Podcasts about insurers

Elon Musk is leaving the Trump administration. Why now, and what's next for the Texas-based billionaire. A bill that aims to plug the state's abandoned oil and gas wells – sometimes called “orphaned wells” – is headed to Gov. Greg Abbott's desk. Insurers in Texas are partnering with aerial imaging and AI companies to assess […] The post Oil companies face new deadlines to plug orphaned wells appeared first on KUT & KUTX Studios -- Podcasts.

As Republicans consider major changes to Medicaid and Obamacare, we asked a leading economist about the shockwaves these sharp policy shifts could send throughout the entire health care system.Guests:Jonathan Gruber, Ford Professor of Economics, MITLearn more and read a full transcript on our website.Want more Tradeoffs? Sign up for our free weekly newsletter featuring the latest health policy research and news.Support this type of journalism today, with a gift. Hosted on Acast. See acast.com/privacy for more information.

We talk about Pope Le(t)o's striking critiques of AI and the needs for luddism to be an intersectional movement. Then we get into the Republicans' advocacy for AI rights over States' rights, which contributes to a greater hollowing out of government capacity at all levels in an attempt to usher in the great fracturing of society into zones of special economic interest. Finally we sketch a vision of a bold future of post-apartheid integration sparked by Grok's obsession with white genocide. ••• Will Pope Leo XIV be an ally against AI? https://www.disconnect.blog/p/will-pope-leo-xiv-be-an-ally-against ••• The Franciscan monk helping the Vatican take on — and tame — AI https://www.ft.com/content/1fa17d8b-5902-4aff-a69d-419b96722c83 ••• Republicans propose prohibiting US states from regulating AI for 10 years https://www.theguardian.com/us-news/2025/may/14/republican-budget-bill-ai-laws ••• Republicans Try to Cram Ban on AI Regulation Into Budget Reconciliation Bill https://www.404media.co/republicans-try-to-cram-ban-on-ai-regulation-into-budget-reconciliation-bill/ ••• AI agents: from co-pilot to autopilot https://www.ft.com/content/3e862e23-6e2c-4670-a68c-e204379fe01f ••• Insurers launch cover for losses caused by AI chatbot errors https://www.ft.com/content/1d35759f-f2a9-46c4-904b-4a78ccc027df Standing Plugs: ••• Order Jathan's new book: https://www.ucpress.edu/book/9780520398078/the-mechanic-and-the-luddite ••• Subscribe to Ed's substack: https://substack.com/@thetechbubble ••• Subscribe to TMK on patreon for premium episodes: https://www.patreon.com/thismachinekills Hosted by Jathan Sadowski (bsky.app/profile/jathansadowski.com) and Edward Ongweso Jr. (www.x.com/bigblackjacobin). Production / Music by Jereme Brown (bsky.app/profile/jebr.bsky.social)

Mark Popolizio, vice president of Medicare Secondary Payer compliance at Verisk, discusses key 2025 CMS policy updates, new reporting requirements and strategies insurers can use to stay compliant, reduce costs and mitigate liability under the evolving MSP framework.

The Friday Five for May 16th, 2025: Dunkin' and Starbucks Summer 2025 Menus Viral Music Charts for Content Creation Potential Heart Benefit in Shingles Vaccine Possible Hints at ACA Subsidy Direction for 2026 AHIP 2026 Certification Dates   Dunkin' and Starbucks Summer 2025 Menus: “Dunkin' Summer Menu.” Dunkindonuts.Com, Dunkin', www.dunkindonuts.com/en/summer-menu. Accessed 13 May 2025. Fink, Bailey. “Starbucks Is Bringing Back Customers' ‘Favorite Drink Ever' This Summer.” Allrecipes.Com, Allrecipes, 17 Apr. 2025, www.allrecipes.com/starbucks-summer-menu-2025-11717043. Baker, Nicolette. “Starbucks' Summer Menu Just Dropped — Including a Brand-New Iced Beverage.” Foodandwine.Com, Food & Wine, 15 Apr. 2025, www.foodandwine.com/starbucks-summer-menu-2025-11715175.   Viral Music Charts for Content Creation: “100 Top Trending Songs on TikTok.” Tokchart.Com, Tokchart, tokchart.com/. Accessed 14 May 2025. Bowe, Tucker. “Apple Quietly Gave Your Iphone a Simple yet Fun New Feature.” Gearpatrol.Com, Gear Patrol, 12 May 2025, www.gearpatrol.com/tech/apple-music-shazam-viral-chart/.   “Shazam Viral Global Chart .” Shazam.Com, Shazam, www.shazam.com/charts/viral/world. Accessed 14 May 2025. “Spotify Viral 50 - Global.” Spotify.Com, Spotify, open.spotify.com/playlist/37i9dQZEVXbLiRSasKsNU9?si=4zvmJR7bQnajf6_StIGfuw. Accessed 14 May 2025. “Viral Chart on Apple Music.” Music.Apple.Com, Apple Music, music.apple.com/us/playlist/viral-chart/pl.b127c05305ad413fb742e8585599ec84. Accessed 14 May 2025.   Potential Heart Health Benefit in Shingles Vaccine: McLendon, Russell. “Shingles Vaccine Can Reduce Risk of Stroke And Heart Attack, Study Finds.” Sciencealert.Com, ScienceAlert, 12 May 2025, www.sciencealert.com/shingles-vaccine-can-reduce-risk-of-stroke-and-heart-attack-study-finds. Rudy, Melissa. “Shingles Vaccine Has Unexpected Effect on Heart Health.” Foxnews.Com, FOX News Network, 9 May 2025, www.foxnews.com/health/shingles-vaccine-has-unexpected-effect-heart-health. “Shingles Vaccine Lowers the Risk of Heart Disease for up to Eight Years.” Escardio.Org, European Society of Cardiology, 6 May 2025, www.escardio.org/The-ESC/Press-Office/Press-releases/shingles-vaccine-lowers-the-risk-of-heart-disease-for-up-to-eight-years. Griesser, Kameryn. “Shingles Vaccine Reduces Risk of Heart Disease by 23%, Study of One Million People Finds.” Cnn.Com, Cable News Network, 12 May 2025, www.cnn.com/2025/05/09/health/shingles-heart-disease-vaccine-shots-wellness.   Possible Hints at ACA Subsidy Direction for 2026: Tong, Noah. “CMS Hints at Possible Cost-Sharing Reduction Payments for Insurers, Impacting ACA Enrollment.” Fiercehealthcare.Com, Fierce Healthcare, 7 May 2025, www.fiercehealthcare.com/payers/cms-hints-possible-cost-sharing-reduction-payments-insurers-impacting-aca-enrollment. “Explaining Health Care Reform: Questions About Health Insurance Subsidies.” Kff.Org, KFF, 25 Oct. 2024, www.kff.org/affordable-care-act/issue-brief/explaining-health-care-reform-questions-about-health-insurance-subsidies/. “Offering of Off-Exchange-Only Plans without ‘CSR Loading.'” Cms.Gov, Centers for Medicare & Medicaid Services, 2 May 2025, www.cms.gov/files/document/offering-exchange-only-plans-without-csr-loading.pdf. “Plan Year 2026 Individual Market Rate Filing Instructions.” Cms.Gov, Centers for Medicare & Medicaid Services, 2 May 2025, www.cms.gov/files/document/py-26-individual-market-rate-filing-instructions.pdf.   AHIP 2026 Certification Dates: “AHIP Medicare + Fraud, Waste, and Abuse Online Course.” Ahipmedicaretraining.Com, AHIP, www.ahipmedicaretraining.com/page/login. Accessed 13 May 2025.   Resources:   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

At RIMS RISKWORLD Chicago, Andrea Wells, Vice President of Content at Insurance Journal talks with Priscilla Pazmino-Vitela about how insurers are stepping up as true partners—not just policy providers. From traditional … Read More » The post RIMS RISKWORLD 2025: How Insurers Are Partnering With Clients to Navigate Risk in 2025 appeared first on Insurance Journal TV.

