Author: Ercan Guven

AssumptionCustomers making inquiries aren’t risks—they’re just confused. RealityRepeat “what if” calls about coverage are often pre-loss rehearsals—and should be treated like soft […]

AssumptionDenied claims end the story. RealitySome customers don’t give up—they escalate. Reframe. Refile. Shift lines. The So What“Denial revenge” is real. And […]

AssumptionSmall claims below the deductible means a responsible risk. RealityOr it means a customer who tries to claim for every minor event […]

Assumption – No claim payout means ‘no problem’. Reality – Not every closed-without-pay claim is harmless. Sometimes it’s a “test balloon” for […]

A common fraud in the WC insurance space is undercounting or overcounting “volunteers”.  In most states, volunteers are not automatically covered by […]

A common underwriting fraud in WC is allocating employees to the wrong class code.  For example, an auto repair shop saying they […]

One common form of rate manipulation in WC is lowballing the employee count at policy inception.  While an audit (usually 13 to […]

Underwriting Assumption: “It says hydrant within 1,000 feet. Good protection class. Let’s move on.” Reality: I drove the street, squinted, then laughed out loud. […]

A common underwriting fraud tactic in both Home and Auto insurance is to manipulate auto and home asset details at POS to […]

A common fraud is when a person or business acquires a personal auto policy for vehicles used primarily for non-personal business use.. […]