State unfair claims settlement acts require reasonable investigation before denial. Regulators and courts are testing whether AI algorithms satisfy that standard as STP rates approach 70%.
Anthropic and OpenAI keynote Insurtech Insights 2026 alongside carrier CIOs. Analysis of the shift from consulting-intermediated to direct lab-to-carrier AI procurement and its vendor margin impact.
By Shruti · 14 min
Seven states covering 22% of U.S. tort volume now require TPLF disclosure. The actuarial case for segmenting funded vs. unfunded severity development before the baseline window closes.
By Sarah · 11 min
NCCI data shows employment growth surging to 76,000 jobs per month while WC frequency decline slows to 2%. How the new-worker effect threatens a decade of loss cost reductions.
By Sarah · 8 min
Four severity drivers hit P&C claims simultaneously in 2026: tariffs, social inflation, ADAS repair complexity, and construction costs. Additive trend models understate the compounding effect.
By Sarah · 14 min
Guidewire, Duck Creek, and Verisk launched competing AI products within six weeks. Comparing architectures, monetization models, and lock-in dynamics across P&C's embedded AI race.
By Shruti · 13 min
RenaissanceRe CUO David Marra raised the 2026 reinsurance demand forecast 50% to $15B as property cat rates fell 15-20%. Analysis of the structural paradox in mid-year renewals.
By Sarah · 14 min
CMS V28 risk adjustment model goes full-weight in PY 2026, cutting valid ICD-10 codes from 9,797 to 7,770 and projecting 3.12% average risk score compression. Plan bid strategy and $11B Trust Fund impact.
By Beth · 14 min
“Anthropic and OpenAI keynote Insurtech Insights 2026 alongside carrier CIOs. Analysis of the shift from consulting-intermediated to direct lab-to-carrier AI procurement and its vendor margin impact.— Shruti, in today's edition
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