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....
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?"...
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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....
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Nicholas Lamparelli: Jun 23, 2026, 3:28:42 PM
With California's insurance market under sustained pressure from escalating wildfire losses, the 2026 race to lead the California Department of...
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Nicholas Lamparelli: Jun 14, 2026, 11:52:53 AM
The surplus lines insurance market continues to grow in the United States, yet many states may be losing significant premium tax revenue due to...
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Nicholas Lamparelli: May 13, 2026, 9:53:25 AM
The cyber insurance market has a structural problem, and it is not a coverage gap in the traditional sense. It is a documentation and execution gap,...
3 min read
Nicholas Lamparelli: Apr 30, 2026, 10:12:57 AM
Property digital twins have quietly moved past the proof-of-concept stage, and the implications for underwriting, claims, and portfolio management...
