Praedicat首席执行官Bob Reville:如何建立责任模型

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播客

鲍勃·雷维尔(Bob Reville)于2011年创立了Praedicat,该公司随后继续创建一种最可靠的模型来理解新兴风险。

这个想法源自一个研发项目,Praedicat现在使用数据科学和AI为一些世界上最大的保险公司和全球投资者生产产品。

Praedicat最近完成了在劳埃德实验室(Lloyd's Lab)队列3中的工作,马修(Matthew)发现了他们如何帮助保险人和其他人管理大规模责任风险,监管的影响以及新一轮诉讼问题对保险人的威胁。

InsTech London播客由Insurance Insider提供支持,InsurTech Insider向我们的听众提供免费副本。您可以从insuranceinsider.com下载最新一期。

这里 播客57。它在iTunes上也可用, Spotify豆豆.

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此播客的字幕

00:00 Bob Reville: And you'绝对正确。它'这是一个更具说服力的案例,能够进入保险公司并说:"我们可以帮助您将业务规模扩大一倍甚至更多。"

[音乐]

00:15 Matthew Grant:欢迎来到InsTech London播客。马修·格兰特(Matthew Grant)在这里和这周,我们接受了Praedicat首席执行官兼创始人鲍勃·雷维尔(Bob Reville)的采访。如今,尽管过去几年保险技术初创企业激增,除了网络之外,仍然很少有可靠的产品来应对无形风险,这些无形风险如今代表着公司资产的价值要比有形资产高得多。

00:40 MG: I'自从Praedicat于2011年成立以来,他就已经认识鲍勃,这是RAND组织的一部分。从那以后,他们've建立了应对新兴风险的最可靠模型之一,并与一些最大的保险公司合作。他们'在加利福尼亚和伦敦设有办事处。在录制时,Praedicat在劳埃德车队中排名第三'和其他人一样'谈到,似乎在那里度过了非常成功的时光。鲍勃's calling in by phone, so a bit of cracking in places, but some great insights into how to build a liability model.

[音乐]

01:17 MG: Bob, welcome to the InsTech London podcast. You are often over in London, but we'在你说话的时候'在加利福尼亚,虽然我'不得不说,听起来像你'重新在隔壁房间。所以's the joys of the transatlantic communications.

01:31 BR:嗯,很高兴来到这里。谢谢您的安排。

01:33 MG: Great. Well, we'彼此认识,我想大概是八年了,甚至在您于2012年开始使用Praedicat之前。'重任首席执行官。我想听听一点关于你的事'与责任模型有关,您'现在也重返劳埃德's,但对于那些不喜欢的人,您能提供一点背景知识吗't know you 和 don'不了解Praedicat,关于您自己的背景,然后您了解什么're doing at Praedicat.

01:56 BR:我是一名经济学家,我曾经在RAND Corporation工作,该公司是加利福尼亚的一家非营利性智囊团,Praedicat摆脱了R&我们使用RMS进行的D项目,这是您和我遇到的方式。我们正在努力找出如何提出预测下一个石棉的方法,但是将其变成一个系统,使保险公司可以围绕大规模负债风险管理其汇总。所以有点像猫建模的方法。因此,'s what Praedicat is.

02:37 BR: We'制定责任风险模型。我们'从最初的Cat建模转变为围绕责任风险科学进行更广泛的建模。意思是什么...科学如何告知未来的责任风险,'变成了我们的产品're selling not just to insurers, but also to global industrials.

03:03 MG:那么,您在保险业中发现的客户有什么问题呢?他们发现您要他们帮助您解决什么问题?

