Emerging Exposures
Emerging Exposures

As exposures evolve and new risks arise, our dedicated team of underwriters, account executives and claims experts share their knowledge in a variety of ways including in-depth articles, blogs and presentations.

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This three-part series – in collaboration with NAMIC – examines inflation and its impact on insurers.

With some signs suggesting that inflationary pressures have somewhat stabilized, it’s instructive to examine what’s been driving them since 2020. Social inflation has added increased pressure on the industry in recent years, and further adding to the industry’s woes is inflation.

Pedestrian Fatalities Are on the Rise. How Do We Fix That?
Between the first half of 2019 and 2023, U.S. pedestrian fatalities rose seven times the rate of population growth, to a point where on average 20 people each day of the year lose their lives while walking. Let’s see what’s driving this trend and explore what might be done to save lives.
Timothy Fletcher
Financial Analysis – Challenging Times for Many U.S. Mutual Insurers
Details the U.S. regions hardest hit by hail, tornadoes, and wind events in 2023, examining the correlation between these events and the financial results of Mutual insurers in those regions. The current year might prove to be even more devastating than the last due to high temperatures and strong atmospheric jet streams.
Timothy Fletcher, William Wilt (President of Assured Research) (guest contributor)
First Industrial Death Linked to Cosmic Radiation Recognized in South Korea
In a landmark decision in South Korea, the death of a male flight attendant from gastric cancer was ruled an industrial accident caused by cosmic radiation. Although the link between cosmic radiation and cancer is a relatively new medical development, it’s an emerging insurance risk. We describe the impact of this ruling.
Priscilla Tsang
Generative Artificial Intelligence in Insurance – Three Lessons for Transformation from Past Arrivals of General-Purpose Technologies
Past arrivals of GPTs offer insights into potential implications of the diffusion process of Generative AI. What do these observations imply for an insurer’s technology choices in the Generative AI adoption process? How can business leaders steer the diffusion of this technology in the organization?
Frank Schmid

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