Nicholas Lamparelli

2 min read

Operational Accountability and AI Governance in Insurance With Florida Regulator, Mike Yaworsky

The property and casualty insurance industry faces a dual challenge: navigating complex catastrophe-exposed markets and managing the rapid integration of artificial intelligence. In the inaugural class of the 2026 Policy Makers Annual Report, Pete...

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1 min read

The Claim Signal That Never Gets Filed

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....

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3 min read

State Farm's Agency Overhaul: Good Strategy, Flawed Execution

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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2 min read

An Accountability Blind Spot: AI Agents in Insurance

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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2 min read

California's Insurance Commissioner Race: Two Democrats, Two Divergent Visions

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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2 min read

A Model of Premium Reconciliation For States With Excess & Surplus Lines Insurance Capacity

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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2 min read

Fixing Cyber Risk Transfer: What Insurance Pros Must Know

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,...

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3 min read

Digital Twins & Property Insurance Operations

Property digital twins have quietly moved past the proof-of-concept stage, and the implications for underwriting, claims, and portfolio management...

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3 min read

Chief Underwriting Officers Want Answers, Not Imagery

The market for geospatial property data is shifting from raw imagery to pre-digested, decision-ready analytics, and the implications ripple across...

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3 min read

Time-Aware Property Data and What It Means for Pricing

Static property snapshots are giving way to longitudinal data, and the pricing implications are real. For years, property intelligence has meant a...

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