03:12 BR:好吧,最初,我们认为问题只会是聚合管理的问题。因此,在2000年代,当我们再次与RMS合作时,我们正在研究恐怖主义保险问题,那时我才意识到巨灾建模的整个方法,以及它如何帮助保险公司避免了破产的风险。与自然灾害相关的巨大关联。同时,我们在美国进行了许多有关石棉诉讼的工作,并开始考虑如何通过类似的模型来解决石棉产生的所有破产问题。就像猫的财产一样。

04:01 BR: So our idea was that the problem that we were going to be solving was aggregation management, 和 all of the things that go along with that; maybe setting cat loads 和 things like that. But I think, over time, we'我们已经意识到,该行业对另一种石棉的潜在威胁的反应方式已经使他们'd说,要规避风险,并采取排他性的心态。因此,有一种趋势,当出现新的风险时,要设法避免它们而不是设法弥补它们。然后'导致了较大的覆盖缺口,因此与'例如,在1970年代,1973年,美国94%的责任风险由保险承担,而今天'下降到大约55%,而这仅是由于较高的保留率,增加的排除率以及相对于收入增长的较低限额所导致的,通常来说,所提供的承保范围减少了。因此,我们越来越're focused on that problem rather than just the aggregation management problem.

05:21 MG: So it'这实际上是围绕提供新信息,然后让承销商确信该信息足以做出决策的整个主题。我猜是什么'对你特别感兴趣're doing, is it'实际上是开放的,或者我想重新开放他们不是的业务类别't写作或曾经写过。但是,在人方面,您是否也在寻找'对这些领域的担忧,我是说真的'由于人们受到石棉损失的严重影响已有很长的时间了,但是除非's been a really large recent loss, people tend to get a little bit either complacent, or they sort of forget these large losses happen, so you have to sort of re-educate them as well on the scale 和 types of losses that can be out there?

06:00 BR: Well, you know, that was definitely true in 2012, when we started. I'd说,在我们开始的最初几年中,我们将谈论我们如何试图帮助该行业处理下一次石棉类型的诉讼,并且有人对我们说,"那'真的不再是问题了。我们不'在美国再也看不到这种诉讼了。我们'我真的很担心诸如深水地平线或火车残骸之类的事情。" And so, others, of course, thought that it was just a matter of time.

06:00 BR: And as it'事实证明,我认为那些只是时间问题的人是对的,'cause today you'看到新出现的一波全新的人身伤害大规模诉讼浪潮。您'在Roundup重新看到它,而您'重新与约翰逊见&约翰逊和滑石粉,还有你'通过阿片类药物诉讼再次看到了这一点,我认为这实际上可能在石棉范围内,而您'在PFAS诉讼中再次看到了这一点,头部反复受伤。它's almost the '70s 和 '80s all over again.

MG 07:10 MG:我想您在那儿说过PFAS。我没听错吗?

07:12 BR: Yeah, PFAS. 那's全氟和多氟化学品。这就是铁氟龙和...这样的东西,PFOA,PFOS以及多年来为之开发的所有替代品,它们're now calling them the Forever Chemicals, which tells you all you need to know about the risk.

07:31 MG:对。

07:32 BR:他们不会消失。

07:33 MG: Yeah, got it. Okay, good. Another insurance acronym to add to the list, the PFOS. And so, I guess this is really interesting. So these are kind of emerging threats. How does that sort of work in terms of the point to which people shift from not taking it seriously, to get starting to taking it seriously but there still hasn'损失不大了吗?您是否看到一种触发点,突然之间,公司感到担忧,因此's insurance opportunities, 和 therefore insurers start to see opportunity in there, or is it more of a kind of slow change, an incremental change?

08:08 BR: Well, The nature of liability risk is that it tends to be slow 和 incremental. When you cover something, the losses actually probably won'可以在五年左右的时间内得到支付,并且如果您承保了某项...……它在责任保险中的运作方式(如果您是按发生的基础进行承保),这意味着发生损失的时间而非提出索赔的时间,实际上,您可能需要20到30年才能支付保单年度're writing right now. And so yes, everything tends to move relatively slowly.

08:40 BR: But that said, when you'看到大量损失,我的意思是孟山都-拜耳草甘膦的损失可能会非常巨大,而且还有许多其他公司也在销售该产品。和滑石粉是一样的。您've got the Johnson &约翰逊损失,但滑石粉是一种化妆品成分,'也被许多其他公司使用,因此's a lot of concern there. And then opioids. 那 one is definitely leading to a lot of concern for, not just the pharmaceutical companies, which tend not to be covered, but for the distributors 和 retailers. McKesson, AmerisourceBergen 和 the Rite Aid, 和 CVS, 和 the like. All of those are being sued right now, 和 are accruing defence costs, 和 where there'担心周围可能会有更大的损失。如此大规模的条款,我'm sorry, large-scale clash is definitely emerging as a risk in liability, for bodily injury-type or public health-type litigation.

