{
  "author": {
    "name": "Michael Brown",
    "webUrl": "/author/profile/michael-brown/",
    "description": "",
    "imageLarge": "https://secure.gravatar.com/avatar/f16d6fc2845f417ea0e93a3f2b6cd37d?s=136&d=mm&r=g",
    "estimate": 13,
    "social": [],
    "articles": [
      {
        "uri": "/2019/12/20/underwriting-and-uncertainty-heuristics-and-biases/",
        "title": "Underwriting uncertainty: Heuristics and biases",
        "byline": "Michael Brown",
        "kicker": "Best Practices",
        "prettyDate": "December 20, 2019",
        "timeToRead": "9 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2019/12/Insurance-policy-Bigstock.jpg",
          "width": "620",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/michael-brown/",
            "name": "Michael Brown"
          }
        ],
        "kickerNode": [
          {
            "uri": "/best-practices/",
            "sectionName": "Best Practices"
          }
        ],
        "summary": "Understanding the sources of cognitive and intuitive errors can help give underwriters the tools needed to avoid mistakes.",
        "body": null
      },
      {
        "uri": "/2019/10/31/left-holding-the-bagin-the-dark/",
        "title": "'Left holding the bag…in the dark': A look at the Calif. blackouts",
        "byline": "Michael Brown",
        "kicker": "Analysis",
        "prettyDate": "October 31, 2019",
        "timeToRead": "5 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2019/10/Cali-blackout-Bloomberg-1.jpg",
          "width": "620",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/michael-brown/",
            "name": "Michael Brown"
          }
        ],
        "kickerNode": [
          {
            "uri": "/analysis/",
            "sectionName": "Analysis"
          }
        ],
        "summary": "Will utility companies reimburse customers for their financial loss caused by recent power outages to mitigate wildfire risk?",
        "body": null
      },
      {
        "uri": "/2019/09/10/turbulent-waters-ahead/",
        "title": "Turbulent waters ahead",
        "byline": "Michael Brown",
        "kicker": "Commentary",
        "prettyDate": "September 10, 2019",
        "timeToRead": "9 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2019/09/Flood-AP.jpg",
          "width": "620",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/michael-brown/",
            "name": "Michael Brown"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "Is now the time for a comprehensive overhaul of the NFIP?",
        "body": null
      },
      {
        "uri": "/2019/03/06/turbulence-ahead-with-emerging-risks-in-pc-insurance/",
        "title": "Turbulence ahead with emerging risks in P&C insurance",
        "byline": "Michael Brown, CPCU",
        "kicker": "Commentary",
        "prettyDate": "March 06, 2019",
        "timeToRead": "5 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2019/03/clouds-turmoil-concept-shutterstock.jpg",
          "width": "616",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/michael-brown-cpcu/",
            "name": "Michael Brown, CPCU"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "Insurance agents, brokers and insureds should guard against complacency.",
        "body": null
      },
      {
        "uri": "/2018/12/19/pc-insurance-industry-lessons-learned-in-2018/",
        "title": "P&C insurance industry lessons learned in 2018",
        "byline": "Michael Brown, CPCU",
        "kicker": "Commentary",
        "prettyDate": "December 19, 2018",
        "timeToRead": "6 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2018/12/Alaska-earthquake-road-damage-JonathanMLettow-AP_18338749387223.jpg",
          "width": "616",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/michael-brown-cpcu/",
            "name": "Michael Brown, CPCU"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "Valuable lessons include the need to avoid complacency and that complex problems rarely have simple, quick fix solutions.",
        "body": null
      },
      {
        "uri": "/2018/11/28/talent-gap-in-insurance-how-to-adapt-to-senior-staff-retiring/",
        "title": "Talent gap in insurance: How to adapt to senior staff retiring",
        "byline": "Michael Brown, CPCU",
        "kicker": "Commentary",
        "prettyDate": "November 28, 2018",
        "timeToRead": "7 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2018/11/recruitment-job-candidates-istock.jpg",
          "width": "616",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/michael-brown-cpcu/",
            "name": "Michael Brown, CPCU"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "It's not enough to make opportunities available to the younger generation — we must invest our time and attention.",
        "body": null
      },
      {
        "uri": "/2018/04/11/what-happens-if-the-natural-disaster-never-comes/",
        "title": "What happens if the natural disaster never comes?",
        "byline": "Michael Brown",
        "kicker": "Best Practices",
        "prettyDate": "April 11, 2018",
        "timeToRead": "5 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2018/04/Risk_Management_Closed.jpg",
          "width": "616",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/michael-brown/",
            "name": "Michael Brown"
          }
        ],
        "kickerNode": [
          {
            "uri": "/best-practices/",
            "sectionName": "Best Practices"
          }
        ],
        "summary": "A business can still suffer monetary damage when forced to close shop to comply with orders from civil authorities.",
        "body": null
      },
      {
        "uri": "/2018/04/11/who-pays-the-claims-costs-if-the-natural-disaster-never-comes/",
        "title": "Who pays the claims costs if the natural disaster never comes?",
        "byline": "Michael Brown",
        "kicker": "Analysis",
        "prettyDate": "April 11, 2018",
        "timeToRead": "5 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2018/04/Risk_Management_Closed.jpg",
          "width": "616",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/michael-brown/",
            "name": "Michael Brown"
          }
        ],
        "kickerNode": [
          {
            "uri": "/analysis/",
            "sectionName": "Analysis"
          }
        ],
        "summary": "A business can still suffer monetary damage when forced to close shop to comply with orders from civil authorities.",
        "body": null
      },
      {
        "uri": "/2018/04/11/who-pays-the-claims-costs-if-the-natural-disaster/",
        "title": "Who pays the claims costs if the natural disaster never comes?",
        "byline": " Michael Brown ",
        "kicker": "Analysis",
        "prettyDate": "April 11, 2018",
        "timeToRead": "5 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2018/04/Risk_Management_Closed.jpg",
          "width": "616",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/michael-brown/",
            "name": "Michael Brown"
          }
        ],
        "kickerNode": [
          {
            "uri": "/analysis/",
            "sectionName": "Analysis"
          }
        ],
        "summary": "A business can still suffer monetary damage when forced to close shop to comply with orders from civil authorities.",
        "body": null
      },
      {
        "uri": "/2017/11/23/mitigating-the-no-1-natural-disaster-in-the-u-s/",
        "title": "Mitigating the No. 1 natural disaster in the U.S.",
        "byline": "Michael Brown",
        "kicker": "Expert Opinion",
        "prettyDate": "November 23, 2017",
        "timeToRead": "7 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/michael-brown/",
            "name": "Michael Brown"
          }
        ],
        "kickerNode": [
          {
            "uri": "/expert-opinion/",
            "sectionName": "Expert Opinion"
          },
          {
            "uri": "/news/",
            "sectionName": "News"
          }
        ],
        "summary": "Be proactive in mitigating losses from winter flooding by understanding the risk and types of coverage to protect against it.",
        "body": null
      }
    ]
  }
}