Personal Lines

In the face of ever-increasing premiums, auto owners are foregoing coverage, taking higher deductibles and not filing claims. This marks a profound change. 

By combining historical aerial imagery, property condition data, and AI, insurers can optimize underwriting, inspections, and fraud reduction.

Embedded insurance promises to disrupt insurance distribution as well as product and help close the “protection gap”--the 50% of all economic losses not covered by insurance.

Personalization must become built in, not something we try to build on top. It must be hard-coded into our systems and business.

How can we widen coverage and ensure more Americans enter retirement with the financial protection they need?

The NCAA is now mandating that schools give their athletes medical coverage that will extend two years after the athlete completes their eligibility.

While climate discussions often focus on the indirect effects of rising temperatures, such as intensifying hurricanes and wildfires, some innovators think we can write insurance covering the direct effects on people and property. 

ITL Editor-in-Chief Paul Carroll talks with Jordan Clark, a senior policy associate at Duke University, about his research into how the industry might insure against heat.