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Insurance Trends, Ideas, & Analysis From Insurance Nerds

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2 min read

Optimizing AI in Insurance: The Crucial Role of Data Foundation

Artificial intelligence has moved from pilot projects to production in many property and casualty insurers. Claims estimation, predictive underwriting, and fraud detection are delivering measurable gains in speed, accuracy, and customer experience....

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2 min read

Understanding AI: What It Is and Where It Works in Insurance Agencies

Ask ten insurance agency owners what "AI" means, and you will likely get ten different answers. For some, it conjures images of chatbots answering...

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3 min read

How Verisk's 2026 Tropical Cyclone Model Update Will Affect the Property CAT Sector

Every major catastrophe model update triggers the same two questions from carriers, reinsurers, and ILS managers: "How much will my numbers move?"...

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2 min read

The Loss Ratio Is Decided in the Inbox...Before the Adjuster Opens It

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...

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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

Bench Depth Wins Long Tournaments. It Also Wins CAT Season!

Depth Wins Long Tournaments. It Also Wins CAT Season. The World Cup kicked off this past weekend. Forty-eight teams, 104 matches, 39 days, sixteen...

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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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3 min read

The Agency Operations Playbook 2 of 3: Stop Winging It: How to Build a Workflow Your Whole Team Will Actually Use

The Agency Operations Playbook 2 of 3: Stop Winging It: How to Build a Workflow Your Whole Team Will Actually Use Building a workflow sounds...

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