Most Popular

Hail Yes!!
Linda Brobeck December 07, 2017 Posted in: Blog Posts, Homeowners, Insurance / Insurers
Following major hurricane losses, the insurance industry responded on several levels. It built sophisticated models to better predict and mitigate resulting losses. It actively supported regulations and building codes to ensure more durable building materials and processes. It created windstorm pools to share the cost of essentially uninsurable risks in the eyes of the private market, to name just a few changes.
Can the Black-Scholes Model Estimate How Much Premium is Too Much?
A Pinnacle client recently inquired about a paper regarding an approach to estimating the maximum premium appropriate for a captive insurance company. The author sought to determine a ceiling on the premium a company might pay for insurance by treating insurance as a put option and applying a popular financial tool, the Black-Scholes model. 
Women’s Health and Insurance
When I recently scheduled an OB-GYN appointment, the first available opening was nearly two months out. Many women already wait months to see a physician for routine care. The critical nature of the aging OB-GYN workforce is clear, and this crisis will force some substantial changes for both patients and insurers.
Insuring Reputational Risk
Joe Herbers June 20, 2017 Posted in: Blog Posts, Cyber, ERM, Insurance / Insurers
How does an organization protect itself from reputational risk? Purchasing cyber liability coverage, adding safeguards to its IT systems, ensuring its employees behave in a professional manner both inside and outside the company walls and paying close attention to social media platforms come to mind. But are all of these even enough? Most organizations understand they must plan ahead and be prepared to get out in front of an adverse event to reassure their audiences that business will go on as usual.
Actuaries Adapt to Climate Change Using New Tools
Multiple Authors June 01, 2017 Posted in: Blog Posts, General, Insurance / Insurers, News
It’s concerning that many indicators of climate change like global temperature or sea levels continue to rise. Fortunately for the insurance industry, actuaries are also rising to the challenges posed by climate change. One recent example is the creation of the Actuaries Climate Index (ACI) and the forthcoming Actuaries Climate Risk Index (ACRI). These indices were created jointly by the American Academy of Actuaries (AAA), Canadian Institute of Actuaries (CIA), Casualty Actuarial Society (CAS) and Society of Actuaries (SOA) to help actuaries address the challenges climate change has created.
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