09:56 MG: Are you focusing mostly on the sort of known risks, so all the things you categorized as emerging risks, seeing some trends, mitigation or are you also able to model, in some way, the unknowns that are kinda lurking in the background 和 not yet kinda made the headlines, but you'重新开始看到趋势,或者他们've got characteristics that could lend themself to become larger losses?

10:22 BR: Well, definitely not the known knowns, because that is not terribly useful to our clients who have already written the known knowns. What you want to try 和 do is to get the... Well, we actually... Because you'重新参考旧的拉姆斯菲尔德,已知的已知事物,未知的未知事物,未知的未知事物。因此,我认为人们一直认为责任充满了未知的未知数,我们的整个方法是利用科学文献对企业经营状况和产品的评价,将未知的未知数转化为已知的未知数。他们're selling, 和 try 和 catch the risk at the earliest possible stage, when the scientific literature first starts to emerge, 和 then to, as those literatures evolve into what will eventually be a scientific evidence base, if it ends up in litigation, we are mining the literature progressively to try 和 understand all the exposure settings, 和 to understand the populations that are exposed, 和 turn that into, essentially, a simulated mass litigation. And so, for Roundup, for instance, 和 for talc, 和 all the PFAS chemicals, we were tracking them in 2013, when we created our first release of the software, 和 none of them were seeing real litigation at that time. And the whole point is to try to get at it early.

MG 12:00:有趣。我在网站上看到,您正在扫描3000万本科学期刊,并对35,000家公司进行概要分析,因此您必须具有一些非常强大的分析功能,才能提取该数据,而且,我猜想,还有从中实际提取非结构化数据的方法期刊也是如此。

12:17 BR:是的。因此,我们正在搜索所有已发表且经过同行评审的科学文献,以寻找科学家认为可能会导致人身伤害,财产损失或环境破坏的化学物质,产品或商业惯例。因此,我们从此开始。我们尝试尽早捕获期刊文章,然后将文章连接到文献中,然后在实质上成为科学证据时跟踪这些文献。

12:49 BR:然后,与此同时,当我们开始挖掘那些文献来描述承受该风险的工业足迹时,我们将其转化为公司简介,以了解处于该足迹中的公司。然后,这两个建模工作,曝光建模工作和……嗯,所以我应该说这是科学证据建模工作,然后是公司曝光建模工作。从本质上讲,我们首先与专家合作,整理数据,然后随着时间的推移,将所有这些数据转化为训练数据,这些数据将提供机器学习算法,从而使我们可以获取多达数百万种期刊文章,以及数十种数以千计的公司。

13:42 MG: So a lot of companies claim to have AI. It sounds like, you [chuckle] actually... You do have AI, 和 you need it, 和 you'重新证明您可以使用它。我只是...我'我有点感兴趣,只是仔细考虑了保险人将如何使用您的工具。他们是从一家公司开始吗'重新寻求保险,然后他们将该公司纳入模型,然后得出某种风险情景和定价?一世'm trying to realize, is it analogous to how catastrophe models work? Or is it just something different you have to do to get to the result?

14:15 BR: No, it'就是这样。因此,您将拥有一个承销商,接收提交或续订。然后您登录并找到该公司,然后您会首先看到250家代理商的文献足够大,'重新跟踪它们作为保险公司潜在的大规模尾巴风险。您'd发现,这家公司是否没有受到任何影响?到其中的50个?然后,所有这些都转化为我们根据超出概率曲线量化的信息。这样您就可以获得PML和TVaR。我们也将其转变为时间维度风险。所以'不仅...因此,关于赔偿责任的全部内容与财产环境不同,在财产环境中,您先写东西,然后再写'那年将是亏损。对于我们,您找到一家公司,他们're exposed to, let'比如说,综述'不仅会告诉你那里's some risk that there would be litigation for this policy year, but that there could be litigation in future policy years.

