Underwriting
Using Aerial Imagery in Insurance and Related AI: Emerging Regulatory Themes
As more insurers integrate aerial imagery into underwriting, rating and claims workflows, state insurance departments are responding with a growing body of guidance. ...
Getting to the How and Why: AI Shows Its Work
For years, the most pressing questions surrounding artificial intelligence solutions for insurance underwriting concerned accuracy. In a sector where margins are thin and ...
P/C Statutory Results: The Highs and The Lows
A new report from S&P Global Market Intelligence is filled with information about record line-of-business loss ratios achieved in 2025—with some property/casualty lines coming in at record ...
State Farm’s California Homeowners Rate Request: It’s Settled — Almost
The long back-and-forth struggle between State Farm General Insurance Company, the California Department of Insurance and Consumer Watchdog is winding down, with the parties agreeing that an ...
What Berkshire’s CEO Abel Said About Insurance
Berkshire Hathaway's chief executive had the unusual task of reporting lower 2025 underwriting and investment income for GEICO and other insurance and reinsurance operations in his first report to ...
State Farm Inked $1.5B Underwriting Profit for 2025; HO Loss Persists
State Farm reported an underwriting gain of $1.5 billion for its property/casualty businesses in 2025, representing a turnaround from an underwriting loss of more than $6 billion in 2024—and more ...
Commercial P/C Market Softest Since 2017, Says CIAB
Commercial property/casualty premiums across all account sizes in the fourth quarter of 2025 were the softest they have been since 2017, according to The Council of Insurance Agents & Brokers ...
AI Needs Its Own Risk Class: Lockton Re
The rapid adoption of artificial intelligence by organizations across all industries is changing the commercial risk landscape; it's time to consider making AI its own ...
Machine Learning for Mutuals: What’s Working, What’s Not, and What’s Next
Recently, I spoke with a chief product officer at a large excess and surplus (E&S) company, and he shared his vision for streamlining intake in this way: ...