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Once again the Merry Month of May has arrived, and spring has sprung all about our neck of the woods. And what is spring, but a time to turn one's thoughts to renewal, rebirth and fertility. Before that sentence takes you too far astray, remember
Are you a property-casualty agent? Are you an attorney? If, like most of us, you answered "yes" to the former question and "no" to the latter, why would you want to enlarge your E&O exposure beyond its already formidable size by acting like an
Welcome again to March, which is National Ethics Month, sponsored by the CPCU Society and other fine insurance organizations. Here at "Policy Issues" we have a tradition of making ethics the focus of our March article.Perhaps you wonder
MAYBE OBI-WAN was right. Once you start down the path to the Dark Side, it will forever rule your destiny. This seems to be true--at least if you go by my experience in seminar teaching. Clearly many insurance folks--once normal,
HAPPY 2007! As Buffalo Bob used to say, "What time is it, kids?" Why, it's New Year's Resolutions Time! So let's get right to it with our first resolution.Read your forms! OK, I admit it--this is always my
Welcome back, my friends, to December and the holiday season! As is our tradition here at Policy Issues, we set aside our typical insurance analysis for a moment of fun and frivolity, as we acknowledge the foibles of our favorite business. So, don
THOSE of you who read Fortune magazine may be familiar with a recurring short feature called "You Do What?" It briefly describes the duties of one who labors in a job that is essential, yet off the beaten path. In a recent issue, the feature profiled
HAVE YOU ever heard the story about the preacher who delivered a sermon about the duty of all true believers to give faithfully to the Lord's work? "If you had the cattle on a thousand hills," he said, "would you deny the Lord His due and refuse to
HAVE YOU ever heard the story about the preacher who delivered a sermon about the duty of all true believers to give faithfully to the Lord's work? "If you had the cattle on a thousand hills," he said, "would you deny the Lord His due and refuse to
Back in your playground days, you likely heard the saying, "Sticks and stones may break my bones, but words can never hurt me!" It was a lie. Criticism, especially from someone you seek to impress, does hurt. And it's even more painful when the

From ZestyAI
Roof age is one of the most critical factors in property insurance, yet it?s also one of the most unreliable. For years, insurers have relied on self-reported or agent-supplied data that is often inaccurate, incomplete, or outdated. This report reveals how an AI-powered, multi-source approach provides the truth about roof age and its impact on risk.
Download Resource
From RPS | Risk Placement Services
The healthcare liability market is bending. With tightening capacity, more intentional underwriting, and a supply-demand imbalance, the margin for error has never been slimmer. To overcome these obstacles and stay ahead, brokers must prioritize early engagement, elevate submission quality, and leverage specialized expertise to construct creative solutions.
Download Resource
From Soteris
In a soft auto market, one P&C insurer cut rates, surged new business volume 2.9x, and improved their loss ratio by 3 points. This case study reveals the AI-powered strategy they used to achieve profitable growth.
Download Resource
From Cincom
Organizations face a dual challenge: reducing costs while meeting rising customer expectations. This whitepaper explores how Customer Communication Management (CCM) drives measurable ROI by improving CX and operational efficiency.
Download Resource
From Cincom
Are your legacy communication systems creating compliance risks and frustrating customers? This white paper compares outdated platforms to modern CCM, revealing how to boost agility, cut costs, and deliver the personalized experiences clients now demand.
Download Resource
From Cincom
Insurers face pressure to deliver fast, accurate, personalized communication. This guide explains how to use Cincom Eloquence to streamline processes, reduce manual work, ensure compliance, and lower IT dependency for an enhanced customer experience.
Download Resource
From Cincom
Most health insurers use a transactional "notifier" approach for claims, creating friction. This guide introduces the "Navigator Approach," a model that uses Customer Communications Management (CCM) to humanize the claims journey, building member loyalty and trust.
Download Resource
From Cincom
P&C insurers face complex regulations and costly manual compliance. This white paper reveals how to leverage automation to mitigate risk, accelerate speed to market, and turn compliance into a competitive advantage.