15:32 BR: Or if you write this year, there could be litigation that would be covered this year that might not emerge for a few years, or for that matter, if you have an insurer that has... You'过去20年一直在同一家公司写作,'s one of the... 那'责任保险中真正的难题。堆叠问题,实际上是您可以拥有20个保单年度的地方,所有这些都将被激活,因为您有一家公司将公众暴露于某种化学品长达20年,并且每个保单年度都可能最终付清。所以那里'这就是所有...所以,尽管如此,'d go in 和 you'd be able to see, not just the losses that could happen this year, but the full-time dimension of the loss that could emerge.

16:22 MG: Yeah, 和 it'令人着迷。是的,它'在另一个维度上,我想缺少一个更好的词,可能是那种更干净的猫迷 '我不太确定继续赠与的礼物是什么。但这听起来确实像是持续不断的痛苦...'d考虑您是否是责任承销商。那监管呢?因为那个's certainly another area, as you know, regulation often drives adoption. Are there other similar regulations in the liability space, or as sort of rating requirements for the companies.

16:50 BR: There is a growing amount of interest in the casualty aggregation risk. So, for instance right now, the PRA has an initiative around this, where they'重新尝试了解要进行汇总的风险敞口,然后考虑如何鼓励公司更好地对其进行管理。此外,评级机构也开始对此非常关注。 AM Best开始要求场景。百慕大金融管理局...哦,在监管方面,百慕大金融管理局已经开始要求赔偿责任,SMP对此非常感兴趣。我认为它'尚待时日,具体的内容将作为监管框架出现,但是对此有很多兴趣。我认为您也有偿付能力之后,随之而来的第一波监管便是​​财产,而且……从历史上看,事实上,与责任,储备不足和责任相关的破产可能比与NatCat相关联。其中很多与聚合风险有关,因此肯定会产生某种监管框架。但它'在某些方面这是一个更棘手的问题,因为这个时间维度问题's going to work, isn't clear yet. But it's these competing approaches that are emerging.

18:26 MG: Yeah, it'在采用方面,毫无疑问,这是大型企业的主要推动力,我希望它变得更加清晰,并且更具要求。只是谈论业务采用。我是说你've got... You'很有名,或者你'在这个特定的领域肯定是众所周知的,'似乎还有许多其他公司在做类似的事情。收养有很大的障碍吗?我们谈到了您浏览的3000万种期刊以及35,000家公司,'s something around the, just the rigour, 和 depth, 和 processing power of the analytics. But you... Why is it so difficult to get these things to a credible point as a model?

19:00 BR: I think that the idea of doing something that is exposure-based 和 forward-looking which is what we try to do. Forward-looking meaning, you can'只是对先前的大规模诉讼事件建模,因为这并不有趣。因为那些产品已经从市场上撤掉了,所以那些公司倒闭了。相反,你'我们必须尝试找出一些方法来做一些前瞻性的工作。然后,将其转换为公司数据。那里'经过Praedicat多年的投资,'s ...技术创新。我们'正如您所指出的,我们必须开发一种AI来实现此规模。因此,我认为这有点妨碍竞争。但这就是说,我们确实有竞争对手。他们采用不同的方法,经纪人也参与尝试建模和查看该领域的风险敞口。所以没人'完全按照我们的方式来做're doing it, but there are others.

20:07 MG: Yeah, well that’s healthy. It'总是很高兴知道那里's other competitors out there, otherwise you sometimes wonder why you do it.

20:13 BR:是的,完全正确。

20:14 MG:您能谈谈与您合作的一些客户吗?

20:16 BR: Yeah. Well, we'与10家最大责任保险公司中的7家进行了合作,并且我们与18家保险公司和再保险公司进行了合作,并且我们现在还与一些全球性行业合作。因此,实际上,到今年年底,'大约有10个全球工业企业。这些是大型化学公司 're also working with, 和 that area is pretty fast-growing, so I actually expect next year we might end up, maybe about mid-year, having more global industrial clients than insurance 和 reinsurance clients, which will be interesting.

