Embedded Insurance – Exploring the opportunities

webinar presented on September 13, 2018, Tara Straw, Senior Policy Analyst, provides a detailed discussion of eligibility for the premium tax credit—including how offers of employer-sponsored insurance can affect eligibility—as well as how the credit is calculated. Overview. Jump to video section, View slides. Open enrollment 6 for coverage year 2019. Overview of the coverage landscape.

Unless you collect the same item or have an interest in the same hobby as an insured, you may be asked to insure items about which you have little first-hand knowledge. Every homeowners policy has limitations that apply to certain classes of personal property and liability arising out of activities in which an insured may be involved. Examine the difference in valuation methods based on Actual Cash Value, Replacement Cost, and Agreed Value. Evaluate significant differences in the level of protection for owned versus non-owned motorized "toys" under a homeowners policy. Examine how a personal umbrella policy can help fill in the potential coverage gaps.

A reliable replacement cost estimate based on actual claims data can help you maintain insurance-to-value (ITV) in the competitive commercial lines marketplace. Discover how Verisk has combined data and analytics from ProMetrix to deliver up to a 75 percent hit rate in 360Value, giving you the power to substantially enhance the accuracy of your underwriting for more properties in your portfolio. Get the full picture for commercial property with Verisk’s trusted reconstruction cost estimates, now paired with even more robust data from ProMetrix. Understanding the full scope of your exposure can help you streamline underwriting and protect your customers.

Each day we see the early signs of Digital Insurance 2.0 emerge … new products introduced, new channels established, new services offered, new business models launched, and much more. In a “winner take all” digital world, rethinking decades-long business assumptions and traditional business models is mandatory. Survival and winning will require architecting and building a Digital Insurance 2.0 business model that will make today’s model obsolete.