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    The Future of Risk

    Discover 'The Future of Risk': Innovation, Tech, & Disruption Insights from Industry Leaders!

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Dave Oswald
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Dave Oswald

Dave Oswald is the founder of Forensic Restitution. 

Most Recent

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Business Interruption Is Underinsured
By
Dave Oswald

Underinsurance remains stubbornly prevalent despite decade-long awareness, leaving policyholders exposed to significant financial losses.

All Articles

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Salvage Fraud: The Overlooked Risk
By
Dave Oswald

Salvage fraud quietly drains value as employees misappropriate damaged goods meant for disposal.

Six Things

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Insurers' Top Priorities in 2025
By Paul Carroll

The International Insurance Society's annual global survey finds that AI is insurance leaders' top priority. The results are encouraging.

Why ‘Settle at All Costs’ Is a Bad Idea

Fear of nuclear verdicts stops some carriers from pursuing winnable cases.  Here’s how to strike the right balance.

1
What If FEMA Is Eliminated?

Home insurers must adapt as Trump administration plans reshape FEMA's role in disaster coverage.

2
AI Drives Insurance Industry Transformation

Insurance carriers trapped between legacy systems and customer expectations find AI bridges operational gaps across core functions.

3
Insurance at a Crossroads

Insurance companies confront mounting litigation, shrinking capacity and regulatory pressures demanding faster, smarter decision-making.

4
The Soft Market Trap in Cyber

Cyber insurance's declining rates and expanding coverage conceal unsustainable market fundamentals, signaling an inevitable correction.

5
Farmers Breach Reveals New Security Paradigm

Farmers Insurance's 1.1 million-person breach shows why insurers must abandon prevention-focused security and implement rapid detection strategies.

6

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