The ASX 200 rose 18 points to 8298 (+0.2%) as the banks put in another solid day. CBA is up 1.3% with NAB once again slightly outperforming, ANZ up 1.7% with the Big Bank Basket up to $266.85 (+1.3%). MQG rallied 1.2% with other financials mixed. Insurers better, IAG rose 5.7% after signing a deal with RACWA. Up 5.7%. REITs were once again under pressure as yields continued higher as job numbers came in better than expected. SCG down 1.9% and GMG off 1.0%. Industrials rose, WES up 2.2%, and ALL recovered some of the dips yesterday,y up 1.9%, with WOW and COL slightly better. Tech rallied, and XRO released some good numbers, rising 4.7%. Resources failed to launch again, BHP down 0.7% with RIO off 0.4% and gold miners under siege as bullion falls again. GMD down 3.2% and NEM off 4.0%. Base metal and lithium stocks eased, MIN up 1.9%. Oil and gas slid back, WDS down 1.8%, and uranium mixed again.In corporate news, GNC leaped 8.8% on a positive update, and NWH fell 8.3% after a warning on the Valhalla steelworks sale process. MYX jumped 8.2% after Deloitte reviewed the Cosette $672m deal. TWE fell 5.2% as the CEO stepped down.On the economic front, the labour market showed strength, with a jump of 89k jobs in April, more than the 20k forecast. Asian markets drifted lower, with Japan down 0.9%, HK down 1.0%, and China down 0.7%. Dow futures down 0.5%, NASDAQ futures down 0.2%. Want to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 was up 11 at 8280 (0.1%), with some big movers hurting positive sentiments. ALL had an 8.9% fall on an earnings miss, and MQG slid 1.6% as ASIC looks at short selling reports. CBA reported a better-than-expected number and rose 0.8% with the Big Bank Basket up to $263.99 (+0.6%). NAB is rallying hard again. Insurers were better, SUN was up 0.9% with financials mixed, IFL toppled 15.8% as Bain pulled the plug, GQG saw some profit-taking, and XYZ and ZIP both showed a clean pair of heels. REITs remain under some pressure as yields hit 4.47% in the 10s. Healthcare slipped, CSL down 0.4% and SIG falling 2.3% with PME pushing higher again. Retail stocks slipped a little, APE down 2.4% on a broker downgrade, but JBH up 0.6%. ALL weighed on the sector. Tech stocks built on Tuesday's gains, WTC down 0.6% and the All-Tech Index up 1.5%. Resources were a mixed bag. BHP and RIO were around 0.5% higher, FMG was moving 2.2% higher, gold miners were mixed, GMD up 3.5% and CYL up 6.4% with NEM down 2.0%. MIN rose 4.0%, and LTR continues to roar ahead in the lithium space, up another 6.1%. Oil and gas better, WDS up 3.4% as oil prices rose, and it signed a deal with Aramco in Louisiana. In corporate news, MYX back from a trading pause as the US regulatory deadline draws close. On the economic front, wage growth came in at 3.4%, slightly higher than expected. Asian markets mixed, with Japan down 0.2%, HK up 1.7%, and China up 0.9%.  Want to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Remote work is driving a significant startup boom, reshaping the IT services market. A recent study indicates that companies with higher levels of remote work during the COVID-19 pandemic have seen a notable increase in employee startups, with an estimated 11.6% of new business formations attributed to this trend. Despite major corporations reinstating return-to-office mandates, remote work adoption in the U.S. has risen from 19.9% in late 2022 to 23.6% in early 2025, highlighting a growing demand for tools and services that support distributed teams. This shift presents both opportunities and challenges for employers, as they risk losing key talent to new ventures while also facing higher employee attrition rates.The insurance industry is beginning to address the risks associated with artificial intelligence (AI) by offering new products to cover potential losses from AI-related errors. Lloyds of London has introduced a policy that protects businesses from legal claims arising from malfunctioning AI systems, reflecting a growing recognition of AI as an operational risk. This development raises important questions about accountability and liability when AI systems fail, as seen in recent incidents involving customer service chatbots. As insurers start to underwrite AI risks, companies must adapt their service level agreements and governance structures to meet new requirements.The Cybersecurity and Infrastructure Security Agency (CISA) has announced a significant change in how it shares information, focusing on urgent alerts related to emerging threats while reducing routine updates. This shift, coupled with budget cuts that could reduce CISA's funding by 17%, raises concerns about the agency's capacity to respond to increasing cyber threats. IT services firms and cybersecurity vendors must adapt to this new landscape, as the responsibility for threat detection and response shifts more towards the private sector. Organizations that previously relied on CISA for support may find themselves facing increased operational risks due to reduced visibility and slower response times.In a related development, Microsoft has extended support for its Office applications on Windows 10 until October 2028, allowing users more time to transition to Windows 11. This decision reflects a broader trend in the technology sector, where companies are adapting their support strategies to meet user needs. By decoupling the upgrade cycles for Windows and Office, Microsoft acknowledges the resistance to forced upgrades and the importance of maintaining enterprise customer relationships. This extension provides IT service providers with additional time for operational planning while emphasizing the ongoing need for modernization in the long term. Four things to know today 00:00 Remote Work Fuels Startup Surge, Alters IT Talent Strategies Amid Growing Demand for Flexibility05:07 From Chatbot Lawsuits to Pontifical Warnings: AI Errors Now Seen as Business and Social Risk07:57 CISA Alert Shift and Budget Cuts Signal Rising Cybersecurity Burden for Private Sector10:08 Office Gets a Lifeline on Windows 10: Microsoft Decouples OS and App Upgrades Through 2028 Supported by: https://syncromsp.com/ All our Sponsors: https://businessof.tech/sponsors/ Do you want the show on your podcast app or the written versions of the stories? Subscribe to the Business of Tech: https://www.businessof.tech/subscribe/Looking for a link from the stories? The entire script of the show, with links to articles, are posted in each story on https://www.businessof.tech/ Support the show on Patreon: https://patreon.com/mspradio/ Want to be a guest on Business of Tech: Daily 10-Minute IT Services Insights? Send Dave Sobel a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/businessoftech Want our stuff? Cool Merch? Wear “Why Do We Care?” - Visit https://mspradio.myspreadshop.com Follow us on:LinkedIn: https://www.linkedin.com/company/28908079/YouTube: https://youtube.com/mspradio/Facebook: https://www.facebook.com/mspradionews/Instagram: https://www.instagram.com/mspradio/TikTok: https://www.tiktok.com/@businessoftechBluesky: https://bsky.app/profile/businessof.tech

ChatGPT & Jae Explain: POTUS Rx FixBrief DescriptionJae and Cass break down the explosive Most Favored Nation (MFN) executive order and its seismic threat to Big Pharma, PBMs, and the insurance industry. Learn why this isn't just price reform—it's a full-blown system shock, and why Jae saw it coming before the ink was dry.In This Video00:00:00 Cold Open – MFN Drops Like a Bomb00:00:35 Jae Predicted It – MFN Was Always the Domino00:02:15 What Most Favored Nation Pricing Actually Means00:04:00 Why the Benchmark Matters – Leveling the Global Field00:05:30 Graceful Exemption – Carveouts for the Poorest Nations00:07:00 Transfer Pricing – Cracking the Code of U.S. Drug Opacity00:09:00 MFN's Domino Effect on Employer Plans & Medicare Advantage00:11:00 PBMs in the Crosshairs – Toll Takers Face Transparency00:13:00 Insurers' Identity Crisis in a Post-MFN World00:16:00 Wall Street Panic & the Coming Industry Shakeout

Tuesday May 6, 2025 Justice Department Sues Big Medicare Insurers Alleging Kickbacks

Insurers are increasingly concerned about lithium-ion battery fires and what they may mean for home, contents and motor vehicle policies. 

