Scott Ham

Scott Ham is the CEO of Pinpoint, an insurtech company helping carriers make fairer, more accurate underwriting and pricing decisions through data-driven insights.

He has held executive leadership roles at large insurance carriers and advised financial services organizations at McKinsey.

Most Recent

P&C Insurers Shift to Precision Underwriting

Scott Ham

Softening pricing and returning competition force carriers to replace broad underwriting discipline with surgical precision.

Six Things

Is the 53-Year Oil Crisis Over?

By Paul Carroll

Even as negotiations on Iran remain muddled, the war shows the world has become resilient to oil shocks. The implications could be profound.

The AI Measurement Gap Nobody Talks About

The most dangerous AI failures occur when institutions trust systems completely while they quietly produce wrong outcomes.

Insurance's FNOL Blind Spot Costs Billions

First Notice of Loss has evolved into insurance's most fraught moment for fraud, yet carriers treat it merely as administrative intake.

The Key Question Insurance RFPs Miss

Carriers focus requests for proposals (RFPs) on technical capabilities but fail to understand whether a technology vendor will be a good partner.

Insurers Use AI to Combat Rising Fraud

Insurers are deploying AI to combat increasingly sophisticated fraud schemes, but detection still hinges on fundamental prevention and deterrence strategies.

How Agents Can Maximize Their Tech Stack

Independent agencies' biggest challenge isn't choosing or installing technology—it's getting the most from tools they already have.

Quantum Computing for Insurance Still Years Away

Quantum computing holds promise for complex financial modeling, but current technology is limited by noise and qubit count.

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