Download Resource
From Cincom
Maintaining compliance with regulations like DORA, GDPR, and HIPAA is a critical business imperative. This white paper explores how a robust Customer Communication Management (CCM) solution helps centralize and automate processes to ensure compliance.
Download Resource
From ECHO
Policyholders expect fast, digital claim payments, but the P&C industry lags behind, risking customer loyalty. This guide explores how to overcome barriers to digital adoption and transform your payment process for the modern consumer.
Download Resource
From Zywave
As the insurance market softens, are your client relationships at risk? This self-assessment framework for P&C professionals helps you identify 7 critical signals in client behavior to strengthen retention before it?s too late.
Download Resource
From Soteris
See how one admitted insurer achieved a 14-point loss ratio improvement in just 6 months. This case study details how they moved from static rules to dynamic, data-driven risk intelligence to boost profitability and market agility.
Download Resource
From TomTom
The commercial auto insurance market is notoriously unprofitable. Discover how leading insurers are reversing this trend by enriching telematics with contextual location data to improve risk selection, reduce premium leakage, and boost ROI.
Download Resource
From TomTom
Traditional zip code data is too broad for accurate risk analysis. Explore how granular location and traffic data can help carriers improve territory definition for more competitive and precise auto insurance policy pricing.
Download Resource
From ZestyAI
Everyday non-weather fires are the highest-severity peril in homeowners insurance, yet many carriers still rely on community-level metrics that miss true ignition risk at the property level.
Download Resource
From Capgemini
Generali GC&C transformed its global underwriting by replacing legacy systems with a Gen AI-powered SaaS platform. Discover how this partnership with Capgemini increased efficiency by 80% and cut costs. Download the case study.
Download Resource
From Capgemini
Many P&C insurers are investing in AI, but few are seeing a true competitive advantage. This report reveals why most programs stall and how a select group of 'intelligence trailblazers' are pulling ahead. Download it to learn their secrets.
Download Resource
From ECHO
P&C insurers invest heavily in technology but still rely on multiple systems for claims payments. This brief outlines how a single, integrated solution can streamline workflows, reduce costs, and improve the claimant experience.
Download Resource
From REInsurePro
The rental market is evolving. This guide equips agents to navigate the complexities of insuring short-term rentals, flips, and vacant properties, helping you avoid coverage gaps and better serve real estate investor clients.
Download Resource
From REInsurePro
The real estate investment sector is booming, bringing a surge of clients who need more than just a basic property policy. Learn how to anticipate their coverage needs, bridge the knowledge gap, and position your agency as an indispensable partner as they grow their portfolios.
Download Resource
From ePayPolicy
Manual back-office processes can slow you down and cap your MGA's growth. Discover how top MGAs are winning back margins by automating payments and eliminating the costly churn in their cash flow. This guide will help you unlock your true scaling potential.
Download Resource
From ePayPolicy
Disconnected payment systems create friction, stall cash flow, and increase audit risk for MGAs, carriers, and agencies. This guide explores the insurance payment ecosystem and how to fix bottlenecks without a total infrastructure remodel.
Download Resource
From ECHO
With 79% of organizations impacted by payment fraud, legacy systems are failing to keep pace. This guide explores nine critical questions to help insurance organizations modernize their defenses and protect against today's threats.
Download Resource
From ZestyAI
For years, competitive analysis has centered on pricing. But filings now show a deeper shift underway -- one that's harder to see, slower to benchmark, and far more durable. This special report analyzes millions of regulatory filings to reveal how the modern insurance contract is being rewritten, and what it means for your competitive position.
Download Resource
From ZestyAI
After three consecutive years of record-breaking severe convective storm (SCS) losses, the risk landscape has changed. This report provides critical insights into the drivers of these losses and what insurers must know to protect portfolios in 2026.
