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Underwriting leaders at commercial carriers carefully monitor their portfolios and constantly define necessary adjustments to their underwriting strategies (e.g., re-balancing the product mix for some classes of risks, growing specific industry segments). That’s the relatively easy part. Translating and communicating high-level directions for ‘front line’ underwriters (i.e., underwriters assessing risks on individual accounts) to follow is typically where execution breaks down. Carriers with scale relying on large and decentralized networks of underwriters are even more exposed to this common execution challenge.

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