Thought Leadership


Insights on emerging trends, current events, career development, and more

Risk & Insurance

Risk & Insurance® covers the people, stories and risks that embody the essential functions of risk management and commercial insurance. We strive to identify emerging risks and mitigation strategies, while covering the fascinating people who drive the industry forward.

A recent survey by the American Property Casualty Insurance Association (APCIA) and Munich Reinsurance America, Inc. (Munich Re US) reveals that most Americans are unaware of the negative impacts of certain plaintiff lawyer tactics on their household costs.

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Middle market companies in the U.S. have set financial growth records in 2023, despite concerns over inflation, cybersecurity threats, natural catastrophes, and insurance coverage gaps, according to a new report by Chubb and the National Center for the Middle Market (NCMM).

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A recent study by the California Workers’ Compensation Institute (CWCI) reveals that almost half of all litigated worker injury claims in the Los Angeles Basin are cumulative trauma (CT) claims, which involve injuries that arise over time from repetitive stress, motion, or exposures, rather than

16 hours ago

From April 2 to 4, experts in claims and litigation management will gather in San Francisco for the 2024 CLM Annual Conference to discuss the latest trends in the space and share their insights.

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Risk and insurance designations help professionals demonstrate mastery of relevant skills and validate to employers that they have those skills. According to Adam Carmichael, CPCU, president of The Institutes Knowledge Group and Ethics Counsel, there are two

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Stan Lee first penned “With great power comes great responsibility” in a 1962 Spider-Man comic. And while Lee was likely using it in the literary sense of superheroes and supervillains, there’s a lesson of truth to these words for our real-world heroes.

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In February, Dan Reynolds, the editor-in-chief of Risk & Insurance, caught up with Michael Berger, the Palo Alto-based head of Insure AI at Munich Re. The topic of the conversation was the risks presented by generative AI and how underwriters are approaching that risk.

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As she wandered through the aisles in the expo hall at last year’s

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Technology has driven change throughout history, from Ford’s Model T to Musk’s Model S. And progress often follows innovation as new ideas emerge and new opportunities are realized.

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The insurance mergers and acquisitions (M&A) landscape, which experienced a lull in 2023, is poised for a resurgence in 2024, with an influx of private equity and other investments expected to stimulate activity, according to a report by Deloitte.

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Insurance Thought Leadership

Insurance Thought Leadership is a global network of thought leaders and decision makers transforming the insurance and risk management marketplace through knowledge sharing, big ideas, innovative technology, and real-life applications.

Startling improvement in Q3 and Q4 suggests reasons for optimism, perhaps for many years.  

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Insurers are funneling $100 billion annually through their litigation departments--and the extent of litigation challenges has yet to fully manifest.

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ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance.

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In this month's ITL Focus, Paul Carroll interviews Jess Keeney, Duck Creek's Chief Product & Technology Officer, exploring the game-changing role of generative AI in underwriting and its implications for insurance technology and customer engagement.

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With drivers concerned about rising premiums, there is a prime opportunity to win them over to telematics.

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It may require a 50X increase in processing workloads, which means P&C insurers need a modern, cloud-

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The hard market/soft market cycle has reigned for decades, but COVID shocks and a host of new technologies may be ending it. 

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Tony Kuczinski, an insurtech pioneer at Munich Re, explains what went wrong in the early days – and what is now going right.

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Navigating these challenges requires strategic foresight, technological agility and a commitment to meet evolving customer needs.

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The expected transition from an El Niño to a La Niña weather pattern sets up a potentially horrible Atlantic hurricane season. 

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The CLM is dedicated to meeting the professional development needs of the claims and litigation management profession. CLM Magazine delivers news and thought-leadership content.

Two recent New York Appellate Division decisions relevant to insurance broker errors and omissions

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U.S. Supreme Court to decide whether courts must stay or dismiss lawsuits where arbitration is compelled

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CLM’s CEO shares her thoughts on being a woman in the industry and the changes she has seen over the decades

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State Supreme Court rules tracking medical costs within geographic area does not violate statutes

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Podcast discusses top tech trends for insurance in 2024

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Report shows increases across most lines; workers’ comp sees rate decrease

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NAIC also lists climate risk and financial inclusion among its 2024 priorities

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Illinois Supreme Court found clerk's rejection of notice of appeal rendered appeal untimely

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Deal made at coffee shop raises question of what constitutes a valid contract

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Defining the Exclusive Remedy Rule

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The Insurance Information Institute is the trusted source of unique, data-driven insights on insurance to inform and empower consumers. Triple-I serves consumers, media, and professionals seeking insurance information.

