There are two accounts of the American insurance workforce circulating at the moment, and they cannot both be true. In the first, delivered to trade press and industry pollsters, carriers are holding steady, hiring selectively, and adopting artificial intelligence to… Continue Reading →
The Greatest Threat the Independent Agency Has Ever Faced: AI disintermediation estimates are almost certainly too low, and underestimated commission losses, carrier self-interest, and the speed of large language model deployment are conspiring to imperil the independent agency model of… Continue Reading →
Insurance Is Relationship Business: Why AI Will Never Replace the Handshake That Binds a Tough Risk. My reflections on thirty years plus of insurance practice. After three decades of writing surety bonds, placing hard risks, and watching markets harden, soften,… Continue Reading →
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