Insurance Carriers' Race for Top 10% of Business

Race for the Top 10%

After studying the portfolios of commercial lines insurers, we discovered that 10% of their books contributed over 50% of expected profit across a range of companies and lines of business,… More »

A Farewell Letter to Traditional Insurance Loss Ratio

Goodbye, Loss Ratio

Dear Loss Ratio, There’s so much I want to say to you, but I’m not sure where I should begin.  Should I start by telling you how much you’ve taught… More »