{
  "author": {
    "name": "Nikhil Gokhale",
    "webUrl": "/author/profile/nikhil-gokhale/",
    "description": "",
    "imageLarge": "https://secure.gravatar.com/avatar/f16d6fc2845f417ea0e93a3f2b6cd37d?s=136&d=mm&r=g",
    "estimate": 5,
    "social": [],
    "articles": [
      {
        "uri": "/2021/03/02/insurers-should-upgrade-to-exponential-underwriters/",
        "title": "Insurers should upgrade to 'exponential' underwriters",
        "byline": "Sam J. Friedman and Nikhil Gokhale",
        "kicker": "Analysis",
        "prettyDate": "March 02, 2021",
        "timeToRead": "7 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2021/03/Future-Workplace.jpg-image620x372.jpg",
          "width": "620",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/sam-j-friedman/",
            "name": "Sam J. Friedman"
          },
          {
            "webUrl": "/author/profile/nikhil-gokhale/",
            "name": "Nikhil Gokhale"
          }
        ],
        "kickerNode": [
          {
            "uri": "/analysis/",
            "sectionName": "Analysis"
          }
        ],
        "summary": "Insurers are more likely to grow and thrive when they invest in modernizing their underwriting function with new data and technology.",
        "body": null
      },
      {
        "uri": "/2020/09/29/pandemic-should-prompt-insurers-to-reexamine-cybersecurity/",
        "title": "Pandemic should prompt insurers to reexamine cybersecurity",
        "byline": "Sam J. Friedman and Nikhil Gokhale",
        "kicker": "Commentary",
        "prettyDate": "September 29, 2020",
        "timeToRead": "6 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2020/09/Cybersecurity_Shutterstock.jpg",
          "width": "620",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/sam-j-friedman/",
            "name": "Sam J. Friedman"
          },
          {
            "webUrl": "/author/profile/nikhil-gokhale/",
            "name": "Nikhil Gokhale"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "Many companies are accelerating their digitization efforts. These sudden shifts compound cybersecurity issues.",
        "body": null
      },
      {
        "uri": "/2020/08/31/covid-19-drives-down-auto-premiums-but-may-improve-profits/",
        "title": "COVID-19 drives down auto premiums but may improve profits",
        "byline": "Sam J. Friedman and Nikhil Gokhale",
        "kicker": "Market Insights",
        "prettyDate": "August 31, 2020",
        "timeToRead": "5 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2020/08/Car-Insurance-Policy-Auto-Coverage-Claim_iStock_86659797.jpg",
          "width": "620",
          "height": "372"
        },
        "authors": [
          {
            "webUrl": "/author/profile/sam-j-friedman/",
            "name": "Sam J. Friedman"
          },
          {
            "webUrl": "/author/profile/nikhil-gokhale/",
            "name": "Nikhil Gokhale"
          }
        ],
        "kickerNode": [
          {
            "uri": "/market-insights/",
            "sectionName": "Market Insights"
          }
        ],
        "summary": "Personal auto net written premiums may have dropped by as much as 11.4% between the first and second quarters of 2020.",
        "body": null
      },
      {
        "uri": "/2020/07/28/covid-19-to-have-lasting-impact-on-workers-comp-premiums/",
        "title": "COVID-19 to have lasting impact on workers' comp premiums",
        "byline": "Sam J. Friedman and Nikhil Gokhale",
        "kicker": "Analysis",
        "prettyDate": "July 28, 2020",
        "timeToRead": "7 minute",
        "image": {
          "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2020/07/Workers-comp-Falcon.jpg",
          "width": "616",
          "height": "368"
        },
        "authors": [
          {
            "webUrl": "/author/profile/sam-j-friedman/",
            "name": "Sam J. Friedman"
          },
          {
            "webUrl": "/author/profile/nikhil-gokhale/",
            "name": "Nikhil Gokhale"
          }
        ],
        "kickerNode": [
          {
            "uri": "/analysis/",
            "sectionName": "Analysis"
          }
        ],
        "summary": "Absent a miraculous economic recovery, workers' comp premiums written may not return to pre-pandemic levels until 2023.",
        "body": null
      },
      {
        "uri": "/2016/12/28/nimble-should-be-the-new-normal-at-multiline-insurers/",
        "title": "Nimble should be the new normal at multiline insurers",
        "byline": "Sam J. Friedman, Nikhil Gokhale",
        "kicker": "Commentary",
        "prettyDate": "December 28, 2016",
        "timeToRead": "6 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/sam-j-friedman-nikhil-gokhale/",
            "name": "Sam J. Friedman, Nikhil Gokhale"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "Building bridges among product lines and injecting more operating flexibility into siloed insurance organizations should enable faster reallocation of resources and help carriers attain an evolving, yet optimal product portfolio and improve return on capital.",
        "body": null
      }
    ]
  }
}