Local councils and insurers are increasingly deciding which properties are at climate risk, in a legislative void. 

Fix It Radio: Are Your Assets Worth More? Secrets Appraisers & Insurers Won't Tell You 5-3-25 by John Rush

Brandon Nuttall, chief digital and AI officer for Xceedance, said generative AI is becoming more integral for insurance executives' technology strategy, but moving from “buzz to business value” remains a challenge.

The ASX 200 finished the month up 56 points to 8126 (+0.7%), giving us a 3.7% rise for the month. Hard to believe really. A 14% rally off the lows. CPI today came in slightly higher than some expected, but clears the way for a rate cut next week. Banks celebrated with CBA pushing 2.2% higher, NAB up 0.5% and the Big Bank Basket up to $265.43 (+1.6%). Other financials were a little mixed. MQG fell 0.5%. Insurers better, SUN up 2.3%. REITs also going well. GMG up 1.9% and SGP up 1.3%. Industrials firmed with retail again doing better, JBH up 0.7% and WES up 1.6%. COL reported today and eased 0.8%. BXB starting to find support. ALL up 1.9% and Tech doing ok, WTC up 1.0% and the Index up 1.2%.Resources took a breather today as the shorts backed off on the buying. Uranium stocks fell back a little as did gold miners. NST still suffering from soft quarterly, down another 3.5%. FMG gave back some of yesterday's gains, down 1.1%, and S32 fell 1.1%. BHP and RIO were relatively steady. Lithium stocks slipped a little, PLS down 2.3% and MIN unchanged after the big rally yesterday. JHX finding support, up 1.2%.In corporate news, plenty of quarterlies. ORG fell 1.4% on its weaker quarterly. SGR unchanged despite news that losses increased.On the economic front, the local CPI came in at 0.9% and 2.4% for the year, giving the RBA a reason to be cheerful. Meanwhile in China, factory activity fell. No surprise there really. Asian markets were firm. 10 -year yields slipped to 4.13%. Dow futures flat, NASDAQ futures down 0.4%Want to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The ASX 200 closed up 74 to 8071 in another strong day pushing to a two-month high. Up 0.9%. All sectors firing, the banks did well with NAB up % and WBC up % as the Big Bank Basket crept to $261.14 (0.4%). Financials also in demand, PNI up 2.3% PPT up 3.1% and MQG up 0.8%. AMP continues to push higher, up another 3.6%. Insurers and REITS firmed, GMG up 1.6% and SCG rising 0.9% with SUN better by 0.7%. Industrials better across the board, BXB bounced back 1.5% with CPU up 1.9% and ORG rising 3.2%. Retail stocks also in demand again, JBH up % and TPW rising %. Travel stocks also better, CTD up 4.3% leading the pack. Healthcare pushed back up too, PME up 2.7% and TLX recovering a little. In resources, iron ore miners gained with FMG quarterly and a broker upgrade helping it rise 5.8% with S32 up 2.6%. The gold sector recovered some of its recent losses with GMD up 5.1% and BGL rising 4.0%. NST quarterly disappointed on production guidance and fell 4.7%. Heavily shorted resource company also squeezed a lot higher, MIN up 13.2% after its quarterly, uranium stocks continue to power ahead, PDN up 8.5% with BOE up 14.3%. Lithium plays also in demand, LTR up 5.6%.  WDS rallied 1.5% on its big US LNG project FID. In corporate news, EDV got a new CEO, WHC rose on quarterly production report, AIA fell as it announced it would delay a second runway. Nothing on the economic front. Asian market better, Japan up 0.4%, China down 0.1% and HK up 0.1%. 10-year yields 4.19%.Want to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Got questions? Send Ericka a Text!Insurance companies are using AI to evaluate dental x-rays, denying claims when specific landmarks aren't visible in the images. This shift means approximately 70% of claims are now processed through artificial intelligence systems that disqualify submissions based on technical deficiencies rather than subjective human review.• Poor quality x-rays with cone cuts or missing apexes give insurance companies legitimate reasons to deny payment• Clinical teams need training to understand what qualifying x-rays look like for different procedures• Billing starts with proper clinical documentation and supporting attachments, not in the billing department• Digital x-rays allow immediate quality assessment - retake poor images immediately• Even the best billers can't overcome insufficient evidence when appealing denials• Creating a list of procedures requiring x-rays and examples of qualifying images can help train staff• When benefits are available and evidence is sufficient, insurance companies should pay claims• Proper documentation creates leverage when fighting unreasonable claim denialsIf you need help training your clinical teams on how to improve x-ray quality for insurance submissions, I have a step-by-step process available. Send me a message to discuss what's happening in your office.Want to learn Dental Coding and Billing? Join here:https://tr.ee/efzYrY7mp-Would you like to set-up a billing consultation with Ericka? She would love the opportunity to discuss your billing questions and see how Fortune Billing Solutions may help you. Email Ericka:ericka@dentalbillingdoneright.comSchedule a call with Ericka: https://calendly.com/ericka-dentalbillingdoneright/30min Perio performance formula: (D4341+D4342+D4346+D4355+D4910)/(D4341+D4342+D4346+D4355+D4910+D1110)

As one of the largest investors in the world, insurers can have an outsized impact on markets and investment flows. In the latest episode of Goldman Sachs Exchanges, Goldman Sachs' Mike Siegel and Matt Armas, who share findings from their 14th annual Global Insurance Survey, discuss how insurers are adapting to economic challenges and opportunities. Learn more about your ad choices. Visit megaphone.fm/adchoices

Insurers are cutting benefits on health plans as they hike the price of premiums, meaning that customers are now getting less value for their money.Meanwhile, the government's take from taxes on home energy and motor fuels has topped €4bn for the first time, with Aontú leader Peadar Tóibín TD accusing the government of “cashing in” on the cost-of-living crisis.Charlie Weston, Personal Finance Editor at the Irish Independent spoke to Matt on Wednesday's The Last Word.Hit the ‘Play' button on this page to hear the conversation.

Four years ago, Chuck Chamness stepped away from his 18-year tenure as president and CEO of the National Association of Mutual Insurance Companies. He looked around at the state industry he'd long worked for and with, and he saw a mélange of strong businesses facing seemingly insurmountable headwinds: Inflation, catastrophe costs, regulatory uncertainty, public perception problems, and the poky pace of technology adoption all served as fiscal stressors for insurance carriers; particularly smaller, regional, mutual insurance operators. In this January 2025 interview, Chamness expands on what he views as pressing business issues facing the insurance industry and offers ideas about how to move forward.

