Praedicat首席执行官Bob Reville:如何建立一个责任模式

Twitter图标
Facebook图标
linkedin图标
播客

Bob Reville于2011年成立了Praedicat,公司已经继续为理解新兴风险创建最可靠的模型之一。

该想法诞生于研究和开发项目,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构建产品。

Praedicat最近在Lloyd的Lab Cohort 3完成了它的时间,Matthew发现他们如何帮助保险公司和其他人管理大规模责任风险,监管的影响和对来自一股新的诉讼问题的保险公司的影响。

Instech伦敦播客得到了保险内幕支持的支持,他提供了我们的听众免费副本。您可以从InsurantsInsider.com下载最新问题。

这里 播客57.它也可以在iTunes上提供, Spotify.讲话.

................................................ ................................................

此播客的成绩单

00:00 Bob Reville: And you'绝对正确。它'是一个更引人注目的案例,可以进入保险公司并说,"我们可以帮助您加倍您的业务的大小,或更多。"

[音乐]

00:15 Matthew Grant:欢迎来到Instech伦敦播客。 Matthew Grant在这里和本周,我们接受了与Praedicat的鲍勃·雷维尔(Bob Reville)的采访。现在,尽管在过去几年中,除了网络中的保险技术初创公司,但除了网络时,还有很少有很少的人在那里仍有很少的产品,用于解决今天代表公司资产价值的无形风险,而不是物理资产。

00:40 MG: I'从Praedicat成立以来,已知的鲍勃是2011年,作为兰特组织的旋转。从那以后,他们'在新兴风险中建立了最可信的模型之一,正在与一些最大的保险公司合作。他们'在加利福尼亚和伦敦的办公室。在这个录音时,Praedicat在Lloyd的第三个队列中'L实验室,就像其他人一样'说过,它似乎在那里非常成功。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'实际上在你虽然说话'在加利福尼亚州,虽然我'得要说,听起来像你'在隔壁房间里。所以's the joys of the transatlantic communications.

01:31 BR:嗯,很高兴在这里。谢谢你安排这个。

01:33 MG: Great. Well, we'彼此了解,我想八年,甚至在2012年开始前往Praedicat之前。所以,你'重新首席执行官。我想听听你的一点点'与责任造型进行操作,而且您'现在还在劳埃德的队列'S,但你能给唐人那样给一点背景't know you and don'T知道Praedicat,关于你自己的背景,然后是你的're doing at Praedicat.

01:56 Br:我是一个经济学家,我曾经在兰德公司工作,这是加利福尼亚州的非营利性智囊团,普拉迪卡出来了一个r&D项目我们用RMS做的,这就是你和我遇到的。我们正在努力弄清楚如何提出预测下一个石棉的方法,而是将其转化为一个系统,以便保险公司围绕大规模责任风险管理其汇总。所以,一种猫建模的方法。等等,那's what Praedicat is.

02:37 BR: We'VE开发的责任风险建模。我们'从最初,从事猫建模,在责任风险科学上做出了一些更广泛的造型。意思是什么......科学如何通知未来的责任风险,以及它'S转化为我们的产品're selling not just to insurers, but also to global industrials.

03:03 MG:具体而言,您发现您的客户在保险业中有什么影响......他们发现您发现的问题是在找到他们要求您解决问题的问题?

03:12 BR:最初,我们认为问题将只是汇总管理的问题。因此,在2000年代,我们再次与RMS合作,我们正在努力恐怖主义保险问题,这是我意识到灾难性建模的整个方法,以及它如何帮助保险公司避免来自的破产与自然灾难相关的巨大相关性。与我们在美国的同时做了很多工作,并开始考虑如何通过类似种类的建模来解决石棉出现的所有破产问题如属性猫所存在的。

