As Warren Buffett famously said, “You only have to be able to evaluate companies within your circle of competence. The size of that circle is not very important; knowing its boundaries, however, is vital.” 1 One can also apply this concept to mutual insurance...

Technology, big data, and sophisticated rating algorithms have transformed the Personal Lines marketplace. Nowhere is this change more apparent than in the world of comparative raters. Today independent agents can place business the same way we book travel. Think...

Part 3 in our series examining the Small Commercial marketplace and the strategic capabilities insurers can utilize for profitable expansion in this market. It is no secret that the world of insurance is moving increasingly towards efficient, online-based, low- or...

COVID changed everything. From changing driving patterns, to supply chain issues, to inflation and rising gas prices, carriers are attempting to cope with frequency and severity trends. For companies to adapt to the quickly changing rate landscape and avoid adverse...

Telematics: From Promise to Profitable Product  Telematics is no longer a niche. The technology can drive value and in the two years I spent leading a telematics program I was able to: Grow adoption over 300% with independent agents Redesign an end-to-end mobile app...

By Aaron Augustyniak, Treaty Account Executive, and Jess Butler, Chief Operating Officer, Mutual Capital Analytics Part 2 in our series examining the Small Commercial marketplace and the five strategies insurers can utilize for profitable expansion into this market....

Part 1 in our series examining the Small Commercial marketplace and the five strategies insurers can utilize for profitable expansion into this market. The Small Commercial marketplace is an outstanding opportunity for insurance companies of all sizes to profitably...

The insurance industry is perpetually evolving with technology, innovation, and data analytics. Data, both internal and external, has become readily available for insurance carriers over the past few decades. The use of this data is multifaceted and has become vital...