David Worldon is the Founder of Accelerated Innovation, a boutique management consultancy specialising in insurance innovation. Last year they  saved  Australia's largest insurers half a million dollars in fees and shaved a full year off their growth timelines. David has recently published the 2025 General Insurance Innovation Report, assessing and ranking how Australia's largest insurers are innovating to address key industry challenges such as climate change, underinsurance, and rising premiums. His goal is to save leaders $20m in fees and 40 years of waiting to get shit done. David is also the host of Accelerated Innovation's Innovation Insider podcast, which is available at https://acceleratedinnovation.com.au/innovation-insider/ Episode SummaryThe video features a discussion centered around the Australian insurance market, highlighting its unique dynamics, challenges, and opportunities for innovation. Here are the key points: Market Dynamics: The Australian insurance market is characterized by a high level of concentration, with a significant portion of the market share held by a few major players. This concentration influences competition and innovation within the industry. Regulatory Environment: The industry is highly regulated, with recent interventions aimed at addressing systemic issues, particularly following a Royal Commission that scrutinized the sector for malpractice. This has led to a culture of risk aversion among insurers. Innovation Focus: There is a growing emphasis on innovation, particularly in risk mitigation and preparing for natural disasters. Insurers are shifting their strategies to not only rebuild after disasters but to enhance infrastructure and resilience for future events. Collaboration and Growth: Insurers are beginning to collaborate more effectively with each other and with government entities to address challenges such as underinsurance and protection gaps. This collaborative approach is seen as a pathway to strengthening the market. Future Outlook: The discussion suggests a positive outlook for the next five to ten years, with expectations of increased appetite for risk and innovation. The market is viewed as ripe for new entrants, particularly global digital players, which could disrupt traditional distribution models. Personal vs. Commercial Lines: Innovation is more pronounced in personal lines of insurance, particularly through direct sales channels. The commercial lines are slower to innovate, focusing primarily on enhancing broker experiences. This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

In this episode of the InsuranceAUM.com Podcast, host Stewart Foley, CFA, speaks with Toby True, Partner on the Investment Strategy and Risk Management Team at Adams Street Partners, about the complexities and evolving best practices in private market portfolio construction for insurers. Toby shares how Adams Street tailors investment strategies to align bottom-up decisions with the unique objectives, risk tolerance, and liquidity needs of insurance portfolios.   The conversation explores how illiquidity impacts portfolio design, why data and historical patterns are increasingly valuable in modeling private market exposure, and what current market conditions—such as slowed distributions and resilient fundamentals—mean for capital deployment. Toby also offers insights on secondary markets, private credit underwriting, and key traits he looks for when building investment teams. It's a timely and insightful discussion for insurance investment professionals navigating today's private market environment.

Premiums are rising. Insurers are leaving markets. But people keep building in risk-prone areas, and the climate disasters just keep coming. Can insurance markets adapt? In this episode, Shayle talks to Dr. Judd Boomhower, an assistant professor of economics at the University of California-San Diego and a faculty research fellow at the National Bureau of Economic Research. He studies how insurance markets are reacting to climate change. Shayle and Judd cover topics like: Why insurers are limiting coverage in California, Florida, and other high-risk markets How disaster insurance, unlike auto or health insurance, faces a flood of claims all at the same time How catastrophe models (or “cat models” for short) work and why AI and other improvements struggle the solve the fundamental problem: a lack of historical data needed to predict future events The challenges of private “black-box” catastrophe models that can't be reviewed by third parties Reinsurance markets and why they're not attracting more capital to shore up insurers The pros and cons of parametric insurance, an emerging category of insurance products Undercapitalized “fly-by-night” insurers that risk insolvency and failing to pay out claim Recommended resources NBER: How Are Insurance Markets Adapting to Climate Change? Risk Classification and Pricing in the Market for Homeowners Insurance Brookings: “How is climate change impacting home insurance markets?” Credits: Hosted by Shayle Kann. Produced and edited by Daniel Woldorff. Original music and engineering by Sean Marquand. Stephen Lacey is executive editor. Catalyst is brought to you by Anza, a platform enabling solar and storage developers and buyers to save time, reduce risk, & increase profits in their equipment selection process. Anza gives clients access to pricing, technical, and risk data and tools that they've never had access to before. Learn more at go.anzarenewables.com/latitude. Catalyst is brought to you by EnergyHub. EnergyHub helps utilities build next-generation virtual power plants that unlock reliable flexibility at every level of the grid. See how EnergyHub helps unlock the power of flexibility at scale, and deliver more value through cross-DER dispatch with their leading Edge DERMS platform, by visiting energyhub.com.

While cyber is becoming more of an operational risk, increased severity trends and emerging technologies such as AI are raising concerns, said Ziad Kubursi, head of Financial & Executive Liability, Hartford Financial.

In this episode of The Accidental Landlord Podcast, host Peter McKenzie is joined by insurance expert Carl Bulloch to unpack one of the most stressful (and frustrating) parts of being a landlord in California - dealing with wildfire insurance claims. With the devastating January 2025 wildfires still fresh in everyone's mind, thousands of landlords are stuck in limbo, waiting on delayed payouts, battling claim denials, and facing rising premiums or non-renewals. Sound familiar? Carl brings firsthand expertise to help you make sense of it all - from what to look for in your policy, to dealing with stubborn insurance companies, to understanding why insurers are pulling out of California and what the FAIR Plan really offers. Whether you're mid-claim, underinsured, or just trying to stay ahead of the next disaster, this episode is packed with practical strategies to protect your investments and sanity.

Understanding a company’s cyber risk starts with identifying potential losses, evaluating security measures, and ensuring executive commitment to data protection. Watch this excerpt from the latest cyber webinar … Read More » The post Assessing Cyber Risk: Key Factors Insurers Must Consider appeared first on Insurance Journal TV.

Do you know your “remnant cholesterol”? It could be better than LDL for predicting your risk of having a heart attack or stroke; Vagal nerve stimulation for seizures—could adding a keto diet help? Exoskeletons that help runners, hikers, and cyclists have hit the consumer marketplace for recreational athletes; RFK Jr's HHS launches program to improve infant formulas; Insurers bilk taxpayers for billions by double-charging Medicaid.

March 31, 2025 - New York State Insurance Association President Cassandra Anderson makes the case for state to give car insurers more flexibility to retroactively cancel policies used as part of a fraud campaign.

In this episode of the InsuranceAUM.com Podcast, host Stewart Foley, CFA, is joined by Anwiti Bahuguna, PhD, Chief Investment Officer of Global Asset Allocation at Northern Trust Asset Management. The conversation explores Northern Trust's latest long-term capital market assumptions and the macroeconomic forces likely to shape insurer portfolios over the next decade—from AI-enabled productivity and energy transition to evolving patterns of globalization.   Anwiti shares how her team blends quantitative modeling with insights from asset class specialists to create actionable 10-year outlooks for insurance investors. The discussion spans implications for fixed income and equity allocations, real assets as inflation hedges, and the growing relevance of private markets—particularly private credit. With practical insights on capital formation, macro themes, and manager selection, this episode offers a roadmap for insurance CIOs and investment teams navigating the complexities of a shifting global landscape.

Franklin Manchester, global insurance strategic advisor at SAS Institute explais how insurance leaders face a growing ethical responsibility to close the global protection gap — leveraging AI, data, and technology to build resilient communities while overcoming trust barriers and adapting to climate-driven risks.

