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There’s a moment that comes very early on when you step into a portfolio, often within the first few days, where you can feel whether the organisation is genuinely in control or simply comfortable. It’s rarely about the numbers. Loss ratios, premium growth, claims trends and dashboards all matter, of course. But they’re not where I start. In fact, they can be actively misleading in the early stages. Well-presented numbers can mask uncertainty just as easily as poor ones can e

Across the insurance world, the conversation about underwriting innovation is increasingly dominated by automation, algorithms and AI. The promise is seductive: faster quotes, cleaner data and instant decisions. Yet in practice, the future of underwriting won’t be machine-driven; it will be machine-accelerated and human-led. Technology can process, prioritise and predict but only people can interpret, balance, and decide. In the Pacific and other emerging markets, that bala

Every insurer wants to be more efficient. Most start by asking: “How do we quote faster?”  or “Where can we automate?”  But true efficiency doesn’t begin with process - it begins with perspective. You can’t improve what you can’t see. And too often, underwriters are flying blind to the portfolio patterns sitting just beneath their feet: pockets of adverse selection, brokers driving concentration, regions creeping past tolerance or wordings that no longer match risk appetite.

The insurance industry is in love with the language of innovation. Every conference, every white paper and every panel seems to point to AI, automation, or data science as the saviour of underwriting. But for most mid-sized insurers, MGAs and mutuals, the road to innovation doesn’t begin with a new system; it begins with structure. Innovation is Nothing Without Alignment Underwriting innovation isn’t about building a new workflow. It’s about rebuilding alignment . When appeti

In today's insurance environment, growth alone isn't enough - sustainable, profitable growth is the absolute benchmark. Yet many insurers and MGAs only realise too late that their portfolio profitability has started to erode. At Storm Strategy, we work with insurers across the Pacific, Australia, and Southeast Asia to optimise portfolios - and time and again, we see the same early warning signs that indicate a portfolio needs urgent attention. Here are five critical signals t

The best-performing portfolios aren’t always the most aggressive - they’re the most consistent. When people hear 'governance' they think...

Underwriting is not just a technical discipline; it’s a strategic one. In the race to grow premium and meet top-line targets, it's easy...

In today’s insurance environment, a healthy portfolio isn’t just about growth - it’s about sustainable, profitable growth. Here are a few...

Spreadsheets are neat. Underwriting isn’t. You can model loss cost, apply hazard weights, segment by trade and create beautiful pricing...

Why the best-performing portfolios aren’t always the most aggressive, they’re the most consistent. When people hear “governance,” they...

Hiring a consultant can be a smart, strategic move. Whether you're bringing in extra capacity, accessing specialist skills or needing a...

There’s a reason the big players invest in exposure tracking, governance frameworks and strategic portfolio oversight. It’s not just...

In a fast-changing insurance landscape, underwriting governance is no longer just a compliance issue - it's a competitive advantage. At...

Brokers are essential. They know the market, bring the volume and can shift your GWP in a quarter. But over time - without meaning to -...

The MGA sector is booming. With nimble operating models, specialist knowledge and deep broker relationships, MGAs are reshaping the...

Every insurer hits turbulence. A natural disaster. A merger. A boardroom shakeup. Or just the slow chaos of trying to deliver...

Every insurer hits capacity pressure. • A key project collides with BAU. • A strategic priority gets bumped down the list again. • A...

In today's insurance market, exposure tracking isn't just a concern for global giants. It's also critical for small and mid-sized...

Most insurers have a plan. They’ve defined target segments. They’ve issued underwriting guidelines. They’ve rolled out new pricing tools....

We’ve never had more data at our fingertips. Pricing models are more sophisticated. Exposure reports can drill down to the square metre....