If I Only Had a Brain …

Often, I feel like the Scarecrow from the Wizard of Oz when he said several times “if I only had a brain” particularly concerning the shape and nature of the P&C insurance industry in the next five or 10 years. There seems to be no end to the many prognostications that incumbent carriers are in… Continue reading If I Only Had a Brain …

Business Models, Moats, & Start-ups: An Insurance Analyst Perspective

There is, of course, one glaring difference between the products and services of the insurance industry and either of the other two companies: insurance is NOT a commodity. This remains true regardless of the insurance line of business we are discussing. That reality comes into play when thinking about and discussing all three entities: insurers,… Continue reading Business Models, Moats, & Start-ups: An Insurance Analyst Perspective

My advice to insurance startups

Any person starting an insurance firm, whether an insurance broker or insurance carrier needs to keep in mind that: No insurance line of business is a commodity.Every insurance line of business is regulated. In the US, insurance firms must comply with each of the regulations in each jurisdiction the insurance firm intends to conduct business.Regulators… Continue reading My advice to insurance startups