In this episode of the InsuranceAUM.com Podcast, host Stewart Foley, CFA, sits down with Dan Palone, Managing Director of Global Loan Operations at SS&C Technologies, to discuss the latest trends in the residential mortgage market. With rising interest rates, limited housing supply, and increasing investor interest, how are insurers positioning themselves in this evolving landscape?   Dan shares insights into the advantages of residential mortgage loans (RMLs) over traditional mortgage-backed securities, key operational considerations for insurers looking to scale in this asset class, and the impact of automation on mortgage investing. Tune in to learn how insurance investors can navigate the complexities of the Resi market and optimize their portfolios.

The number of uninsured vehicles seized in 2024 was up 67%, according to a report from the Motor Insurers' Bureau of Ireland. Just over 18,000 vehicles were seized by gardaí following the introduction of the Motor Insurance Database. First Annual Report has just been published by the Motor Insurers' Bureau of Ireland and their CEO David Fitzgerald

Bob Frady, co-founder of PropertyLens, discusses how infrastructure spending, data analytics, and insurtech startups are transforming risk modeling, enabling insurers to move from broad-stroke rating to hyper-local assessments.

Here's my new idea for an episode. Welcome to it. I want to talk about a major theme running through the last few episodes of Relentless Health Value. And this theme is, heads up, going to continue through a few upcoming shows as well. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. We have Matt McQuide coming up, talking about patient engagement, and Christine Hale, MD, MBA, talking about high-cost claimants. And we also have an encore coming up with Kenny Cole, MD, talking about a lot of things; but patient trust is one of them. But before I get to the main theme to ponder here, let me talk about what gets selected to talk about on Relentless Health Value. I will freely admit, how topics for shows get picked, it's not exactly a linear sort of affair. And furthermore, even if it were, I can't always get the stars to align to get a specific cluster of guests to all come on like one after the other. So, for sure, it might be less than obvious at times where my head is at—and sometimes, admittedly, I don't even know. This may sound incredibly scattershot (and it probably is), but in my defense, this whole healthcare thing, in case you didn't know, it's really complicated. Every time I get a chance to chat with an expert, I learn something new. I feel like it's almost impossible to sit in a vacuum and mastermind some kind of grand insight. Very, very fortunately, I don't need to sit in a cave and do all this heavy thinking all by myself. We got ourselves a tribe here of like-minded, really smart folks between the guests and you lot, all of you in the tribe of listeners who are here every week. Yeah, you rock! And I can always count on you to start teasing out the themes and the through lines and the really key actionable points. You email me. You write great posts and comments on LinkedIn and elsewhere. Even if I am a little bit behind the eight ball translating my instinct into an actual trend line, it doesn't slow this bus down. It's you who keeps it moving, which is why I can confidently say it's you all who are to blame for this new idea I came up with the other day after the podcast with Al Lewis (EP464) triggered so much amazing and really deep insight and dot connecting back and forth that hooked together the past six, I'm gonna say, or so shows. Let's just start at the beginning. Let's start with the topics that have been discussed in the past several episodes of the pod. Here I go. Emergency room visits are now costing about 6% of total plan sponsor spend on average. That was the holy crap moment from the episode with Al Lewis (EP464). Emergency room volume is up, and also prices are up. In that show with Al Lewis, I did quote John Lee, MD, who is an emergency room doctor, by the way. I quoted him because he told a story about a patient who came into the ER, winds up getting a big workup in his ER. Dr. Lee says he sees this situation a lot where the patient comes in, they've had something going on for a while, they've tried to make an appointment with their PCP or even urgent care, they could not get in. It's also really hard to coordinate and get all the blood work or the scans and have that all looked at that's needed for the workup to even happen. I've spoken with multiple ER doctors at this point, and they all say pretty much the same thing. They see the same scenario happen often enough, maybe even multiple times a day. Patient comes in with something that may or may not be emergent, and they are now in the ER because they've been worried about it for weeks or months. And the ER is like the only place where they can get to the bottom of what is going on with their body. And then the patient, you know, they spend the whole day in the ER getting what amounts to weeks' worth of outpatient workup accomplished and scans and imaging and labs. And there's no prior authing anything down. It's also incredibly expensive. Moving on from the Al Lewis show, earlier than that I had had on Rushika Fernandopulle, MD (EP460) and then also Scott Conard, MD (EP462). Both are PCPs, both talking about primary care and what makes good primary care and what makes bad primary care and how our current “healthcare marketplace,” as Dr. Conard puts it, incentivizes either no primary care and/or primary care where volume driven throughput is the name of the game—you know, like seeing 25 patients a day. These visits or episodes of care are often pretty transactional. If relationships are formed, it's because the doctor and/or the patient are rising above the system, not the other way around. And none of that is good for primary care doctors, nurses, or other clinicians. It's also not good for patients, and it's not good for plan sponsors or any of the ultimate purchasers here (taxpayers, patients themselves) because while all of this is going on, those patients getting no or not good primary care are somebody's next high-cost claimant. Okay, so those were the shows with Rushika Fernandopulle and Scott Conard. Then this past week was the show with Vivian Ho, PhD (EP466), who discusses the incentives that hospital leadership often has. And these incentives may actually sound great on paper, but IRL, they wind up actually jacking up prices and set up some weird incentives to increase the number of beds and the heads in them. There was also two shows, one of them with Betsy Seals (EP463) and then another one with Wendell Potter (EP384), about Medicare Advantage and what payers are up to. Alright, so let's dig in. What's the big theme? What's the big through line here? Let's take it from the top. Theme 1 is largely this (and Scott Conard actually said this flat out in his show): Primary care—good primary care, I mean—is an investment. Everything else is a cost. And those skyrocketing ER costs are pure evidence of this. Again, listen to that show with Al Lewis earlier (EP464) for a lot of details about this. But total plan costs … 6% are ER visits. Tim Denman from Premise Health wrote, “That is an insane number! Anything over 2% warrants concern.” But yeah, these days we have, on average across the country, 200 plan members out of 1000 every single year dipping into their local ER. That number, by the way, will rise and fall depending on the access and availability of primary care and/or good urgent cares. Here's from a Web site entitled ER Visit Statistics, Facts & Trends: “In the United States, emergency room visits often highlight gaps in healthcare accessibility. Many individuals turn to ERs for conditions that could have been managed through preventative or primary care. … This indicates that inadequate access to healthcare often leads to increased reliance on emergency departments. … “ED visits can entail significant costs, particularly when a considerable portion of these visits is classified as non-urgent. … [Non-urgent] visits—not requiring immediate medical intervention—often lead to unnecessary expenditures that could be better allocated in primary care settings.” And by the way, if you look at the total cost across the country of ER visits, it's billions and billions and billions of dollars. In 2017, ED visits (I don't have a stat right in front of me), but in 2017, ED visits were $76.3 billion in the United States. Alright, so, the Al Lewis show comes out, I see that, and then, like a bolt of lightning, François de Brantes, MBA, enters the chat. François de Brantes was on Relentless Health Value several years ago (EP220). I should have him come back on. But François de Brantes cemented with mortar the connectivity between runaway ER costs and the lack of primary care. He started out talking actually about a new study from the Milbank Memorial Fund. Only like 5% of our spend going to primary care is way lower than any other developed country in the world—all of whom, of course, have far higher life expectancies than us. So, yeah … they might be onto something. François de Brantes wrote (with some light editing), “Setting aside the impotence of policies, the real question we should ask ourselves is whether we're looking at the right numbers. The short answer is no, with all due respect to the researchers that crunched the numbers. That's probably because the lens they're using is incredibly narrow and misses everything else.” And he's talking now about, is that 5% primary care number actually accurate? François de Brantes continues, “Consider, for example, that in commercially insured plans, the total spend on … EDs is 6% or more.” And then he says, “Check out Stacey Richter's podcast on the subject, but 6% is essentially what researchers say is spent