04:01 BR: So our idea was that the problem that we were going to be solving was aggregation management, and all of the things that go along with that; maybe setting cat loads and things like that. But I think, over time, we've意识到行业对另一个石棉的潜在威胁的方式导致他们造成了'D说,有点风险厌恶并采用排他性心态。因此,当新风险出现时,避免它们而不是试图覆盖它们。然后'S导致了一个大的覆盖范围,以便今天相比,让'Say,1970年代,1973年,94%的美国责任风险被保险覆盖,并通过今天'落在55%左右,除了较高的保留,额外的排除,相对于收入增长的额外,较少的所有这些都是一般的,只是一般来说,所提供的覆盖量的收缩。所以,越来越多,我们're focused on that problem rather than just the aggregation management problem.

05:21 MG: So it'在提供新信息的整个主题的真实一部分,然后给予承销商信心,这种信息足以做出决定。我猜是什么'对你来说特别有趣're doing, is it'实际上开放,或者我猜他们仍然是他们逃避的重新开展业务'写作或本来会写过。但是,在人们方面也在找到'对这些领域的担忧,我的意思是'很长一段时间,因为人们因石棉损失而受到显着影响,但没有一种情况,否则否则'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 and 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在我们开始后的前几年比较说,我们会谈谈我们如何努力帮助行业与下一个石棉类型诉讼和一些人对我们说,"那'真的不再有问题了。我们不'在美国看到这种诉讼。我们'重新担心深水地平线或火车残骸,或类似的东西。" And so, others, of course, thought that it was just a matter of time.

06:00 BR: And as it'事实证明,我认为那些认为这只是时间问题的人是对的,'cause today you'再见新兴,一系列新的身体伤害大规模诉讼。你'用圆润和你看它'与约翰逊看到它&约翰逊和滑石,和你'与我认为可能在石棉的规模上的表述诉讼中看到它,你和你'通过PFAS诉讼,重复性头部伤害再见。它's almost the '70s and '80s all over again.

07:10 MG:我觉得你在那里说了PFAS。我听到了吗?

07:12 BR: Yeah, PFAS. That'S全氟化和多氟化学品。所以这就像Teflon一样,......所以PFOA,PFOS和多年来为此开发的所有替代品,而且它们're now calling them the Forever Chemicals, which tells you all you need to know about the risk.

07:31 mg:右。

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'T还有一个很大的损失?你是否看到了一种突然,公司担心的触发点,因此's insurance opportunities, and 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 and incremental. When you cover something, the losses actually probably won'T支付了五年左右,如果你涵盖了一些事情......它在责任保险中工作的方式,您在发生的基础上覆盖它,这意味着损失发生时,而不是索赔时,它实际上可以在您支付您的政策年份之前的20年,30年're writing right now. And so yes, everything tends to move relatively slowly.

08:40 BR: But that said, when you're看到大量的损失,我的意思是monsanto-bayer glyphosate损失可能会非常重要,而且还有许多其他公司也销售该产品。滑石是同样的方式。你've got the Johnson &约翰逊损失但滑石是一种化妆品成分'S的许多其他公司也使用了'很多人都在那里。然后是阿片类药物。这一点绝对是对不仅仅是制药公司的关注,而不是制药公司,这往往不会被涵盖,而是为经销商和零售商提供。 McKesson,AmerisourceBergen和Rite Aid,以及CVS等。所有这些都是被起诉的,并且正在施加国防成本,以及那里的地方'担心,周围都有更大的损失。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 and not yet kinda made the headlines, but you'刚开始看到趋势,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 and do is to get the... Well, we actually... Because you'重新参考旧的Rumsfeld,已知已知的知名,已知未知数,未知的未知数。所以,我认为人们一直认为充满了未知未知的责任,我们的整个方法是尝试将未知的未知数变为已知的未知数,使用科学文学在于对业务所做的事情以及什么产品他们're selling, and try and catch the risk at the earliest possible stage, when the scientific literature first starts to emerge, and 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 and understand all the exposure settings, and to understand the populations that are exposed, and turn that into, essentially, a simulated mass litigation. And so, for Roundup, for instance, and for talc, and all the PFAS chemicals, we were tracking them in 2013, when we created our first release of the software, and none of them were seeing real litigation at that time. And the whole point is to try to get at it early.

