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Category: Entries

Hurricane Season Begins, The Hard Market Ends

Posted On June 1, 2023June 1, 2023 By Iancomment

Today is the first day of hurricane season, but it may also mark the last day of a hardening reinsurance market. While market discipline was very impressive in January, it has started to wobble in May. A month ago, I would have said pricing would remain flat to up next Continue Reading

Category: Entries

Is Embedded Insurance Bad For Insurers?

Posted On May 25, 2023May 25, 2023 By Iancomment

Last week I wrote about the premise of embedded insurance and why I feel, in most cases, it does not benefit the consumer. This week I am back to write how it’s also a bad idea for the insurers! Why? Because you are doomed to be a commodity provider. Dumb Continue Reading

Category: Entries

Is Embedded Insurance Bad For Consumers?

Posted On May 18, 2023May 18, 2023 By Ian3 Comments

I’ve been meaning to write about embedded insurance for some time. Embedded insurance is everything that is wrong with the startup approach to insurance. Rather than look at things from the consumer’s perspective and ask how it helps them, embedded looks at things from the insurer’s perspective: how can we Continue Reading

Category: Entries

What’s The Biggest Risk To Banks? Non-Banks Acting Badly

Posted On May 11, 2023May 11, 2023 By Iancomment

I see so much confusion out there about the banking troubles. This perception that any bank who didn’t receive a bailout 15 years ago is in trouble is so misguided. Or that social media makes bank runs more likely. Or that duration is suddenly a bigger risk than credit. So Continue Reading

Category: Entries

Sell Your Berkshire Before It’s Too Late

Posted On May 1, 2023May 1, 2023 By Iancomment

This coming weekend is the annual Berkshire shareholder meeting, aka “Capitalist Woodstock”. However, like the other Woodstock, it’s been a long time since anything meaningful happened. While Warren is obviously an unparalleled success as an investor, I think even he would admit the annual letters and meetings over the last Continue Reading

Category: Entries

The Case For Dynamic PML Limits, Revisited

Posted On April 20, 2023April 20, 2023 By Ian2 Comments

The very first topic I wrote about when I launched the blog was catastrophe risk management. In the original post, I made the case that a company’s cat risk tolerance should be a function of market conditions and their capital position, not just a measure of amount at risk such Continue Reading

Category: Entries

How to Allocate Risk Assets In A Post Free Money World

Posted On April 13, 2023April 13, 2023 By Iancomment

Continuing my thoughts on how the end of the Financial Repression Era changes the rules…this week is for the CIOs out there, whether at insurance companies, pension funds, family offices, etc. How do you need to think about risky asset classes differently now that there is, once again, a cost Continue Reading

Category: Best Of/Entries

The Revenge of the Balance Sheet

Posted On April 4, 2023April 10, 2023 By Ian3 Comments

I’ve been building up to this piece for a while now. It’s a little bit like the end of the season episode where you get the payoff for the various plotlines. Today I’m going to tie together all my skepticism of MGAs, my views on overvalued brokers, the importance of Continue Reading

Category: Entries

The Hare Who Started A Bank Run

Posted On March 23, 2023March 23, 2023 By Iancomment

I really thought I was done writing about the Hare, but then I realized it was directly relevant to the Silicon Valley Bank (SVB) disaster. As a brief refresher, I wrote during the height of the insuretech boom how the Lemonades of the world tried to win the startup race Continue Reading

Category: Entries

Bankrupting Bank Shareholders Is Bad For America

Posted On March 15, 2023March 15, 2023 By Ian3 Comments

Editor’s Note: Before we get into the big topic, some of you may be expecting my NCAA picks. Unfortunately, I have no time for that right now, but I will share with you my old guide on that for reference as well as the link to the public pick’s you Continue Reading

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  • Hurricane Season Begins, The Hard Market Ends
  • Is Embedded Insurance Bad For Insurers?
  • Is Embedded Insurance Bad For Consumers?
  • What’s The Biggest Risk To Banks? Non-Banks Acting Badly
  • Sell Your Berkshire Before It’s Too Late
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