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Insurance Trends, Ideas, & Analysis From Insurance Nerds

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Allstate Subsidiaries Cut Louisiana Auto Rates by Up to 7.5% Following Reform Push

2 min read

Allstate Subsidiaries Cut Louisiana Auto Rates by Up to 7.5% Following Reform Push

Louisiana Insurance Commissioner Tim Temple finalized rate decreases from two Allstate subsidiaries that will lower premiums for over 90,000 personal auto policyholders across the state. The rate reductions signal meaningful progress from...

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Kentucky's $5M Roof Grant Program Shows States Moving Beyond Hurricane Zones for Wind Mitigation

2 min read

Kentucky's $5M Roof Grant Program Shows States Moving Beyond Hurricane Zones for Wind Mitigation

Kentucky just launched a $5 million grant program for FORTIFIED roofs, proving that states far from hurricane-prone coastlines are taking wind damage...

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1 min read

Crawford Predicts Full AI Claims Automation and Eight Other Industry Shifts for 2026

Crawford & Company forecasts that simple claims will move to complete automation without human adjuster involvement, while medical costs continue...

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4 min read

What It Takes to Build A Homeowners Rater

A behind-the-scenes look at the data, decisions, and landmines involved in building a working residential insurance rater from scratch. Building a...

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2 min read

AM Best’s E&S Outlook Shift: A Sign of Market Maturity

For professionals in the Delegated Underwriting Authority Enterprise (DUAE) and Excess & Surplus (E&S) sectors, the recent headline from AM Best...

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3 min read

How AI is Transforming Insurance Buying Expectations

The insurance industry has spent years talking about digital distribution. Websites were the first step. Then came embedded experiences, self-service...

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3 min read

Overcoming The Agency Fixed-Cost Staffing Dilemma

The primary constraint on the growth and profitability of independent agencies and brokerages is not market demand, it is the structural, fixed-cost...

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2 min read

Enhancing Enterprise Risk Management (ERM) Communication

Executive Summary Enterprise Risk Management (ERM) within insurance organizations often faces challenges beyond establishing processes. While many...

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4 min read

A Ramadan Reflection: Building an Insurance Model That Honors Muslim Values

I am currently having the distinct honor of helping to stand up something new and original in the United States. How many people get to say that they...

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2 min read

Strategic Responses for Commercial Auto Insurers Facing Litigation Pressures

Executive Summary The commercial auto insurance market continues to face significant challenges stemming from an increasingly litigious environment....

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