The Paradox of Water Management: Insights from Cadillac Desert and Their Implications for Flood Risk and Insurance
Over the Thanksgiving holiday, I had the fortune to catch up on my reading. Marc Reisner’s Cadillac Desert: The American West and […]
AI is Eating Insurance: How Artificial Intelligence is Transforming Commercial Lines
In 2011, Marc Andreessen famously declared that “software is eating the world,” predicting how digital technology would transform nearly every industry. Today, […]
From Data Overload to Strategic Advantage: How Insurers Can Lead the Next Era
The role of data in insurance has evolved from a supportive tool to a core driver of transformation. Joe Zuk, Operating Partner […]
Beyond the Balance Sheet: The Global MGA Revolution and the New Infrastructure of Insurance
By Joe Zuk The insurance industry has long been defined by its balance sheets. Capital ratios, statutory surplus, AM Best ratings—these were […]
The MGA Revolution Goes Global: Why Platforms, Talent, and Capital Are Reshaping Insurance Across the U.S., Canada, U.K., and Europe
By Joe Zuk The managing general agent (MGA) is no longer just a U.S. story. What started as an entrepreneurial entry into […]
Beyond Automation: Is Your Next Best Underwriter an AI Co-Pilot?
Remember the image of the seasoned underwriter? Decades of experience, sharp intuition, and an almost sixth sense for risk. For years, the […]
Fronting Carriers at a Crossroads: Growth, Fragility, and the Next Frontier
By Joe Zuk Fronting carriers have quietly driven the MGA revolution—supporting entrepreneurial underwriting teams with scalable, regulated paper while giving reinsurers access […]
A Market Matures: MGA Expansion, Capacity Shifts, and the Next Phase of Discipline
By Joe Zuk The MGA market has officially entered its next chapter—no longer an insurgent force, but a maturing cornerstone of the […]
Mind the Gap: Why the MGA Talent Shortage is the Industry’s Next Big Risk
By Joe Zuk In an industry centered on assessing and pricing risk, the most noticeable blind spot in today’s MGA boom might […]
From $50B to a Powerhouse: The Rise of the E&S Market and What Comes Next
The U.S. Excess & Surplus (E&S) lines market has quietly become one of the most dynamic and resilient segments of commercial insurance. […]
Stop Collecting Data. Start Building an Ecosystem
For the last decade, the mantra in insurance has been “data is the new oil.” Carriers have rushed to accumulate vast reserves […]
The Underwriter and the Algorithm: A Story of Trust, Not Takeover
For decades, the most valuable tool in an underwriter’s kit was their gut. It was that hard-earned intuition, honed over thousands of […]