Download Resource
From ePayPolicy
Paper payments are driving significant losses through hidden costs, manual labor, and compliance risks. This guide reveals the true financial drain of manual workflows and provides a clear path to digital payment optimization to boost your bottom line.
Download Resource
From ZestyAI
Non-weather water damage is a top peril eroding profitability for insurers, and traditional risk models fall short. This guide explores how AI-powered, property-level data can improve underwriting, pricing accuracy, and proactive risk mitigation.
Download Resource
From ZestyAI
Traditional roof risk assessment falls short. Ballooning combined ratios demand better methods. This guide reveals how AI and new data sources provide significant lift over traditional models for hail and wind risk.
Download Resource
From ZestyAI
Explore how AI is reshaping underwriting, pricing, and claims--while meeting rising regulatory expectations. This special guide cuts through the noise to reveal real-world use cases, debunk myths, and offer actionable best practices for responsible implementation.
Download Resource
From ZestyAI
Roof age is one of the most critical factors in property insurance, yet it?s also one of the most unreliable. For years, insurers have relied on self-reported or agent-supplied data that is often inaccurate, incomplete, or outdated. This report reveals how an AI-powered, multi-source approach provides the truth about roof age and its impact on risk.
Download Resource
From RPS | Risk Placement Services
The healthcare liability market is bending. With tightening capacity, more intentional underwriting, and a supply-demand imbalance, the margin for error has never been slimmer. To overcome these obstacles and stay ahead, brokers must prioritize early engagement, elevate submission quality, and leverage specialized expertise to construct creative solutions.
Download Resource
From Soteris
In a soft auto market, one P&C insurer cut rates, surged new business volume 2.9x, and improved their loss ratio by 3 points. This case study reveals the AI-powered strategy they used to achieve profitable growth.
Download Resource
From Cincom
Organizations face a dual challenge: reducing costs while meeting rising customer expectations. This whitepaper explores how Customer Communication Management (CCM) drives measurable ROI by improving CX and operational efficiency.
Download Resource
From Cincom
Are your legacy communication systems creating compliance risks and frustrating customers? This white paper compares outdated platforms to modern CCM, revealing how to boost agility, cut costs, and deliver the personalized experiences clients now demand.
Download Resource
From Cincom
Insurers face pressure to deliver fast, accurate, personalized communication. This guide explains how to use Cincom Eloquence to streamline processes, reduce manual work, ensure compliance, and lower IT dependency for an enhanced customer experience.
Download Resource
From Cincom
Most health insurers use a transactional "notifier" approach for claims, creating friction. This guide introduces the "Navigator Approach," a model that uses Customer Communications Management (CCM) to humanize the claims journey, building member loyalty and trust.
Download Resource
From Cincom
P&C insurers face complex regulations and costly manual compliance. This white paper reveals how to leverage automation to mitigate risk, accelerate speed to market, and turn compliance into a competitive advantage.
Download Resource
From Cincom
Maintaining compliance with regulations like DORA, GDPR, and HIPAA is a critical business imperative. This white paper explores how a robust Customer Communication Management (CCM) solution helps centralize and automate processes to ensure compliance.
Download Resource
From ECHO
Policyholders expect fast, digital claim payments, but the P&C industry lags behind, risking customer loyalty. This guide explores how to overcome barriers to digital adoption and transform your payment process for the modern consumer.
Download Resource
From Zywave
As the insurance market softens, are your client relationships at risk? This self-assessment framework for P&C professionals helps you identify 7 critical signals in client behavior to strengthen retention before it?s too late.
Download Resource
From Soteris
See how one admitted insurer achieved a 14-point loss ratio improvement in just 6 months. This case study details how they moved from static rules to dynamic, data-driven risk intelligence to boost profitability and market agility.
Download Resource
From TomTom
The commercial auto insurance market is notoriously unprofitable. Discover how leading insurers are reversing this trend by enriching telematics with contextual location data to improve risk selection, reduce premium leakage, and boost ROI.
