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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. The second is where a surprising amount of the actual risk arrives. A first notice of loss comes in...
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2 min read
Artificial intelligence has moved from pilot projects to production in many property and casualty insurers. Claims estimation, predictive...
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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...
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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?"...
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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?"...
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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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Kim Tambo: Jun 16, 2026, 4:47:06 PM
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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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...
