Coverage for gradual pollution under defined periods of time better aligns with how pollution losses occur in the real world.

As complex and emerging risks test traditional insurance markets, Bermuda continues to give risk managers access to the capacity, expertise and flexible solutions they need.

Now is a great time for brokers to update their workers’ compensation playbook.

When A.I. works quietly in the background, claims professionals can spend less time managing information and more time improving claim outcomes.

This is the fifth and final in a series of articles exposing what is driving the excessive recovery times and the high cost of workplace injuries. At 75, I don’t really consider myself naive. But I have to say, when it comes to navigating the business dynamics of the workers’ compensation industry, I was completely… View Article

More organizations are recognizing that forming a captive gives them better control over how they finance and manage risk, and the ability to move quickly when exposures shift.

This is the fourth in a series of articles exposing what is driving the excessive recovery times and the high cost of workplace injuries. Litigation is a difficult subject in every possible setting. By definition, litigation carries with it conflict; the process of resolving rights-based disputes through the court system. The “grand bargain” was struck… View Article

AI is a force multiplier, and the outcome of any multiplier depends on what it is applied to.

Brokerages that build traceability into their operations as a standard practice will be better positioned as those expectations grow.

This is the third in a series of articles exposing what is driving the excessive recovery times and the high cost of workplace injuries. If you knew with certainty that any injured worker who does not return to work within 90 days will likely never return to work – would it change the way you… View Article

The period immediately following a BOR transition is when the risk is most addressable and the conditions for addressing it are least favorable.

Cargo theft risk starts before goods move an inch. Claims experience shows what has happened; an ecosystem map reveals what could.

Health care organizations are turning to innovative staffing models, technology and employee support strategies to address persistent workforce shortages and strengthen operational resilience.

Acquisitions are a growth strategy. The operational work that follows is a risk management one.

As workers’ compensation claims grow more complex, today’s claims professionals are evolving into strategic coordinators who combine technology, clinical expertise, and collaboration to improve outcomes for injured workers and employers alike.

This is the second in a series of articles exposing what is driving the excessive recovery times and the high cost of workplace injuries. AI is top of mind for just about everyone under the age of 90. I was curious to see if Claude had any research-based, data driven understanding of why it takes… View Article

This is the first in a series of articles exposing what is driving the excessive recovery times and the high cost of workplace injuries. Workplace injuries take twice as long to heal as non-workplace injuries. That is a researched established fact. Moreover, it is the single most important fact and key to understanding how to… View Article

Insurance products are being drafted to address AI risk. Expect exclusions to come along with them.

Why the future of insurance will be built on resilience, not reaction.

Third-party medical financing is reshaping liability claims by inflating medical costs, increasing settlement pressure and driving higher insurance expenses.