Category
Insurance
Reinsurers Reprice Disability Cover as Mutuals Retreat From the Pool
Mutual insurers are ceding more long-term disability risk to a shrinking group of reinsurers, and the repricing is reaching employer renewal talks. Here is where the premium flows and what brokers can do.
Specialty Lines Premium Growth Outpaces Reinsurance Capacity Additions
Specialty premiums are growing faster than reinsurance capacity. Here is how cession economics, cat bond supply, and recoveries are shifting for cedents and brokers.
How State Rate Reviews Set Telematics Auto Premiums
State rate reviews decide which telematics factors insurers can use and how much discount they can offer. Here is how the approval process shapes premiums.
Cyber Liability Deductibles Bite Differently in Frankfurt and Delaware
How cyber liability deductibles behave differently in Frankfurt and Delaware, from notification clocks and trigger types to reinsurance layers and cash-flow timing.
What AI Underwriting Changes in Disability Premium Ceded to Reinsurers
AI underwriting is changing how disability premiums are priced and ceded to reinsurers. We trace the money flow, data asymmetry, and what brokers and buyers should do.
Cat Bond Investors Price Hurricane Risk Through an Index They Cannot See
Cat bonds price hurricane risk through modeled loss indices investors can't directly see. Here's how triggers, spreads, and collateral verification actually work.
Ontario Disability Insurers Price Care Differently Than Dutch Insurers
A mechanism explainer on why Ontario and Dutch insurers price long-term disability cover differently, from underwriting and definitions to public offsets.
Professional Indemnity Cover Splits Along the Atlantic Liability Divide
The same professional liability risk is priced, regulated, and distributed differently in the US and the EU. A cross-jurisdiction comparison of triggers, defense costs, and capital rules.
How Reinsurers Price French Farm Hail Against Argentine Soy Cover
How reinsurers price hail risk differently for French farm mutuals and Argentine soy pools, from loss data and public backstops to basis risk and claims timing.
Who Bears the Cost When Medicare Advantage Chart Reviews Inflate Risk Scores
Chart reviews add diagnoses after the visit, lift risk scores, and pull federal dollars into plan margins. Follow the money from encounter data to reinsurance recoveries.
Why General Liability Payouts Lag the Complaints Filed Against Them
Complaint counts against liability insurers keep rising while paid claims lag. Here is what NAIC data, court records, and reserve trends actually show about the gap.
Directors and Officers Claims Follow Premium Into Reinsurance Treaties
D&O claims outcomes often depend on reinsurance treaty terms, not the policy wording buyers review. Complaint data and court records show where the money and control actually sit.
Telematics Discounts Cede Less Premium Than the Risk They Price
Telematics discounts cut premium faster than they cut risk, leaving primary carriers to absorb the variance when reinsurance recoveries lag the discount schedule.
Louisiana Citizens Rate Increases Face the State's Approval Process
Louisiana Citizens files homeowner rate requests with the state insurance department. Here is how the review works, what filings show, and how to track one.
In Bermuda, Cat Bond Sponsors Route Premiums Through Empty Reinsurers
Bermuda cell reinsurers with no staff route catastrophe bond premiums through shell entities. Regulatory filings and the Vesttoo fraud show how sponsors book fees before losses emerge.
US Telematics Auto Cover Cedes Less Premium Than German Motor Policies
US telematics auto programs cede far less premium to reinsurers than German motor books. Here is how cession rates, capital rules, and data quality drive the gap.
Medicare Advantage Pays Hospitals Differently Than Dutch Basic Cover
A cross-jurisdiction look at how Medicare Advantage and Dutch basic cover price risk, route premiums, and settle claims, and what each payment design rewards.
Ride-Share Fleets Cede Premium the Hourly Driver Rate Never Covers
Ride-share fleets price premium per mile and per risk score, not per driver hour. Here is how that premium is calculated, ceded, and recovered.
Cyber Liability Premiums Track Breach Volume Better Than Revenue
Cyber liability premiums follow breach counts and control quality far more than revenue. Here is how underwriters price the risk and where the money actually flows.
Vermont's Individual Market Rate Filings and the All-Payer Waiver
Vermont's individual health insurance market faces a small, high-cost pool. Rate filings and the all-payer waiver shape premiums and carrier decisions.
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