12:00 mg:有趣。我在网站上阅读,你正在扫描3000万科学期刊和分析35,000家公司,所以你必须有一些相当强大的分析,能够提取那个数据,我猜,也是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,我们正在搜索所有出版的同行评审科学文学,寻找可能是化学品,或产品,或者科学家认为可能导致身体伤害,财产损失或环境损害的商业惯例。所以我们从那开始。我们在尽早阶段尝试捕捉期刊文章,然后我们将文章连接到文献中,然后跟踪这些文献,因为它们是基本上,科学的证据。

12:49 BR:然后在同时,当我们开始我的那些文献来描述暴露于那种风险的工业足迹,我们将其转化为公司档案,为那种曝光足迹的公司。然后这两种建模努力,曝光建模努力和......好吧,所以我应该说这是科学的证据建模努力,然后公司曝光建模的努力。我们首先通过专家,策划数据,然后随着时间的推移,将所有这一切转化为培训数据,这使我们能够获得数百万期刊文章和数百万期刊文章。成千上万的公司。

13:42 MG: So a lot of companies claim to have AI. It sounds like, you [chuckle] actually... You do have AI, and you need it, and you'重新证明您可以使用它。我只是......我'm有趣的感兴趣,只是思考,几乎是如何用你的工具如何使用你的工具。所以他们开始与他们的公司开始'重新寻求保险,他们进入那家公司进入模型,然后用一种,有点,风险的情景和定价出来?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'究竟是这样的。所以你会有承销商,收到提交或续约。并且您将登录并找到该公司,然后您将首先看到,首先,从250名具有足够大的文献的代理商中,我们'将它们跟踪为保险公司的潜在大规模尾部风险。你'D找出,这家公司是否暴露于那些人?那些50个?然后,所有这些都转变为我们在超标概率曲线方面量化的信息。所以你可以获得PML和TVAR。我们也将其转化为尺寸风险。所以'不仅仅是......所以整个关于责任的事情与房地产环境不同,你在哪里写作,然后如果在那里'那一年将成为亏损。对我们来说,你找到了一家公司're exposed to, let'说,一个圆满,我们'我不仅仅告诉你'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'在过去的20年里,在同一家公司写作,这's one of the... That'责任保险中的真正难题。堆叠问题,这就是您实际上可以有20年的地方,这一切都将被激活,因为您有一家公司将公众暴露于一些化学物质20年,每年的政策年度都可能最终偿还。所以那里'这一切都是......所以,要到你的观点,你'd go in and 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, and it'迷人。所以是的,它'在另一个维度与,我猜想要一个更好的单词,那种清洁的猫丢失可能是,我 '不太确定逆转的是,一般的礼物。但它肯定听起来像那种保持的痛苦......你'd思考您是否是承销商。法规怎么样?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'Re试图了解铸合聚合的曝光程度,然后思考如何鼓励公司更好地管理。此外,评级机构很漂亮地集中于此。最好是开始询问情景。百慕大货币......哦,所以下载监管方面,百慕大货币管理局已经开始询问责任情景,SMPS对此非常感兴趣。我认为它'早期仍然,关于具体将出现的是监管框架,但对此有很多兴趣。我认为在你有偿付能力之后,那是一个从中出现的第一批规则,他们......而且历史上,事实上,这可能已经有更多的破坏性与责任和储备缺乏和责任有关,而不是已与Natcat相关联。并且很多都与聚合风险有关,因此肯定会有一些出现的监管框架。但它'在某种程度上,由于这个时间维度问题,并且所以究竟是艰难的问题's going to work, isn't clear yet. But it's these competing approaches that are emerging.

