The limitations of territory-based rating can become a thing of the past because of increased access to location-specific data and risk scores.
Tammy Nichols Schwartz
Tammy Nichols Schwartz, CPCU, is the senior director of data and analytics at Guidewire, a leading provider of technology solutions to the P&C insurance industry.
She has more than 20 years of experience as an actuary, underwriter and executive at leading insurance carriers and financial institutions, including Farmers Insurance and Bank of America. Prior to Guidewire, Schwartz was the founder and CEO of Black Swan Analytics.