20:56 MG: Are they coming to this because they'希望改变或减少购买的保险,或者有其他不同之处's driving their interest?

21:05 BR: Well, this AI as you call it, that we have developed, this ability to read through scientific journals. If you'一家化工公司,你've got, let's say, dozens or even hundreds of products, 和 you need to track the science that is looking at whether or not your products might be causing bodily injury or environmental damage, 和 it turns out to be a large scale issue that also has regulatory concern completely outside of buying insurance. Now, we do take an insurance-focused approach to it, which makes us different than a typical product stewardship. 那'他们所谓的产品管理。在典型的产品管理供应商中,我们'在我们采用的方法上,定量化要多得多,而更多地侧重于科学,而较少侧重于监管。我们确实希望最终将有助于促进更好,更有效的保险购买,但是'确实不是我们目前正在使用的音调。它's more just about, How do you stay on top of the risk? And how you make sure that you are doing the right thing by your customers, 和 the general public, 和 your workers.

22:21 MG: Yeah, it'一个非常强大的业务模型。那里'我能想到的公司很少,如果能做到,'在灾难建模世界中,为最终客户提供基本服务一直是一个挑战,而最终客户通常愿意'在购买保险时,他们有点想通过常规方式购买保险。因此,为了能够帮助他们理解这种风险,我想像您的情况一样,理解并解决法规问题,而且还要与保险合作。最终,您进入了一个非常强大的良性循环,以相同的方式评估风险,因此信息是一致的,最终每个人都赢了,'cause they're understanding the risk, 和 reducing it, 和 pricing it more effectively.

23:00 BR: Yeah, totally. I think part of the thing with liability is that, liability is the losses are not just what you end up paying in defence costs 和 indemnity. If there is a mass litigation against the company, then there'的声誉风险,有些产品被从市场上撤下,因此'的收入损失。现在没有人会说,他们唯一的代价'重新审理诉讼是他们付出的代价'重新支付国防费用。它'比这大得多。它'确实存在。因此,这么多损失不只是事实's covered by liability insurance, makes it something that these companies have entire functions built around trying to understand the risk, 和 then they are also buying insurance.

23:52 BR: I think that that insurance buying is... The liability insurance is a pretty blunt instrument at this point, 和 really is not capturing the texture of the risk for particularly large companies, 和 there'产品创新的范围很大,可以更好地帮助大公司管理此产品管理风险。花费很多'拥有与当下相关的保险,这些保险与试图以正确的方式做事有关,而如果不这样做,以后会导致责任。所以我'd say there'扩大覆盖范围以应对产品管理的巨大范围。然后's really where I see Praedicat making a big difference in the long run, is helping to facilitate better coverage for the set of risks that are associated with liability, but for which liability is only one small piece of it.

25:00 MG: Yeah. It definitely seems to be a theme now, I'在许多不同的地方都曾听到过这种声音,在这些地方,公司正在研究其资产负债表的总风险,并将传统上认为是保险的东西结合在一起,但是认识到很多损失后,他们发现'实际上不在保险范围内或无法保险,但最终他们需要弄清楚可能发生的真正重大灾难性事件在哪里,然后具有不同类型的保护措施,这可能与先前的赔偿保护类型有所不同到目前为止已被购买。所以'听到这很有趣'也从你这边经过。也许您可以谈谈如何访问客户?总部位于南加州,距离保险业甚至再保险业都需要很长的路要走。您刚刚加入了劳埃德(Lloyd)的最新队列's Lab so, How do you sort of find that balance, 和 what motivated you to join the Lab?

25:55 BR: It'天气真的让我留在了洛杉矶。它'不能接近客户。我们'我很高兴能成为同类群组三的一员,因为它无疑使我们能够与劳埃德进一步融合'市场,与伦敦保险公司总体上一样。它'仍然有很多面对面的文化,因此建立办事处并加入劳埃德's Lab, I think is going to be the key to help having people get comfortable with our modelling.

