Personal Lines

Most property risk models rely heavily on ZIP code. Yet, technology and data exist today to evaluate more than 1,000 risk data points for every single property in the U.S.

"The Robinsons." who bundle home and car insurance, represent the crown jewel in customer lifetime value. But the segment is very much at risk.

Wellness-as-a-service models can produce great outcomes by closely integrating physical and financial wellness programs. 

Shifting distribution tactics, focusing on more personalized coverage, designing new products and partnering across industry lines can all narrow the gap. 

From tuition insurance to life, health, auto or renter’s insurance, parents and their students should get ready for the risks a school year has in store. 

New research shows how COVID has moved insurance from seeing change on the horizon to feeling the impact of customer change in the decision-making process.

Fraud exceeds $300 billion a year in the U.S., nearly four times the previous official estimate, in 1995, partly because the internet allows new forms of cheating. 

During the last five years, 89 weather and climate disasters in the U.S. caused $788 billion in damage. In 2022, nine events have exceeded $1 billion in losses.