18:26 MG: Yeah, it'在采用方面肯定是一个大型大型企业司机,我期望的是它变得更加清晰,更多的要求。并谈论业务收养。我是说你've got... You'非常众所周知,或者你'在这个特殊的空间肯定是众所周知的,并且没有'似乎有许多其他公司在那里做类似的东西。采用有很大的障碍吗?我们谈到了你经历了3000万的期刊,以及35,000家公司,如此清楚's something around the, just the rigour, and depth, and 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 and forward-looking which is what we try to do. Forward-looking meaning, you can'T只是以前的批量诉讼事件,因为这不太有趣。因为这些产品已从市场中删除,而这些产品则失业。而且,你've Get试图弄清楚一些前瞻性事情的方法。然后也将此转变为公司数据。那里'它由Praedicat进行多年的投资's ...和技术创新。我们'在你指出的那样,ve必须开发一个AI来缩放。所以我认为这对竞争有点障碍。但那说,我们确实有竞争对手。他们采取不同的方法,经纪人也参与了模拟和看这个空间中的曝光。所以没有人'做了这一点'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,究竟。

20:14 MG:你能谈谈你正在使用的一些客户吗?

20:16 BR: Yeah. Well, we'重新与10个最大责任保险公司中的7人合作,我们与约18家保险公司和再保险公司合作,我们现在也与一些全球工业合作。所以到年底,实际上,我们'LL是大约10个全球工业。所以这些是我们的大型化学公司 're also working with, and 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 and reinsurance clients, which will be interesting.

20:56 MG: Are they coming to this because they'重新希望改变或减少他们的保险,或者有不同的东西'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'重新成为化学公司和你've got, let'说,几十个或甚至数百种产品,你需要追踪正在寻找你的产品是否可能导致身体伤害或环境损害的科学,而且结果是一个也具有监管问题的大规模问题完全在购买保险范围内。现在,我们确实采取了专注的保险方法,这使我们与典型的产品管理不同。那'他们称之为它,产品管理。在典型的产品管理厂商上,我们'在我们采取的方法中获得更多的量化,更专注于科学,更少专注于监管。我们预计那就是那么最终,将有助于促进更好,更高效的保险购买,但这'他真的不是我们现在正在使用的音调。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, and the general public, and your workers.

22:21 MG: Yeah, it'一个非常强大的商业模式。那里'很少有公司,我能想到,如果这样做了'在灾难性建模世界中始终是一个挑战,基本上为最终客户服务,谁经常想要,如果是'购买保险,他们想要通过传统手段购买。因此,能够帮助他们理解风险,我想在您的情况下,了解并解决中规则问题,也与保险合作。最终,您可以在那里到达一个非常强大的良性循环,在那里风险相同的方式评估,因此信息是一致的,最终每个人都赢了,'cause they're understanding the risk, and reducing it, and 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 and indemnity. If there is a mass litigation against the company, then there'S声誉风险,有产品从市场上删除,所以在那里'亏损收入。现在没有人会说,现在是他们唯一的成本'Re是圆满诉讼的承担,是他们的成本'重新支付国防费用。它'比那更大。它'真的存在。所以这一事实是,这么大的损失不仅仅是什么's covered by liability insurance, makes it something that these companies have entire functions built around trying to understand the risk, and 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, and really is not capturing the texture of the risk for particularly large companies, and there'对于产品创新的很多范围,能够更好地帮助大型公司来管理这个产品管理风险。很多成本不'T有与现在相关的保险,与尝试以正确的事情进行相关的,如果没有这样做,以后会导致责任。所以我'd say there'扩展可用于处理产品管理的覆盖范围的巨大范围。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在听到它,公司正在寻找他们的总资产负债表风险,并将传统上被认为是保险的东西,但承认很多损失结果'实际上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大的灾难性事件在哪里,然后有不同类型的保护,这可能与先前类型的赔偿保护不同到目前为止买了。所以'非常有趣的是听到这个消息'S也穿过你的身边。也许你能告诉你如何,有点,访问你的客户?在加利福尼亚州的南部,它从保险世界甚至再保险进一步都有很长的路。你刚刚加入了Lloyd的最新队列's Lab so, How do you sort of find that balance, and what motivated you to join the Lab?