on, you know, ‘primary care.' Except … they don't count those costs, the ER costs. They don't count many other costs that are for primary care, meaning for the treatment of routine preventative and sick care, all the things that family practices used to manage but don't anymore. They don't count them because those services are rendered by clinicians other than those in primary care practice.” François concludes (and he wrote a great article) that if you add up all the dollars that are spent on things that amount to primary care but just didn't happen in a primary care office, it's conservatively around 17% of total dollars. So, yeah … it's not like anyone is saving money by not making sure that every plan member or patient across the country has a relationship with an actual primary care team—you know, a doctor or a nurse who they can get on the phone with who knows them. Listen to the show coming up with Matt McQuide. This theme will continue. But any plan not making sure that primary care happens in primary care offices is shelling out for the most expensive primary care money can buy, you know, because it's gonna happen either in the ER or elsewhere. Jeff Charles Goldsmith, PhD, put this really well. He wrote, “As others have said, [this surge in ER dollars is a] direct consequence of [a] worsening primary care shortage.” Then Dr. John Lee turned up. He, I had quoted on the Al Lewis show, but he wrote a great post on LinkedIn; and part of it was this: “Toward a systemic solution, [we gotta do some unsqueezing of the balloon]. Stacey and Al likened our system to a squeezed balloon, with pressure forcing patients into the [emergency room]. The true solution is to ‘unsqueeze' the system by improving access to care outside the [emergency room]. Addressing these upstream issues could prevent patients from ending up in the [emergency room]. … While the necessary changes are staring us in the face, unsqueezing the balloon is far more challenging than it sounds.” And speaking of ER docs weighing in, then we had Mick Connors, MD, who left a banger of a comment with a bunch of suggestions to untangle some of these challenges that are more challenging than they may sound at first glance that Dr. Lee mentions. And as I said, he's a 30-year pediatric emergency physician, so I'm inclined to take his suggestions seriously. You can find them on LinkedIn. But yeah, I can see why some communities are paying 40 bucks a month or something for patients without access to primary care to get it just like they pay fire departments or police departments. Here's a link to Primary Care for All Americans, who are trying to help local communities get their citizens primary care. And Dr. Conard talked about this a little bit in that episode (EP462). I can also see why plan sponsors have every incentive to change the incentives such that primary care teams can be all in on doing what they do. Dr. Fernandopulle (EP460) hits on this. This is truly vital, making sure that the incentives are right, because we can't forget, as Rob Andrews has said repeatedly, organizations do what you pay them to do. And unless a plan sponsor gets into the mix, it is super rare to encounter anybody paying anybody for amazing primary care in an actual primary care setting. At that point, Alex Sommers, MD, ABEM, DipABLM, arrived on the scene; and he wrote (again with light editing—sorry, I can't read), “This one is in my wheelhouse. There is a ton that could be done here. There just has to be strategy in any given market. It's a function of access, resources, and like-minded employers willing to invest in a direct relationship with providers. But not just any providers. Providers who are willing to solve a big X in this case. You certainly don't need a trauma team on standby to remove a splinter or take off a wart. A great advanced primary care relationship is one way, but another thing is just access to care off-hours with the resources to make a difference in a cost-plus model. You can't help everybody at once. But you can help a lot of people if there is a collaborative opportunity.” And then Dr. Alex Sommers continues. He says, “We already have EKG, most procedures and supplies, X-ray, ultrasounds, and MRI in our clinics. All that's missing is a CT scanner. It just takes a feasible critical mass to invest in a given geography for that type of alternative care model to alter the course here. Six percent of plan spend going to the ER. My goodness.” So, then we have Ann Lewandowski, who just gets to the heart of the matter and the rate critical for primary care to become the investment that it could be: trust. Ann Lewandowski says, “I 100% agree with all of this, basically. I think strong primary care that promotes trust before things get so bad people think they need to go to the emergency room is the way to go.” This whole human concept of trust is a gigantic requirement for clinical and probably financial success. We need primary care to be an investment, but for it to be an investment, there's got to be relationships and there has to be trust between patients and their care teams. Now, neither relationships nor trust are super measurable constructs, so it's really easy for some finance pro to do things in the name of efficiency or optimization that undermine the entire spirit of the endeavor without even realizing it. Then we have a lot of primary care that doesn't happen in primary care offices. It happens in care settings like the ER. So, let's tug this theme along to the shows that concern carriers, meaning the shows with Wendell Potter (EP384) on how shareholders influence carrier behavior and with Betsy Seals (EP463) on Medicare Advantage plans and what they're up to. Here's where the primary care/ER through line starts to connect to carriers. Here's a LinkedIn post by the indomitable Steve Schutzer, MD. Dr. Schutzer wrote about the Betsy Seals conversation, and he said, “Stacey, you made a comment during this fabulous episode with Betsy that I really believe should be amplified from North to South, coast to coast—something that unfortunately is not top of mind for many in this industry. And that was ‘focus on the value that accrues to the patient'—period, end of story. That is the north star of the [value-based care] movement, lest we forget. Financial outcome measures are important in the value equation, but the numerator must be about the patient. As always, grateful for your insights and ongoing leadership.” Oh, thank you so much. And same to you. Grateful for yours. Betsy Seals in that podcast, though, she reminded carrier listeners about this “think about the value accruing to the patient” in that episode. And in the Wendell Potter encore that came out right before the show with Betsy, yeah, what Wendell said kind of made me realize why Betsy felt it important to remind carriers to think about the value accruing to patients. Wall Street rewards profit maximization in the short term. It does not reward value accruing to the patient. However—and here's me agreeing with Dr. Steve Schutzer, because I think this is what underlies his comment—if what we're doing gets so far removed from what is of value to the patient, then yeah, we're getting so removed from the human beings we're allegedly serving, that smart people can make smart decisions in theoretical model world. But what's being done lacks a fundamental grounding in actual reality. And that's dangerous for plan members, but it's also pretty treacherous from a business and legal perspective, as I think we're seeing here. Okay, so back to our theme of broken primary care and accelerating ER costs. Are carriers getting in there and putting a stop to it? I mean, as aforementioned about 8 to 10 times, if you have a broken primary care system, you're gonna pay for primary care, alright. It's just gonna be in really expensive care settings. You gotta figure carriers are wise to this and they're the ones that are supposed to be keeping healthcare costs under control for all America. Well, relative to keeping ER costs under control, here's a link to a study Vivian Ho, PhD, sent from Health Affairs showing how much ER prices have gone up. ER prices are way higher than they used to be. So, you'd think that carriers would have a huge incentive to get members primary care and do lots and lots of things to ensure that not only would members have access to primary care, but it'd be amazing primary care with doctors and nurses that were trusted and relationships that would be built. It'd be salad days for value. Except … they're not doing a whole lot at any scale that I could find. We have Iora and ChenMed and a few others aside. These are advanced primary care groups that are deployed by carriers, and these organizations can do great things. But I also think they serve—and this came up in the Dr. Fernandopulle show (EP460)—they serve like 1% of overall patient populations. Dr. Fernandopulle talked about this in the context of why these advanced primary care disruptors may have great impact on individual patients but they have very little overall impact at a national scale. They're just not scaled, and they're not nationwide. But why not? I mean, why aren't carriers all over this stuff? Well, first of all—and again, kind of like back to the Wendell show (EP384) now—if we're thinking short term, as a carrier, like Wall Street encourages, you know, quarter by quarter, and if only the outlier, mission-driven folks (the knights) in any given carrier organization are checking what's going on actually with plans, members, and patients like Betsy advised, keep in mind it's a whole lot cheaper and it's easier to just deny care. And you can do that at scale if you get yourself an AI engine and press Go. Or you can come up with, I don't know, exciting new ways to maximize your risk adjustment and upcoding. There's an article that was written by Sergei Polevikov, ABD, MBA, MS, MA

