Personal Lines

Insurers face a $171 billion global catastrophe benchmark as modeling advances reveal risks far beyond what recent loss experience suggests.

Digital evidence from dashcams, drones and vehicle data recorders now complements physical crash analysis in modern accident reconstruction.

Insurance technology has advanced rapidly, but the critical moment when shopping intent becomes an organized, actionable request remains underdeveloped.

The insurance industry has always had a trust problem. What is new is the intensity — and the number of forces converging to make it harder to ignore.

Pluvial flooding (when intense rainfall overwhelms drainage capacity) can happen almost anywhere and has become the fastest-increasing driver of risk. 

Hyperlocal weather intelligence is helping insurers respond faster, improve claims accuracy, and better serve policyholders in an era of increasingly severe storms.

Spokane's devastating suburban wildfires reveal why insurers nationwide must separately assess conflagration risk from traditional wildfire exposure.

Assets are clustering in disaster-prone regions, forcing carriers to reassess coverage and pricing strategies.