As climate change fuels more intense hurricanes, wildfires, and floods, homeowners in high-risk zones face skyrocketing property insurance premiums—or outright non-renewal. Traditional indemnity insurance is …
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How Parametric Triggers Are Changing Catastrophe Risk Management?
Rising temperatures fuel stronger hurricanes, longer wildfire seasons, and flash floods. US property insurance premiums have surged 30–40% in high‑risk states since 2020. Insurers are …
Parametric Insurance: a Faster Payout Model for Hurricane and Wildfire Losses
As climate change intensifies hurricane seasons and wildfire seasons across the U.S., homeowners and businesses face longer recovery times and rising premiums. Traditional indemnity insurance …
How Platform Companies Can Manage Workers’ Comp Risks for Gig Workers?
The gig economy is exploding, but workers’ compensation coverage for independent contractors remains a fragmented, high-risk puzzle. Platform companies face mounting liability as more workers …
State-by-state Variations in Workers’ Comp for Independent Contractors
The gig economy has blurred the line between employee and independent contractor—especially when it comes to workers’ compensation. Unlike traditional employees, independent contractors are generally …
New Insurance Models for Gig Economy Workers: a Critical Review
The gig economy now accounts for over 36% of the U.S. workforce, yet most independent contractors remain without workers’ compensation or liability coverage. As climate …
Liability Gaps in the Gig Economy: Who Pays When a Worker Gets Hurt?
The gig economy has exploded across the U.S., but the safety net for workers hasn’t kept up. When a delivery driver or rideshare operator gets …
Why Gig Workers Are Falling Through the Cracks of Workers’ Compensation?
The gig economy is booming, but the safety net isn’t keeping pace. Millions of drivers, delivery workers, and freelancers operate without workers’ compensation coverage because …
From Paper to Pixels: the Complete Guide to Digital Life Underwriting
The life insurance industry is undergoing its most radical transformation in a century. Digital life underwriting replaces paper applications, manual medical reviews, and weeks of …
Digital Tools for Personalized Life Insurance Risk Assessment
Climate change is reshaping property insurance premiums across the US—but its ripple effects are also transforming life insurance underwriting. As carriers face rising uncertainty, digital …