The “Just Asking” Gambit
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 […]
The Vengeful Risk
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 […]
The Deductible Dodger
AssumptionSmall claims below the deductible means a responsible risk. RealityOr it means a customer who tries to claim for every minor event […]
The Vanishing Claim
Assumption – No claim payout means ‘no problem’. Reality – Not every closed-without-pay claim is harmless. Sometimes it’s a “test balloon” for […]
Connected Underwriting USA 2025
Excited to attend Connected Underwriting USA 2025 in Austin. “Hope to see you there for chat about risk selection and some […]
Join us at the Scout Social Cleveland
The largest and most diverse gathering of local insurance professionals across P&C, Life, Health and Benefits,. This high-energy event is not to […]
How to think about AI progress
Tyler Cowen of Marginal Revolution has a post talking about how to measure AI progress. He points out that focused applications can […]
Why is personal lines underwriting so technologically backward?
Why is there so little personal lines insurance carrier investment in underwriting automation? After all, matching risk to rate is the fundamental […]
Hidden Pre-existing Damage
Some customers only purchase ‘Comprehensive and Collision’ Insurance when they have damage that they want repaired. This ‘pre-existing damage’ fraud is a […]
Garaging Fraud
“Garaging Fraud” is where a policyholder claims to garage their car in a low risk area to reduce their premium. An example […]
Ghost Broker Fraud
A ‘Ghost Broker’ is an unauthorized person who helps drivers get legally required auto proof of insurance for a fee. Typically, the […]
You can’t always price right
Weak risk selection forces carriers to be pricing prophets. P&C Specialist reports on the amazing range of personal auto loss ratios being […]
