Category Actuarial / Analytics


Disappearing … and Reappearing Risk: Part 2 – Expansion of Covered Perils

George Zanjani – In a recent post, I started exploring Steve Mildenhall’s observation that the property-casualty industry is grappling with a problem of “disappearing risk.” More precisely, he observed that losses are declining in relation to the economy. Safer cars, better fire prevention, tort reforms, and other trends have all conspired to drive loss frequency […]


Does Politics Influence Regulatory Forbearance?

Martin Grace – Voters and politicians hope that elections matter, but it isn’t always clear how much they matter and what the real effects elections have on voters and the economy. Researchers looking at developing economies look at how elections relate to the number or timing of bank insolvencies. They hypothesized that troubled banks were […]

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