Griffith Foundation

The Institutes Griffith Foundation Welcomes New Advisory Council Members, Beth Murphy and Ken Cooley

The Institutes Griffith Foundation is pleased to announce the two newest members of the Advisory Council, Beth W. Murphy and Ken Cooley. Both Murphy and Cooley will help to advance Griffith’s mission to provide non-partisan, non-advocative education to public policy members.   

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In this video with AM Best TV, The Institutes President and CEO Pete Miller discusses the sectors of insurance currently impacted most by AI, and how technology is advancing the predict and prevent model to reduce risk. Watch the full video

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The Institutes President and CEO Pete Miller, along with Executive Vice President and Head of Business Units Kate Horowitz, share insights on AI as a tool that can transform roles in insurance and be leveraged to accelerate the shift from detect and repair to predict and prevent. Watch the full video.

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The Institutes President and CEO Pete Miller explains how the insurance sector is changing rapidly. From technology to policies, learn how traditional risk transfer tools are no longer sufficient to cover losses. Read the full article.

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In this interview, The Institutes President and CEO Pete Miller shares research done by the International Insurance Society (IIS), an affiliate of The Institutes, giving insights on the future of the insurance talent landscape. Watch the full video

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The Institutes President and CEO Pete Miller and Executive Vice President and Head of Business Units Kate Horowitz share thoughts on the potential impact of AI within the insurance landscape, and the need to develop new skills to leverage technology. Access the full issue. 

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The Institutes CPCU Society Expands with Global Virtual Community and Equitable Membership Rates in Developing Nations

Advancing its commitment to global inclusivity and accessibility for risk and insurance professionals, The Institutes CPCU Society has unveiled new tiered membership rates. This innovative approach, which is based on the World Bank’s classification of national economies, promises to offer a more equitable membership rate system tailored to each country's economic standing.


The Institutes Now Affiliated With the Insurance Accounting and Systems Association (IASA)

IASA will expand The Institutes’ ability to educate, elevate and connect those interested in risk management and insurance, with a specific focus on insurance accounting and finance.

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CEO Viewpoint: It’s No Longer Enough to Just Insure

Pete Miller explores the importance of predicting and preventing losses for organizations and consumers. Find out why traditional models are not sufficient to cover many risks. Read the full article. 

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The Institutes' Miller: The Best Risks Are the Ones Insurers Help Customers Avoid

This recent discussion between Pete Miller and John Weber covers the reason behind a shift to more pre-loss strategies, specifically those involving risk mitigation and risk control. Watch the interview with A.M. Best TV's John Weber. 

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"Risk management is shifting" – The Institutes CEO

Pete Miller spoke with Insurance Business about how insurance companies can pinpoint avoidable losses and minimize claims by embracing innovative tools, including AI. Read the full article on Insurance Business.

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Top Insurance Brokerages in the USA | Fast Brokerages Report

In this breakdown of brokerages, Pete Miller outlines some key characteristics that set the top-performers apart. Read the full report. 

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For Carriers, Trust in the Balance as Return-to-Office Heats Up

The insurance industry is changing. In this article, Eva Thomas identifies some aspects that are contributing to this evolution of business. Pete Miller shares his thoughts.  Read the entire article on P&C Specialist. 

IIS logo

In History-Making Moment, Dr. Chang-Jae Shin Of Kyobo Life Joins Father In Insurance Hall Of Fame

New York, New York – March 21, 2023: The International Insurance Society (IIS) has named Chang-Jae Shin, MD, the trailblazing chairman and CEO of the Korea-based Kyobo Life Insurance Company, the 2023 Insurance Hall of Fame Laureate. Dr. Shin is the first legacy inductee in the 66-year history of the award. His father Yong Ho Shin, the founder of Kyobo Life, is the 1996 Laureate. Dr. Shin will be formally honored at the Global Insurance Forum gala on Nov. 6, 2023. The gala, along with the Global Insurance Forum, will be held at the Hilton Singapore Orchard. The Forum runs from Nov. 5-7. 

