Latest Posts

Sub-Saharan Africa: Insurance’s New Frontier?

Africa-Insurance-Penetration

Sub-Saharan Africa (SSA) is not only fascinating for tourists, but it has started to get serious attention from the insurance industry as well. Indeed, insurance companies are starting to look at SSA with both interest and caution. Africa’s economy has … Continue reading →

Cheapest Ever Insurance Prices: Surely That’s Good News For The Energy Industry?

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Energy companies are under the strongest of pressure to cut costs as much as possible in this challenging business environment. So no doubt they are delighted to read in our latest Energy Market Review that insurance market capacity is up, … Continue reading →

The Health Care Macro-trends Employers Need to Understand

healthcare-trends

Employer-provided health care is in the midst of the most dynamic change in over two decades, fueled by a convergence of trends that have created new opportunities and also new challenges as organizations craft their health benefit and workforce health … Continue reading →

How P&C Insurers Are Using, or Plan to Use, Big Data

future-predictive-modeling

Big data has become a topic of great interest in the insurance industry over the past few years. Data alone isn’t enough; big data is the focus. As we reviewed insurer responses to our 2015 Predictive Modeling Survey, it became … Continue reading →

First Look: Inflated Risk From The New DOL Fiduciary Standard Conundrums

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The key question facing today’s financial services firms is how to assess and mitigate risks from the Department of Labor’s (DOL) expanded definition of “investment advice fiduciary” under the Employee Retirement Income Security Act of 1974 (ERISA). The common theme … Continue reading →

Five Areas of Real Concern for the Energy Industry

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This year the energy industry is facing possibly its greatest challenge in 50 years as oil prices plunge and inventories reach record levels.  For the foreseeable future, Capex discipline and operating cost reductions are going to be primary drivers for … Continue reading →

The Perils of a Professional Indemnity Exclusion in a D&O Policy

professional-services-or-professional-indemnity

Where is the line drawn between directors and officers (D&O) insurance and professional indemnity insurance? The question is important not just for companies that purchase both forms of insurance but also for those who buy D&O insurance alone but nevertheless … Continue reading →

For ERM, a Better Solution to Guessing Frequency and Severity Pairs for Risks

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To compare your best guesses about frequency and severity of risks, you need to recognize that each risk likely has a wide variety of frequency severity pairs. Continue reading →

The Sharing Economy and The Forgotten Man

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The golden pin that holds together and supercharges the shared economy is the classification of workers as independent contractors. Continue reading →

Chief Risk Officer 3.0: Darwinism at Work

CRO Darwininsm

The role of the chief risk officer (CRO) in European insurance companies has evolved quickly in the last 20 years. Now, I believe that the passage of Solvency II is moving the goalposts again. Continue reading →