Our Perspective

  • Thoughts on Group Insurance - a wholesale model in a retail world

    By Drew King|December 19, 2012|English

    You hear about it all the time – the focus of the group insurance market is shifting from the employer to the employee/consumer. We’ve also been hearing about it for a long time; I remember being part of a large carrier initiative on the...

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  • Valuing EPLI Risk Management Services

    By Mindy Pollack |December 17, 2012|English

    At a recent industry webinar, we polled insurance agents to learn about how they evaluate Employment Practices Liability Insurance (EPLI) coverage for their customers. The agents were well aware of the need for insurance protection from employee lawsuits,...

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  • Dogs Bite Personal Umbrella Insurers

    By Matt Burns |December 12, 2012|English

    We are finishing up our Cause of Loss study for Personal Umbrella, so I took a look at the dog bite claims in our book. Looking at our loss register, I found out the following: - National issue - Our claims, like the cases described in our publication,...

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  • Ratings - A restricted view of Reinsurance Default Risk?

    By Darius Weglarz|December 06, 2012|English

    The European Commission’s Solvency II Directive prescribes a formulaic approach to reinsurance risk management, but it doesn’t mean that insurers can neglect their own qualitative and quantative analysis when selecting reinsurance partners....

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  • Critical Illness Pricing 101

    By Steve Rowley |December 04, 2012|English

    In our prior Critical Illness blog entry we discussed some of the important factors to consider when developing a Critical Illness (CI) insurance product. For this blog entry I’ve worked closely with Cyriac Kottoor, our CI pricing actuary, to...

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  • Insurance Agents and Brokers E&O Business - We wish we could reinsure more

    By James Nealon |November 30, 2012|English

    There are, depending on who’s counting, two or three dominant Insurance Agents & Brokers E&O markets in the U.S. These have been in the market for years with consistent approaches to the business. They tend to stick to their knitting,...

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