This week: mental health gets denied, climate premiums explode, litigation won’t quit, and 99% of claims settled without complaint?!

 

 

We’re back. And things are getting wilder, and way more insurtech-y.

Last week, we launched The SUPERAGENT Insurtech Roundup - and the response? Delightful. So we’re doubling down.

This is your inside line on:

• The headlines that make you do a double take (and sometimes a double facepalm)

• The startup trenches - what it actually looks like to build insurtech with teeth

• Real takes from real founders who know insurance isn’t broken… it’s just misdiagnosed

• Signals in the noise: tech trends, market shifts, and moves you should probably copy (or avoid)

We’re not here for the echo chamber. We’re here to build, to challenge, and to make the future of insurance a lot more interesting, and a lot more accessible.

 

 

Headline Mayhem

• State Farm Apologizes. Allstate Gets Grilled. Senate Turns Up the Heat.
  State Farm’s exec told a North Carolina homeowner “we messed up” - on the record, in the Senate. Meanwhile, Allstate got barbecued by Sen. Josh Hawley over adjuster tampering and bloated exec pay.

  Allegations? Pressuring adjusters, lowballing payouts, and ghosting storm victims.
  Plot twist: it wasn’t a Netflix courtroom drama.

• Climate Premiums Are Up 50%. Senators Are (Mostly) Absent.
  The Senate held a hearing on climate-driven insurance chaos. Only Democrats showed up. Apparently, wildfires and hurricanes have party lines.

  Meanwhile, homeowners are paying $6K+ a year or getting dropped entirely.
  Your ZIP code now decides your customer’s fate - or at least their deductible.

• Market Softens. Unless You Litigate in Florida.
  Rates are easing across most lines - commercial property, umbrella, D&O.
  But if you’re operating in a courtroom-prone state (hi again, Florida), brace for impact. Litigation is the new inflation.

 

Brand Moves To Try Today

Let’s face it, most insurance branding still looks like it was designed in 2004… by a lawyer.
But a new wave of agencies and platforms are flipping the script. They’re not selling fear or policy specs - they’re selling clarity, confidence, and control.

Here’s the playbook that’s working:

• Modern, minimalist design.
  Clean layouts, fresh colors, bold typography. It doesn’t look like “insurance” and that’s exactly why it works. Customers stay longer when it feels less like a chore.

• Messaging that starts with why, not what.
  Instead of “We offer home, auto, and life,” try:
  “We help you protect what you’ve built, and make smarter moves for what’s next.”
  Feel the difference?

• Customer journey > product pitch.
  The strongest brands tell a story where the customer is the hero, and the insurance product is just the sidekick that helps them win.
  Think: less brochure, more coach.

How to use it in your agency or for your brand:
→ Drop the stock photos.
→ Audit your website and email headers. Are they human? Would you click them?
→ Pick one bold visual element and make it your thing (colors, layout, tagline — anything but “trusted since 1978”).

💡 Remember: you’re not just selling coverage. You’re shaping how people feel about getting protected. And that’s a branding opportunity, not just a compliance box.

 

 

Things That Make You Go What?

• Chipwich Recall Melts Down over $4.5M Recall - and So Did the Coverage
  Crave Better Foods just learned the hard way that “optional” recall insurance isn’t so optional. After pulling $4.5M worth of Chipwiches from shelves, they realized their broker never secured the coverage they thought they had.

  Now it’s lawsuits, lost sales, and melted reputations.
  Cold comfort for a company that’s literally in the freezer aisle.

• Insurance Industry Says: “Actually, We’re the Good Guys”
  After getting roasted in a Senate hearing over hurricane claims, APCIA clapped back with its own receipts. They say 99% of claims from Hurricanes Helene and Milton were settled without complaint, totaling $8B in payouts.

  Oh, and about those denied claims? Most were flood damage — not covered by homeowners policies anyway. Translation: “We're not perfect, but FEMA paperwork made us look worse.”

 

 

 

Calendar So You Don’t Miss the Future / Fun / Useful Stuff

Here’s where we’re headed - or where you’ll be a month from now.

🗽 Insurtech Insights USA
June 4–5 | New York, NY
Where AI meets ROI — and everyone’s wearing sneakers.

📊 IASA Xchange™
June 8–10 | St. Louis, MO
For those who dream in spreadsheets and speak fluent compliance.

🚀 Fintech + Insurtech Generations
June 11–12 | Charlotte, NC
Innovation, BBQ, and the best networking this side of the Mason-Dixon.

🏙️ The Future of Insurance USA 2025
June 12–13 | Chicago, IL
Where insurance meets innovation (deep dish style.)

Heard something that made you say Whaaat this week?

Slide it into our inbox. We live for this stuff.

Next week, we’re peeling back the curtain: how SUPERAGENT is being built - the wins, and the wobbles. You’ll want to see this.

Until then, remember: turns out, legacy systems aren’t the problem, legacy thinking is.

— Milan, Vlada & Vadym
Your SUPERAGENTS