance policies are carefully written and painstakingly priced. What happens when culture, regulation, and legal precedents cause increasingly large payouts far beyond those predicted? Loss ratios skyrocket and rates increase. In this episode of The Insurance Nerdery, I share my thoughts on social inflation – what is
---
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# [Why Social Inflation is One of the Worst Trends - InsNerds.com](https://insnerds.com/insights/16768-2)
Written by [Amber Wuollet](https://insnerds.com/insights/author/amber-wuollet) | Feb 5, 2020 5:00:00 AM
# Why Social Inflation is One of the Worst Trends
by Amber Wuollet
Is social inflation the biggest threat to insurance?
Insurance policies are carefully written and painstakingly priced.
What happens when culture, regulation, and legal precedents cause increasingly large payouts far beyond those predicted?
Loss ratios skyrocket and rates increase.
In this episode of The Insurance Nerdery, I share my thoughts on social inflation – what is driving the trend and what it means for the industry.
### About Amber Wuollet
Amber is a people-focused creative type who is energized by challenge, fueled by coffee, and fascinated by the power of data and innovation to reshape the world. She spend her days surrounded by data scientists and product leaders who see opportunity in each problem and solutions to each question. She's the co-host of The Insurance Nerdery video blog by Insurance Nerds.
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##### [ Amber Wuollet](https://insnerds.com/author/amber-wuollet/)
[Website](https://www.linkedin.com/in/amber-wuollet/) | + posts
Amber is a people-focused creative type who is energized by challenge, fueled by coffee, and fascinated by the power of data and innovation to reshape the world. She spend her days surrounded by data scientists and product leaders who see opportunity in each problem and solutions to each question. She's the co-host of The Insurance Nerdery video blog by Insurance Nerds.
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