top of page
Search
All Insights


Human-Led Future: The Future of Underwriting
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

Robin Storm
Oct 242 min read


See the Portfolio: The Missing Link in Underwriting Efficiency
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.

Robin Storm
Oct 222 min read


Discipline Before Data: Where Underwriting Innovation Starts
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

Robin Storm
Oct 202 min read


Before Profitability Breaks - Five early warning signs your portfolio profitability is at risk
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

Robin Storm
Oct 152 min read


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

Robin Storm
Sep 161 min read


Underwriting with Intent - Aligning underwriting with business strategy
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...

Robin Storm
Sep 162 min read


Time for a Tune-Up? Signs your portfolio needs optimisation
In today’s insurance environment, a healthy portfolio isn’t just about growth - it’s about sustainable, profitable growth. Here are a few...

Robin Storm
Aug 121 min read


Experience versus Spreadsheets - What real world experience teaches you
Spreadsheets are neat. Underwriting isn’t. You can model loss cost, apply hazard weights, segment by trade and create beautiful pricing...

Robin Storm
Aug 51 min read


Underwriting Governance: The Secret Weapon for Sustainable Growth
Why the best-performing portfolios aren’t always the most aggressive, they’re the most consistent. When people hear “governance,” they...

Robin Storm
Aug 51 min read


Managing the Outsider - Getting the most value from short term expertise
Hiring a consultant can be a smart, strategic move. Whether you're bringing in extra capacity, accessing specialist skills or needing a...

Robin Storm
Aug 52 min read


Scaling Down Not Up - What smaller insurers can learn from the big end of town without copying it
There’s a reason the big players invest in exposure tracking, governance frameworks and strategic portfolio oversight. It’s not just...

Robin Storm
Aug 52 min read


Frameworks over firefighting - Building a modern underwriting authority framework
In a fast-changing insurance landscape, underwriting governance is no longer just a compliance issue - it's a competitive advantage. At...

Robin Storm
Jul 82 min read


Control with Trust - How to monitor broker influence without micromanaging
Brokers are essential. They know the market, bring the volume and can shift your GWP in a quarter. But over time - without meaning to -...

Robin Storm
Jul 81 min read


From Binder to Builder - Why smart MGAs invest in underwriting strategy & portfolio health
The MGA sector is booming. With nimble operating models, specialist knowledge and deep broker relationships, MGAs are reshaping the...

Robin Storm
Jun 162 min read


Calm in the Storm - Lessons from crisis, claims & change in the insurance industry
Every insurer hits turbulence. A natural disaster. A merger. A boardroom shakeup. Or just the slow chaos of trying to deliver...

Robin Storm
May 221 min read


Plug In & Play - Ready to step in when you're stretched thin
Every insurer hits capacity pressure. • A key project collides with BAU. • A strategic priority gets bumped down the list again. • A...

Robin Storm
May 221 min read


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

Robin Storm
May 222 min read


Lost in Execution - When strategy, underwriting & execution are out of sync
Most insurers have a plan. They’ve defined target segments. They’ve issued underwriting guidelines. They’ve rolled out new pricing tools....

Robin Storm
May 142 min read


Trusting Your Gut - The numbers say one thing but your gut says another
We’ve never had more data at our fingertips. Pricing models are more sophisticated. Exposure reports can drill down to the square metre....

Robin Storm
May 142 min read


Navigating Change - Change is constant but the basics stay the same
Our industry has a lot of talk about disruption, digital tools and transformation. And don’t get me wrong, I’m all for it. But in my...

Robin Storm
May 142 min read
bottom of page