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With Pandemic Concerns Fading, Insurance Executives Cite Geopolitical And Economic Issues In Annual IIS Survey

The 2023 Global Priorities Survey conducted by the International Insurance Society (IIS) indicates executives are moving on from pandemic recovery and directing focus to geopolitical and economic issues.

Griffith Foundation

The Institutes Griffith Foundation Welcomes New Advisory Council Members, Charles Chamness and Jillian Froment

The Institutes Griffith Foundation is pleased to announce the two newest members of the Advisory Council, Charles M. Chamness and Jillian Froment, J.D. Both Chamness and Froment will help to advance Griffith’s mission to provide non-advocative, non-partisan education to public policy members.   

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Cincinnati Insurance, Nationwide and Securian Financial Receive The Institutes RiskStream Collaborative 2022 Collaborator Award

The Cincinnati Insurance Companies, Nationwide, and Securian Financial are the recipients of The Institutes RiskStream Collaborative™ 2022 Collaborator award. The three recipients supported RiskStream’s Life & Annuities sector’s project on educational verification for product sales.

The Institutes Agent & Broker Group

Beyond Insurance Partners with The Institutes Agent & Broker Group on a Customized Learning Path Tool

Beyond Insurance collaborates with The Institutes Agent & Broker Group to create a unique, guided learning path tool for Beyond Insurance Global Network (BIGN) members that facilitates continued education, training, and development. The partnership provides the BIGN leaders and all levels of agency staff members with an effective, customized learning survey designed to improve recruitment, enhance the professional development experience, and improve talent retention.

CPCU Society logo

CPCU Society Leadership Council Announces 2023 Officers and Members

The Institutes CPCU Society has announced its new Leadership Council officers and members for 2023. Among them are the 2023 President and Chair, Brett Clausen, CPCU, CIC, FMLI, LSSMBB, MSIM, succeeding Christopher J. Hampshire, CPCU, CIC, ARM, on Jan. 1, 2023. 

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CPCU Society Offers Free Membership to College Students and Awards $125,000 in Scholarships

The Institutes CPCU® Society expands support for students by offering complimentary membership to all full-time undergraduates regardless of major or risk management affiliation and is pleased to announce the fall 2022 NextGen Scholarship recipients.

The Institutes Agent & Broker Group

HUB International Limited Selects The Institutes Agent & Broker Group As Education Partner

HUB International Limited has selected The Institutes Agent & Broker Group as its primary partner for continuing education, development, and learning resources. This strategic partnership provides HUB International employees with full access to unsurpassed knowledge and continuing education opportunities available from The Institutes and their affiliate CEU to advance employees’ skillsets and stay ahead of the evolving risk landscape.

The Institutes Agent & Broker Group

Hunter Fausnacht Promoted to President of the The Institutes Agent & Broker Group

Hunter Fausnacht has been promoted to President of The Institutes Agent & Broker Group. Fauschnact, formerly Vice President of the Agent & Broker Group, has been integral in the formation and success of this business unit designed to support the educational needs of the agent and broker market.

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The Institutes’ Board of Trustees Appoints
New Members

The Institutes have appointed five new members to its Board of Trustees, including J. Powell Brown, MBA, CPCU, Carl Hess, FSA, CERA; John J. Marchioni,  CPCU; and Leonid Rasin, MA, FCAS and Thomas M. Troy, CPCU, The new members terms were effective as of June 15.

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Majority of U.S. Agrees Attorney Ads Increase Number of Lawsuits, IRC Survey Finds

Most Americans believe attorney advertising increases the number of liability claims and lawsuits and more than half link these ads to higher insurance costs. Awareness of litigation financing has also increased, but many Americans remain unsure what to think of the practice, according to a new survey by the Insurance Research Council (IRC), a division of The Institutes. 

