This week: cyclists earn legal lane rights, wildfire premiums going nuclear, and car insurers back in the green, but customers aren’t cheering.
📌 News you didn’t know would affect your loss ratios
🛠️ A sales move for your team that never feels like selling
🚨 Risk and claims signals you’ll wish you spotted sooner
🎓 Vegas bets on insurance as a major
UNLV just launched a bachelor's in insurance and risk management. Finally, a degree that teaches you to calculate deductible exposure and dodge family reunions with a straight face.
🚘 Auto insurers are back in the black. Customers? Not so much.
Premium hikes haven’t slowed, even as carriers recover profits. The result? Policyholder anger hitting CSATs and NPS scores.
💻 Insurers still cleaning up after hacker infiltration
Scattered Spider is back… targeting P&C players, and exposing just how fragile internal controls remain.
🌲 Allianz says wildfire risk has doubled in density, not just spread
Frequency and severity are both spiking, and your average ZIP code map isn’t catching it.
Instead of saying, “We insure wildfire risk,” have your team try this:
Create a single-page “Wildfire Readiness Guide” with visuals of recent severity trends near client ZIPs (our example below)
Use it in a call or email to start a conversation. Not just as an upsell, but as proactive service.
Position it as “Your next wildfire drill,” not a price pitch, because people remember help, not premiums.
Real insight equals trust. And trust wins renewals.
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🏫 Wyoming school districts pay $30K/year thanks to repealed gun-free zones
Turns out political swings carry actual insurance bills. Districts must now pay for armed staff coverage directly.
🚗 Four drivers, 1,000+ violations, $340K in fines
D.C. just sued a handful of out-of-state drivers who apparently thought traffic laws were a suggestion. Underwriters, take note: the next big loss might be parked at a red light… repeatedly.
🚴 Cyclists don’t have to yield. Cue the lawsuits.
The Pennsylvania Supreme Court just ruled that cyclists can legally block traffic if it’s safe. Adjusters are bracing for a wave of “he didn’t move” claims.
🎯 Triple‑I/Milliman Underwriting Projections | July 10 • Virtual
MEMBERS-ONLY Q3 exclusive: inflation, combined ratios, and underwriting outlooks for brokers. Contact members@iii.org for the secure registration link.
🌾 NAMIC Agricultural Risk Conference | July 16–17 • Des Moines, IA
Hands-on cases and risk modeling directly from the farm learning lab.
🌊 CIWA Summer Forum | July 20–22 • Monterey Bay, CA
Wholesale brokerage, capacity trends, and coastal market dynamics.
🎯 NAIC Summer National Meeting | Aug 10–13 • Minneapolis, MN
Where state regulators meet, models get revised, and carriers pay close attention.
Spotted wildfire data that change your roof rating? Saw a cyclist claim go sideways? Going to test the guide idea on a client this week?
Hit reply or reply here. We share what works, and what’s working for us right now.
Until next week, remember: brands aren’t built on promises. They’re built on moments your clients can tell you’re watching.
— Milan, Vlada & Vadym
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