25:55 BR: It'天气真的,这让我在洛杉矶。它'不是对客户的邻近。我们'非常兴奋的是作为群组三的一部分,因为它允许我们肯定是与劳埃德相结合的更多'S市场,与伦敦保险公司一般。它'非常有一个面对面的文化,所以在办公室建立办公室然后参与劳埃德'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, and yeah, I think there'劳埃德的注意力's. It'非常善于成为一个真正难以放置在其他地方的风险的市场。但人们......我可以想到一位作家说,"它们是有点像这样的'对分析风险的新方法有点怀疑。"而且如此令人信服的人,新技术足够好,可以走一些非常重要的线条,总是会成为挑战。一个有趣的东西,我不't know if you've专门遇到了这一点,但随着新产品创新设施'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'T必须打算在它上赌注,但要试验其中一些,这似乎是非常适合你的'在你的一些地区做'看看,你可以开始写一些线条,使用一些创意方式,如指数和其他不标准的非标准途径,或者触发付款。但是你在那种地区做了很多,还是你的任何东西'在Lloyd来看,看看'现在是现在的开场......现在比你的挑战更多地打开它've had trying to engage before?

27:39 BR: Yeah. One of the projects that we'重新努力在劳埃德'S Lab,是开发新的危险责任保险产品。因此,该项目是我们正在与我们的导师合作,也与市场上的其他人合作,试图将劳埃德提供出来的新产品'S市场,涵盖责任的尾部风险,以便在命名的危险基础上进行大规模的大规模诉讼。这将涉及让人们对模型感到满意,并且还了解市场的大小,那些曝光的公司,为什么他们'今天没有充分保险,将所有这一切放入业务计划,设计实际产品,仪器,所有这些。然后帮助您在软件中源的工作流程。所有这些都在一起是我们的商业计划'重新发展,那'是我们的关键举措之一。我认为这'我会的......我想'S会很棒。这个想法......那里'很多人对责任的想法,这是今天几乎完全的想法,我不 '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'既有危险的危险。所以那里'缺乏被排除的风险的覆盖范围,然后也有不愿意提供的限制,因为他们不'确切地了解他们的一切'覆盖。从承销商获得的常量克制是,"我写了这家公司认为这是风险,然后罗斯看不见,无处不在,这是出现的损失。"因此,我们越多,我们可以预测可能会有科学的未来大规模诉讼,然后涵盖名为Peril的最大潜在损失。反馈我们'从市场上获得的是'非常适合劳埃德's, and it'关于让每个人都舒服的概念,然后我们're hoping that that leads to the launch of an entire new approach.

30:01 mg:是的,没有,这是完全有意义的。所以一个名叫的危险可能是,例如,阿片类药物作为您可能的名为Perils之一......有人可能会购买封面。

30:09 BR: Right. Or ideally, if you had seen opioids before the fire started, before the house started burning, that would have been... That and a set of other named perils, as an entire portfolio. Our idea is, you don'想要写入名为危险的围绕或阿片类药物。但是,您希望能够思考可能在哪里有25个其他公共卫生问题,这些问题看起来像阿片类药物,其中可能有三个将来会导致未来的诉讼。或者在哪里可能存在50种其他农药,除草剂或其他农业化学品,以及其中任何一个都可能是下一个圆满,但最有可能的是,他们大多数人都赢了'T。但他们都有与他们相关的科学,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, and then cover it under a named-peril basis, will get people comfortable with offering more limit above what'目前在全危险的基础上。或为今天的电磁场等东西提供覆盖范围,科学是'真的是所有这些都支持那里的想法'在未来的手机上会成为脑肿瘤的手机的诉讼。但它'尽管科学已经远离它,但大大覆盖了今天。所以能够鼓励那种创新,是我们的're spending most of our time doing these days.