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The Institutes’ Board of Trustees Appoints Risk Management and Insurance Leaders as New Chair and Vice Chair

The Institutes have appointed John Howard, chairman and chief executive officer (CEO) of Truist Insurance Holdings, Inc., and W. Robert Berkley Jr., president and CEO of W. R. Berkley Corporation, as chair and vice chair, respectively, of the organization’s Board of Trustees.

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New Industry Initiative Launches to Advance Racial Diversity and Equity Black Insurance Industry Collective to expand leadership development for Black professionals

The Black Insurance Industry Collective (BIIC), a newly-formed non-profit organization affiliated with The Institutes, today announced its launch. The BIIC is focused on accelerating the advancement of Black insurance professionals.

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RiskStream Collaborative® First Notice of Loss Product, Rapid X, Now Available

Guidewire (NYSE: GWRE) and The Institutes RiskStream Collaborative® announced that RiskStream’s new Ready for Guidewire validated accelerator for ClaimCenter is now available in the Guidewire Marketplace. Guidewire users can use RiskStream’s Rapid X blockchain application to exchange loss information with other insurers more quickly and accurately.

Insurance Information Institute logo

Triple-I and HBCU Impact® Partner to Recruit Black Talent Nationwide

The Insurance Information Institute (Triple-I) and the HBCU I.M.P.A.C.T. Initiative, Inc.® (IMPACT) announced a partnership and a career-building campaign aimed at recruiting students at historically Black colleges and universities (HBCUs) to the insurance industry.

CPCU Society logo

Society Launches Facilitated Study Groups for CPCU Students

Professionals working towards earning their CPCU designation can now have the added support of Facilitated Study Groups offered by the CPCU Society.

CLM logo

Vic Marmo Named 2022 CLM Lifetime Achievement Award Winner

Vic Marmo, ARM, CLMP, Assistant Vice President, Risk Management-Claims, Marriott Vacations Worldwide Corporation, announced as recipient of the 2022 CLM Lifetime Achievement Award.

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Triple-I Report Finds Insurers Are Managing Economic Volatility

U.S. insurers are seeing premium and investment income growth in 2021, favorable trends offset by increases in inflation and the combined ratio, according to a new report from the Insurance Information Institute (Triple-I).

Griffith Foundation

Griffith Foundation Presents Charles Chamness With 2021 Lifetime Achievement Award

Charles Chamness, retired president and chief executive officer of the National Association of Mutual Insurance Companies, was presented with The Institutes Griffith Insurance Education Foundation’s 2021 Lifetime Achievement Award during a ceremony at the NAMIC Annual Convention.

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Catastrophe Resiliency Council (CRC) Announces New President

Christopher G. McDaniel, president of The Institutes RiskStream Collaborative, has been tapped to lead The Institutes' newest consortium, the Catastrophe Resiliency Council (CRC).

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The Institutes RiskStream Collaborative™ Announces 2021 Award Winners

The Institutes RiskStream Collaborative™ announced its 2021 Leadership, Collaborator, and Innovator awards, which were were presented to Auto Club Enterprises, CSAA Insurance Group, Nationwide, Securian Financial, and Liberty Mutual.

CLM logo

CLM Appoints Ronna Ruppelt as New Chief Executive Officer

The Claims and Litigation Management Alliance (CLM), which is affiliated with The Institutes Risk & Insurance Knowledge Group, is pleased to announce the appointment of Ronna Ruppelt as the new Chief Executive Officer.

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Insurance Information Institute and The Institutes Risk & Insurance Knowledge Group Finalize Affiliation

The Institutes Risk & Insurance Knowledge Group announced plans to finalize its affiliation with the Insurance Information Institute (Triple-I) on November 16, 2020. Triple-I is a long-standing, trusted source of unique, data-driven research and insights on insurance.


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Marita Zuraitis and John Howard Appointed Chair and Vice Chair of The Institutes Risk & Insurance Knowledge Group

The Institutes Risk & Insurance Knowledge Group has appointed Marita Zuraitis, chief executive officer of The Horace Mann Companies, and John Howard, chairman and CEO of Truist Insurance Holdings, Inc., as chair and vice chair, respectively, of the organization’s Board of Trustees.