26:28 MG: Yeah, face-to-face but also, yeah, people take a while to understand new risks, 和 yeah, I think there'劳埃德的关注's. It'我们非常擅长成为难以在其他地方带来的风险的市场。但是人们...我能想到一位作家说,"正确的是这样的,他们'对分析风险的新方法有些怀疑。"因此,令人信服的人们总是相信新技术已经足够好,可以淘汰一些相当重要的生产线,这始终是挑战。有趣的事情之一,我不知道't know if you'我们专门遇到了这个问题,但是有了新产品创新工具,他们've launched in Lloyd's, which is intended to provide access to capital for, initially anyway, some sort of test cases.

27:10 MG: And it isn'一定是想将业务押注在它上面,但是要尝试其中的一些,这似乎很适合您'在你的某些领域做'重新审视一下,您可以在此处开始写一些行,使用一些创造性的方式,例如索引以及其他为风险定价或触发付款的非标准方式。但是您在该领域还是其他领域做了很多事情?'再见,在劳埃德'现在有点开放...现在开放比您面临的挑战更多've had trying to engage before?

27:39 BR: Yeah. One of the projects that we'在劳埃德(Lloyd)工作'实验室,是一种新命名的危险责任保险产品的开发。因此,该项目是我们正在与导师一起工作,并与市场上的其他人一起工作,以尝试确定劳合社可能提供的新产品的范围。'的市场涵盖了在大规模的大规模诉讼中,以指定的风险为依据的尾巴风险。这将使人们对模型感到满意,并了解市场的规模,所接触的公司,他们为什么'今天没有足够的保险,将所有这些都纳入业务计划,设计实际的产品,仪器等等。然后帮助将其也纳入我们软件的工作流程中。所有这一切都是我们的商业计划'重新发展,那'这是我们的主要举措之一。我认为'将会...我认为'将会很棒。这个主意...那里'人们对赔偿责任这个概念非常感兴趣,今天我几乎完全不承担赔偿责任 't know on an all-perils basis.

29:00 BR: But what that all-perils basis does is it ends up leading to a lack of coverage for things that are excluded from the... It'排除所有危险。所以那里'缺乏对所排除风险的承保范围,因此也不愿意提供尽可能多的限制,因为它们没有'不能完全了解他们的一切'重新覆盖。您不断从承销商那里得到的好处是,"我写这家公司的想法是,这就是风险,然后瞧瞧,这就是冒出来的损失。"因此,我们可以利用科学预测更多的将来可能发生的大规模诉讼,然后按风险承担最大的潜在损失。我们的反馈'从市场上得到的是'非常适合劳埃德's, 和 it'关于让所有人都熟悉这个概念,然后我们're hoping that that leads to the launch of an entire new approach.

30:01 MG:是的,不,这完全有道理。因此,举例来说,某种命名的危险可能将阿片类药物称为您可能命名的一种危险...某人可能会为其购买掩护。

30:09 BR: Right. Or ideally, if you had seen opioids before the fire started, before the house started burning, that would have been... 那 和 a set of other named perils, as an entire portfolio. Our idea is, you don'不想只写命名风险进行综述或阿片类药物。但是您希望能够考虑到在哪里还有其他25个看起来像阿片类药物的公共卫生问题,其中可能有3个将在未来引发诉讼。或在其他地方可能有50种其他农药,除草剂或其他农业化学品,而其中任何一种都可能成为下一次综述,但很可能大多数都赢了't。但是他们都有与之相关的科学,他们're all quantifiable.

31:01 BR: And they all can result in losses for certain companies that are above the level of their insurance today, or are directly excluded. And so being able to understand all that, 和 then cover it under a named-peril basis, will get people comfortable with offering more limit above what'目前处于危险状态。或者提供诸如电磁场之类的东西的报道,这是科学'真的完全支持那里的想法'未来手机会引起脑瘤,这将是很多诉讼。但它's,尽管科学已经远离它,但今天基本上已经涵盖了。因此,我们能够鼓励这种创新're spending most of our time doing these days.

31:46 MG: As you're talking, I'我以为你一定有点像A中的医生&E, you'重新看到所有可能发生的可怕事情,但是's kind of part of the day job, 和 you just have to keep going 和 hope that you can play a role, or Praedicat can play a role in highlighting the risks, 和 therefore encourage risk mitigation for those risks, yeah, despite the fact that, ultimately, they can become fairly unpleasant outcomes 和 lots [chuckle] of loss of costs associated with them.

