Joel Baker

Joel Baker founded MSA Research, the analytical research and financial publishing firm entrusted to provide independent, accurate research and analysis to all those who have a stake in the Canadian insurance industry.

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Gradually and Then Suddenly...

Joel Baker

Learning from how a Hemingway character went bankrupt, Canada is becoming a regulatory innovation hub for the global insurtech community.

Six Things

7 Common Mistakes on Innovation

By Paul Carroll

As generative AI throws many innovation efforts into high gear, here are seven ways that such initiatives have failed in the past.

A Resurgence in Credit Card Fraud

After years of decline, the number of compromised credit cards sold is on pace to exceed 34 million this year, a major reversal.

Mapping the Intensifying Flood Threat

As climate change transforms destructive floods into a primary peril, insurers and companies with valuable assets in harm's way need better tools. 

Unlocking Opportunity in the Surety Market

Increased surety usage is anticipated in real estate, renewable energy and healthcare in 2024, as it moves beyond construction.

Re-Imagining the Actuary in the Gen AI Era

AI will help automate repetitive tasks, improve accuracy, increase efficiency and enable actuaries to function as business strategists.

D&O Insurance Pricing May Be Inadequate

After aggressive increases helped firms recover from a decade of woeful rates, premiums are declining. The shift may be too much too soon. 

Cloud, On-Premise or Hybrid?

Selecting the right deployment model for insurance management software is crucial for optimizing operations, ensuring data security and maintaining resilience. 

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