31:46 MG: As you're talking, I'M思维,你必须有点像医生&E, you'重新看到可能发生的所有这些可怕的事情,但这's kind of part of the day job, and you just have to keep going and hope that you can play a role, or Praedicat can play a role in highlighting the risks, and therefore encourage risk mitigation for those risks, yeah, despite the fact that, ultimately, they can become fairly unpleasant outcomes and 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,饮食可乐是......要杀了我。"与此同时,当我们看看饮食可乐中人造甜味剂周围的科学时,它看起来非常良好,所以我们不't担心它,随着时间的推移......虽然最初你......当你'首先暴露在我们所做的事情上,这里的每个人都有这个初步反应,"哦,我的上帝,那里'在食物和环境中是如此多的可怕事情,...... " Particularly if you have young kids, a lot of us here have young kids, and so you... A lot of science these days is around how environmental chemicals and 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. That 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 here, is increasingly positive. It actually has health benefits, and when they used to think, it caused cancer, all the science no longer supports that.

33:39 MG: You'现在已经过了一段时间了。什么'你对什么看法'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'在技​​术和保险之间的这种融合,在两个方向上推动我们'非常有趣。我不't know where it'所有人都会为我们撼动,但它's definitely interesting.

34:08 MG: It'非常有趣,哪些公司正在做你喜欢的东西,你在哪里'实际上为新风险提供了新的解决方案,或者将您的早些时候提出了关于那里的'S一直是人们涉及责任的转变。是的,人们不再舒适覆盖的所有风险。你'如果您可以进入保险公司并说,那么,vers的故事更加引人注目,"I'有一些工具可以帮助您提供更多业务并增长您的收入。"而不是,"我想告诉你与你有关的所有风险'RE已经写作,你可以花费更多的钱来理解你做得更好,以及所有成本以及与此相关的困难。"所以是的,我想在那里'如果他们可以与市场合作,那么谈论无形风险的人,那么将成为越来越成功的公司。'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'在解决这一覆盖范围内,VE更加集中,而不是仅仅帮助管理聚合风险。该覆盖率每年约为750亿美元,即'S在美国的责任保险下发现。然后'S a ...试着回到30世纪70年代的保险业的地方,而是正确地做到这一点,以管理汇总的方式做到这一点,750亿美元的增长机会非常巨大。然后'S根本甚至没有由责任所涵盖的其他风险,我之前描述的其他产品管理风险毫无疑问。和你'绝对正确,它'是一个更引人注目的案例,可以进入保险公司并说,"我们可以帮助您加倍您的业务或更多的大小,同时帮助您以某种方式执行此操作'与今天的责任保险方式不同,可持续盈利。"那's why we'更集中在覆盖范围内的覆盖范围,而不是在聚合管理中,因为它's definitely a much more compelling pitch.

36:17 MG: Well Bob, it'太棒了,有一段时间。我希望我们能在你身边互相看到对方'在某个时候重新在英国。它'D在未来的某个观点中是好的。看看你出来的实验室和呀,让我们's see how that's worked for you.

36:29 BR: Sounds great. Definitely, I'下次我让你知道'm going to be there.

[音乐]

36:36 MG: You can find more episodes, featuring others in the Lloyd'早期录音的实验室,更多。现在科技前沿播客继续得到保险内幕的支持,我们'很高兴为您提供免费问题。详细信息在集中票据中。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On联系我 [email protected]科技前沿. 告诉我们你在想什么。

这里 播客57.它也可以在iTunes上提供, Spotify.讲话.
 

继续专业发展

科技前沿是认可的 特许保险研究所(CII)。通过聆听科技前沿播客,或阅读随附的成绩单,您可以向CII成员CPD计划宣布高达0.5个CPD小时。

完成 科技前沿播客反馈调查 声称您的CPD时间。