32:11 BR: Well, a lot of stuff we do though is debunking, at the same time. So things like Diet Coke. A lot of people think, "哦,健怡可乐是...要杀了我。"同时,当我们研究健怡可乐中人造甜味剂的科学知识时,它对我们来说似乎是良性的,所以我们不'不用担心,随着时间的流逝...最初的时候...当你'重新接触到我们所做的事情,这里的每个人都有这个最初的反应,"哦,我的上帝,在那里'食物,环境中有太多可怕的东西,还有... " Particularly if you have young kids, a lot of us 这里 have young kids, 和 so you... A lot of science these days is around how environmental chemicals 和 other types of products are causing developmental issues. So you get really nervous, but then over time, you kind of realize that, first of all, that you really just gotta think about the world like an underwriter should think about the world. 那 you can take on almost all these risks. You just have to not have too much of it, so you avoid your aggregations. And then also, you get to think... To find that the science around things like coffee, which is what fuels all of us 这里, is increasingly positive. It actually has health benefits, 和 when they used to think, it caused cancer, all the science no longer supports that.

33:39 MG: You'已经有一段时间了。什么'你对什么的看法's happening in this whole insurtech area?

33:45 BR: In the insurtech world, there is just as much of a pressure almost, for us as an insurtech company to be an insurer, as there is for the insurers to become tech companies. It'技术与保险之间的融合将我们推向两个方向,'很有趣。我不't know where it'所有人都会为我们震动,但这's definitely interesting.

34:08 MG: It'真的很有趣,哪些公司在做像您这样的事情,在哪里'实际提供新的解决方案来应对新的风险,或者使您先前的观点如何'人们承担责任的方式已经发生了转变。是的,人们不再能忍受的所有风险。您'如果您可以去找一家保险公司说:"I'我们提供了一些工具,可以帮助您承销更多业务并增加收入。"而不是,"我想告诉你所有与你相关的风险'重新编写,您本可以花更多的钱来了解您的处境如何,以及与此相关的所有成本和困难。"是的,我认为'如果可以与市场合作,尤其是所有谈论无形风险的人,那么您肯定会成为更成功的公司之一're a big part of being able to sort of figure out how to analyze these intangible risks.

34:55 BR: Just to follow up on that, I mean when I described the fact that we've become more focused on addressing this coverage gap, rather than on just helping manage aggregation risk. 那 coverage gap is about 75 billion dollars annually, that'在美国的责任保险中没有发现。然后's ...只是尝试回到1970年代的保险业,但是如果做对了,以管理集合体的方式来做,那么750亿美元的增长机会是巨大的。然后'不用说根本没有被责任涵盖的其他风险,也就是我之前描述的另一种产品管理风险。你呢'绝对正确,它'能够进入保险公司并说:"我们可以帮助您将业务规模扩大一倍或更多,同时,可以通过以下方式帮助您'可持续盈利,这与当今责任保险的运作方式不同。" 那's why we'我们变得更加关注覆盖范围的差距,而不仅仅是聚合管理,因为它's definitely a much more compelling pitch.

36:17 MG: Well Bob, it'抽出一些时间很棒。我希望我们在您见面时能面对面'在某个时候重返英国。而且'd最好在将来的某个时间办理登机手续。来到实验室后,看看情况如何,是的,让's see how that's worked for you.

36:29 BR: Sounds great. Definitely, I'下次我会告诉你'm going to be there.

[音乐]

36:36 MG: You can find more episodes, featuring others in the Lloyd'在早期录音中的实验室,还有更多。现在,InsTech London播客继续得到Insurance Insider的支持,我们'很高兴为您提供免费的发行。详细信息在情节注释中。如果您想了解更多关于我们的一切're up to at InsTech London, then the best thing is take a look at us on www.ludainc.com 并随时通过LinkedIn或与我联系 matthew@instech.london 告诉我们您的想法。

这里 播客57。它在iTunes上也可用, Spotify豆豆.
 

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