Download Resource
From TomTom
Traditional zip code data is too broad for accurate risk analysis. Explore how granular location and traffic data can help carriers improve territory definition for more competitive and precise auto insurance policy pricing.
Download Resource
From ZestyAI
Everyday non-weather fires are the highest-severity peril in homeowners insurance, yet many carriers still rely on community-level metrics that miss true ignition risk at the property level.
Download Resource
From Capgemini
Generali GC&C transformed its global underwriting by replacing legacy systems with a Gen AI-powered SaaS platform. Discover how this partnership with Capgemini increased efficiency by 80% and cut costs. Download the case study.
Download Resource
From Capgemini
Many P&C insurers are investing in AI, but few are seeing a true competitive advantage. This report reveals why most programs stall and how a select group of 'intelligence trailblazers' are pulling ahead. Download it to learn their secrets.
Download Resource
From ECHO
P&C insurers invest heavily in technology but still rely on multiple systems for claims payments. This brief outlines how a single, integrated solution can streamline workflows, reduce costs, and improve the claimant experience.
Download Resource
From REInsurePro
The rental market is evolving. This guide equips agents to navigate the complexities of insuring short-term rentals, flips, and vacant properties, helping you avoid coverage gaps and better serve real estate investor clients.
Download Resource
From REInsurePro
The real estate investment sector is booming, bringing a surge of clients who need more than just a basic property policy. Learn how to anticipate their coverage needs, bridge the knowledge gap, and position your agency as an indispensable partner as they grow their portfolios.
Download Resource
From ePayPolicy
Manual back-office processes can slow you down and cap your MGA's growth. Discover how top MGAs are winning back margins by automating payments and eliminating the costly churn in their cash flow. This guide will help you unlock your true scaling potential.
Download Resource
From ePayPolicy
Disconnected payment systems create friction, stall cash flow, and increase audit risk for MGAs, carriers, and agencies. This guide explores the insurance payment ecosystem and how to fix bottlenecks without a total infrastructure remodel.
Download Resource
From ECHO
With 79% of organizations impacted by payment fraud, legacy systems are failing to keep pace. This guide explores nine critical questions to help insurance organizations modernize their defenses and protect against today's threats.
Download Resource
From ZestyAI
For years, competitive analysis has centered on pricing. But filings now show a deeper shift underway -- one that's harder to see, slower to benchmark, and far more durable. This special report analyzes millions of regulatory filings to reveal how the modern insurance contract is being rewritten, and what it means for your competitive position.
Download Resource
From ZestyAI
After three consecutive years of record-breaking severe convective storm (SCS) losses, the risk landscape has changed. This report provides critical insights into the drivers of these losses and what insurers must know to protect portfolios in 2026.
Download Resource
From ePayPolicy
Paper payments are driving significant losses through hidden costs, manual labor, and compliance risks. This guide reveals the true financial drain of manual workflows and provides a clear path to digital payment optimization to boost your bottom line.
Download Resource
From ZestyAI
Non-weather water damage is a top peril eroding profitability for insurers, and traditional risk models fall short. This guide explores how AI-powered, property-level data can improve underwriting, pricing accuracy, and proactive risk mitigation.
Download Resource
From ZestyAI
Traditional roof risk assessment falls short. Ballooning combined ratios demand better methods. This guide reveals how AI and new data sources provide significant lift over traditional models for hail and wind risk.
Download Resource
From ZestyAI
Explore how AI is reshaping underwriting, pricing, and claims--while meeting rising regulatory expectations. This special guide cuts through the noise to reveal real-world use cases, debunk myths, and offer actionable best practices for responsible implementation.
Download Resource
From ZestyAI
Roof age is one of the most critical factors in property insurance, yet it?s also one of the most unreliable. For years, insurers have relied on self-reported or agent-supplied data that is often inaccurate, incomplete, or outdated. This report reveals how an AI-powered, multi-source approach provides the truth about roof age and its impact on risk.
Download Resource