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Curators' Corner: Alan Demers and Stephen Applebaum

Curator’s Corner

A selection of our most popular recent thought leadership articles:

OPEN LETTER TO ILLINOIS SECRETARY OF STATE & THE AUTO INSURANCE INDUSTRY AT LARGE

The precise setting of auto insurance premiums has long been an elusive challenge for insurance carriers and problematic for consumers and regulators alike. In the absence of a better method, ratemaking continues to be part art, part science establishing price for the cost of product only to be accurately determined in the future. While the industry strives for fairness and accuracy it is generally accepted as inexact.


INSURANCE ECOSYSTEM: NAVIGATING A NEW AND UNFAMILIAR WORLD

Partnerships, collaboration, and trust matter now more than ever


REAR VIEW MIRROR REVEALS DIRECTION OF THE P&C ECOSYSTEM

It’s been a wild and bewildering few years in our industry and almost everything seems to be in flux as leaders are seeking some reliable sense of what to expect so they can strategize and plan effectively. Three consecutive years of rate increases have taken a toll on consumers and businesses but has achieved the desired goal of profitability. At least for now as insured losses from catastrophe events across the globe in the first half of 2025 increased to almost $100 billion, which marks the second highest recorded after 2011’s, $140 billion according to an AON report. These figures are up from $71 billion in H1 2024 and are threatening, especially as hurricane season has yet to peak.

Alan Demers

Canada