In this episode, we chat with James Fryer, an experienced mining underwriter for Inigo, who are global specialists in high-risk, high-capacity insurance and reinsurance lines – serving some of the world’s largest commercial and industrial enterprises including the mining and resources sector. James explains more about the insurance industry, what mining companies could do better from a risk prospective, how insurance companies can improve their negative reputations, what are the current risk challenges in our industry, and what makes a good mining client from an insurance perspective. KEY TAKEAWAYS It's crucial for mining companies to fully understand the details of their insurance policies, including what is covered and what is not. Misunderstandings often lead to conflicts during claims. Insurance for mining companies should be bespoke, as each mining operation has unique risks and challenges. Insurers work closely with mining companies to develop tailored insurance products that meet their specific needs. Insurance companies need to adopt a more proactive approach to risk management by learning from past losses and providing clarity in policy wording. This helps ensure that mining companies have certainty in their coverage when losses occur. The mining industry faces new risks due to technological advancements, such as automation and electrification. Insurers must adapt their policies to address these emerging risks while also leveraging technology for better risk assessment and monitoring. A successful partnership between mining companies and insurers is built on trust and transparency. Long-term relationships allow both parties to better understand each other's risks and needs, ultimately leading to more effective risk management and support during claims. BEST MOMENTS "Insurance is just another method of risk management. It's that transfer of risk from the company to a third party, in this case being the insurance company." "Not every mine is the same. Our job is to work with insurance brokers and the mining companies to develop something that is suitable for them." "Insurance is very reactive. There are those losses that will occur that a 60-page insurance wording contract just isn't able to respond to." "The best insurance policy is one that you will never have to claim on because it means that you haven't had that financial loss." VALUABLE RESOURCES Mail: rob@mining-international.org LinkedIn: https://www.linkedin.com/in/rob-tyson-3a26a68/ X: https://twitter.com/MiningRobTyson YouTube: https://www.youtube.com/c/DigDeepTheMiningPodcast Web: http://www.mining-international.org This episode is sponsored by Hawcroft, leaders in property risk management since 1992. They offer: Insurance risk surveys recognised as an industry standard Construction risk reviews Asset criticality assessments and more Working across over 600 sites globally, Hawcroft supports mining, processing, smelting, power, refining, ports, and rail operations. For bespoke property risk management services, visit www.hawcroft.com GUEST SOCIALS https://uk.linkedin.com/in/james-fryer-71177913 www.MIRAassoc.com https://www.linkedin.com/company/mining-insurance-group/ https://inigoinsurance.com/ ABOUT THE HOST Rob Tyson is the Founder and Director of Mining International Ltd, a leading global recruitment and headhunting consultancy based in the UK specialising in all areas of mining across the globe from first-world to third-world countries from Africa, Europe, the Middle East, Asia, and Australia. We source, headhunt, and discover new and top talent through a targeted approach and search methodology and have a proven track record in sourcing and positioning exceptional candidates into our clients' organisations in any mining discipline or level. Mining International provides a transparent, informative, and trusted consultancy service to our candidates and clients to help them develop their careers and business goals and objectives in this ever-changing marketplace. CONTACT METHOD rob@mining-international.org https://www.linkedin.com/in/rob-tyson-3a26a68/ Podcast Description Rob Tyson is an established recruiter in the mining and quarrying sector and decided to produce the “Dig Deep” The Mining Podcast to provide valuable and informative content around the mining industry. He has a passion and desire to promote the industry and the podcast aims to offer the mining community an insight into people’s experiences and careers covering any mining discipline, giving the listeners helpful advice and guidance on industry topics.

If you're lucky enough to own a house, it's probably your biggest financial asset. But the value of many properties is at risk as insurers move to price in climate change with individual risk ratings. Climate Change Correspondent Eloise Gibson reports.

For years homeowners' insurance was just there. It was a safety net in the background, ready to catch someone when disaster struck. But now, that net is fraying, and homeowners are scrambling to understand why coverage is becoming so expensive — or in some areas, nearly impossible to obtain.Homeowners across the country — especially in wildfire-prone states like California — are seeing their premiums skyrocket, their policies canceled, or, in some cases, they are left without any options at all. Insurers too are feeling the pressure. For years, they relied on traditional risk models to calculate premiums, issue policies, and assume predictable loss patterns. But the landscape is changing. Rising claims, extreme weather events, and economic pressures are pushing the industry to a breaking point.At the center of this crisis is a fundamental question: how does the industry adapt to a world with accelerating natural hazard risk? On this episode of Core Conversations, host Maiclaire Bolton Smith sits down with the co-founder of Wows Insurance to talk about this issue and what can be done to address this ongoing crisis.In This Episode2:46 – Why are insurers paying out more than they are taking in?4:48 – What will happen to the housing market if insurance becomes too expensive or impossible to get?6:52 – Are there alternative paths to providing insurance beyond the traditional avenues?9:51 – How can governmental policy development and homeowner participation help improve insurance accessibility?14:08 – Is it possible for insurance to remain a profitable business long-term?17:10 – Erika Stanley does the numbers in the housing market in The Sip.18:12 – How do you insure the value of a home long-term as the market continues to drive up prices?22:26 – Comparing the 2024 and 2025 California wildfire season.24:27 – In which other states is wildfire risk increasing dramatically?26:43 – What does the future landscape of wildfire insurance look like?Up Next: The Homes the LA Wildfires Left: A Hidden Insurance Crisis?Links: Will Trump Tariffs Harm Home Affordability?What Is the Real Price of LA's Wildfire Disaster?What Will a Second Trump Presidency Mean for U.S. Housing?Explore CoreLogic DataRead CoreLogic Intelligence Find full episodes with all our guests in our podcast archive here: https://clgx.co/3HFslXD5 Copyright 2025 CoreLogic Will Trump Tariffs Harm Home Affordability?What Is the Real Price of LA's Wildfire Disaster?What Will a Second Trump Presidency Mean for U.S. Housing?Explore CoreLogic DataRead CoreLogic...

Nathan Bomey, business reporter for Axios and author of the Axios Closer newsletter joins Megan Lynch with a look at the rising costs of auto insurance. He says 'the price of insurance is going to go up,' and insurers are looking at a 5% increase this year.

