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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. 
May I Have Some Neural Networks with My Insurance Data, Please?
Machine learning techniques, particularly Artificial Neural Networks (ANNs), have enjoyed an upsurge in popularity and practical applications in a myriad of disciplines.  The explosion in the variety and volume of available data, coupled with cheap data storage and fast computing power, have placed ANNs front and center in data scientists’ tool boxes. 
Recent Trends in Personal Auto Insurance Costs
Recently emerging cost trends in the world of personal auto insurance have disrupted an environment previously known for its underwriting profitability and predictable claim severity patterns. During the past year, we have seen increasing pure premium trends across all major coverages. What is driving these trends? Will they continue into the future? And might current private passenger automobile rating plans account for variables affecting these pure premium increases?
Autonomous Vehicles and Human Beings
So much has been written about autonomous self-driving cars (automated vehicles or AV) and all of it is simply fascinating. The technology is evolving quickly and the research in this field will affect each and every one of us in unforeseen ways. Looking back just 7-8 years ago, smartphones were being adopted by the masses. My, how our lives have changed – generally for the better, but with some definite downsides. 
Art Randolph

Florida’s Property Insurance Market

The Wind Is (Finally) Blowing

Florida’s Property Insurance Market
With Hurricane Hermine bearing down on Florida, I recognized that I could not physically do anything to assist my sister and her family in Jacksonville (or my friends and extended family throughout the state), nor my insurance company clients that admirably serve the communities that will be affected by the storm. However, Hermine obligates me to contemplate the potential impact she may have on the underwriting results and financial solvency of Florida property insurers, and how the property insurance landscape might be altered.
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