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Autonomous Vehicles and the Future of Auto Insurance
On March 18th a transportation network company’s (TNC) self-driving car hit and killed a woman in Arizona. This crash brings up insurance questions similar to those generated by the December 31, 2013 fatal accident that first brought the issue of ridesharing and insurance into the spotlight. Transportation network companies wanted personal insurers to cover the exposure, but insurance industry trade groups believed commercial insurance should apply from app on to app off. This led insurance trade groups, insurers and TNCs to develop a compromise model bill. Since then, 48 states and the District of Columbia  have enacted TNC legislation. It also prompted insurers to create new products for TNC drivers.
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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.
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