In this episode of the CX Goalkeeper Podcast, I had the pleasure of speaking with Rajesh Sankaran, a seasoned insurance industry expert. We discussed how customer experience (CX) is reshaping digital insurance, the challenges of balancing the human touch with technology, and why emotional value is key to customer loyalty. Rajesh shared valuable insights on AI, digital transformation, and personalization strategies in the insurance industry. If you want to understand how Netflix, Amazon, and other digital giants influence insurance CX, this episode is a must-listen!About the GuestRajesh is an insurance and e-commerce executive and technology leader passionate about harnessing technology to solve business problems. With 25+ years of experience helping large Insurance, Manufacturing, Communications, and Technology enterprises grow and expand. He is a technologist who came up through development, business analysis, and program management, allowing me to manage implementing/supporting enterprise scale delivery to grow businesses and solve complex problems. He works with organizations on CRM rollout, data insights, and Agile delivery. In his current gig, he builds a platform for D2C sales. The customer is king, and he is obsessed with ensuring our customers get the best experience with every interaction—2nd runner-up in CXPA awards.Relevant Linkshttps://www.linkedin.com/in/rajeshsank/The Top 3 Key LearningsDigital Expectations Are Set by Other Industries – Customers don't compare insurers to other insurers. They compare them to Netflix, Amazon, and Apple, expecting the same level of speed, simplicity, and convenience.Emotional Value Drives Customer Loyalty – Customers stay with insurers not just for price, but for the experience. Insurers must focus on human-to-human interactions, even in digital channels.AI and Automation Are Essential, but Human Touch Matters – AI can improve efficiency, but customers still want a human connection when facing complex or emotional decisions. Insurers must blend automation with personalized support.Chapters00:00 Introduction and Guest Welcome 00:22 Rajesh Sankaran's Background 01:07 Core Values in Professional Life 01:47 Digital Transformation in Insurance 04:54 Challenges in Delivering Customer Experience 13:00 Balancing Technology and Human Touch 20:01 Future of AI in Insurance 22:19 Looking Ahead: The Future of Insurance 23:43 Conclusion and Final ThoughtsKeywordsdigital insurance, customer experience in insurance, CX transformation, AI in insurance, insurance digitalization, omnichannel insurance, personalized insurance, customer loyalty in insurance, insurance technology, emotional value in CX, future of insurance, AI-driven CX, insurance automation, human touch in insurance,

In this episode of the Risk Management Show, we explore how DelphX Capital Markets is revolutionizing credit risk management for insurers with innovative structured finance solutions. Patrick Wood, CEO of DelphX Capital Markets, shares insights into their groundbreaking product, credit rating securities, and how it addresses the challenges faced by risk managers in the insurance industry. With over 25 years of expertise in capital markets, Patrick explains how this fully collateralized solution can mitigate capital charges, offering a vital tool for insurance portfolio managers navigating today's volatile market. We discussed the evolution of structured finance, the role of AI in credit markets, and why Wall Street's lack of innovation has created opportunities for new solutions. If you're interested in risk management, sustainability, or understanding the next chapter in bond markets, this episode delivers valuable insights. If you want to be our guest or suggest a guest, send your email to info@globalriskconsult.com with the subject line "Podcast Guest Inquiry." Don't miss this conversation for an inside look at the future of credit risk management and innovation in the insurance sector!

Regulators have given two major insurers the OK to begin raising rates for 660,000 customers starting later this year.Mercury General , the fifth largest home insurer in the state, will begin raising rates in late March for its 579,300 homeowners, condo owners and dwelling rental policyholders by an average of 12% for homeowners (less for condo and rentals), filings with the California Department of Insurance show. And those who get their homeowners insurance through Safeco, a subsidiary of fourth-largest insurer Liberty Mutual, will see rates rise by an average of 7.2% in May. About 86,700 customers are affected.

Insurers would have to give 60 days notice to consumers before dropping them; lawmakers consider prohibiting smart phones in the classroom; and Atlanta's about to see some seriously wet weather.See omnystudio.com/listener for privacy information.

California homeowners are facing yet another financial strain as rising wildfire risks push insurance costs even higher. Following the devastating Los Angeles wildfires, the state's FAIR Plan—a last-resort insurer—announced a $1 billion assessment to cover wildfire losses, a move expected to drive up premiums for millions of homeowners. Insurers like State Farm are already seeking emergency rate hikes, while private companies continue withdrawing from high-risk areas, leaving many Californians with fewer, costlier coverage options. As affordability concerns mount, this growing insurance crisis threatens to make homeownership even more unattainable in one of the nation's most expensive housing markets. Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Bonus Episode for Feb. 7. California's wildfires caused an estimated $30 billion or more in losses to insurers. The state's insurance landscape is in a state of chaos, but the broader industry is faring better. Telis Demos, co-host of WSJ's Take On the Week and a writer for Heard on the Street, breaks down what's happening across the industry and explains why the impact of the catastrophe on insurance companies such as Allstate, Travelers and Chubb could depend on reinsurers like the Everest Group.  Chip Cutter hosts this special bonus episode of What's News in Earnings, where we dig into companies' earnings reports and analyst calls to find out what's going on under the hood of the American economy. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

As insurance companies increasingly drop coverage for homeowners' associations, potential buyers are deterred, and the market could be destabilized. Today's Stocks & Topics: BCE - BCE Inc., UPS - United Parcel Service Inc. Cl B, WHR - Whirlpool Corp., Market Wrap, Insurers are Dropping HOAs, Threatening the Condo Market, CLS - Celestica Inc., PYPL - PayPal Holdings Inc., The Fed Meeting, Roth 403b vs. Roth I-R-A, AOS - A.O. Smith Corp., Oil Companies and The Electricity Market.Our Sponsors:* Check out Fabric: https://fabric.com/INVESTTALK* Check out Indochino: https://indochino.com/INVEST* Check out Kinsta: https://kinsta.com* Check out Trust & Will: https://trustandwill.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

 Insurers across the country are leaving high-risk areas that are affected by disasters like wildfires. Some Oregonians are experiencing insurance rate increases and are struggling with a shifting insurance market. In Deschutes County, homeowners in fire-prone areas are facing higher insurance premiums, according to The Source Weekly.  And residents in Southern Oregon are seeing similar issues. Earlier this month, Democratic Senator Jeff Golden of Ashland held a town hall in Medford. He spoke with frustrated residents who were concerned about the state’s final wildfire hazard map, according to NBC5 News. Oregon law prohibits insurers from using the map to adjust rates. Mitigating risks through fire-wise communities and creating defensible space are some of the ways residents can show insurers they are taking action.  We hear more about these concerns from Golden and Andrew Stolfi, the state’s insurance commissioner and the director of the Oregon Department of Consumer and Business services.    1/31 Insurers across the country are leaving high-risk areas that are affected by disasters like wildfires. Some Oregonians are experiencing insurance rate increases and are struggling with a shifting insurance market. We learn more about the challenges residents are facing in fire-prone areas.

What drove FuboTV's gains? And how are bird-flu worries affecting vaccine makers? Plus, why did insurance shares drop? Host Francesca Fontana discusses the biggest stock moves of the week and the news that drove them. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

For the last year The Wall Street Journal has been investigating the Medicare Advantage program. It was originally created to make healthcare for seniors and the disabled more efficient. The idea was to outsource insurance to private companies to save taxpayer dollars -- and avoid providers gaming the system as they had in the traditional Medicare program.“Some of those good intentions did not foresee how companies would respond to the financial incentives that had been created,” says Christopher Weaver, one of the Journal reporters who looked at the issue. He says companies have bilked the system for billions of dollars using tactics like over diagnosing patients. Christopher Weaver joins Diane on this episode of On My Mind to share the results of his investigation – and discuss the future of the Medicare Advantage program.For more on The Wall Street Journal's series on the Medicare Advantage program: https://www.wsj.com/news/author/christopher-weaver

BUY CAST BREW COFFEE TO FIGHT BACK - https://castbrew.com/ Become a Member For Uncensored Videos - https://timcast.com/join-us/ Hang Out With Tim Pool & Crew LIVE At - http://Youtube.com/TimcastIRL Palisades Wildfire WORSENS, Insurers KNEW And CANCELED Policies WEEKS AGO, Democrats FAILED CA Learn more about your ad choices. Visit megaphone.fm/adchoices