Dave Oswald

Dave Oswald is the founder of Forensic Restitution.

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Cafe owner holding "Welcome we are open" sign

Business Interruption Is Underinsured

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

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Salvage Fraud: The Overlooked Risk

Dave Oswald

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

Six Things

A Scandal the Insurance Industry Must Sidestep

By Paul Carroll

The illegal use of cameras that read license plates is a scandal that won't go away any time soon — and could smear insurance, if we aren't careful.

The Private Equity Revolution in Insurance

Private equity is systematically acquiring the unregulated, fee-generating operations around insurance carriers, with broad implications.

AI Risk Is Rising Fast

AI has surged to the second-biggest perceived business risk globally, yet actual insurance losses remain surprisingly low—for now.

Are AI Systems Capturing Insurers' IP?

Insurers risk inadvertently transferring proprietary expertise to AI systems through everyday use, creating a vulnerability beyond traditional cybersecurity concerns.

AI's New Role in Prior Authorizations

Prior authorization’s new reality: AI does the evidence work, a clinician owns the call, especially for denials.

Agency Growth Numbers May Be Misleading You

Revenue growth masks a retention crisis costing agencies millions in enterprise value and leaving half their book vulnerable to churn.

Side Underride Guards on Trucks Prevent Deaths

Side underride crashes kill 300 annually, yet the trucking industry still resists guards that juries now value in multimillion-dollar verdicts.

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