Enhancing Replacement Cost Estimates with Current Data and Content Assessments

It’s a quiet crisis that has flown under the radar: Job-based health plans have become unaffordable for a growing share of the 156 million Americans who rely on them. Rising health care prices have led to soaring deductibles and out-of-pocket costs, prompting hard decisions: Half of American families with job-based plans say they ration trips to the doctor, bypass the ER, and leave prescriptions unfilled, according to a recent survey by the Los Angeles Times and the Kaiser Family Foundation.

The global insurance industry appears to have reached an inflection point on the topic of ESG. In years past, insurance companies have had difficulty measuring the ESG exposure in their portfolios. As the tools and data have improved and as insurance companies incorporate ESG into their investment decisions, the challenges have moved from measuring ESG to implementing ESG. European insurers are generally ahead of American insurers. However, in every region some companies are further along than others. What further challenges lay head for companies who have started to implement ESG? What can insurers early in the process learn from the pioneers? Join S&P Global Market Intelligence & industry practitioners to explore: How have the tools and data available to insurers evolved to meet more extensive requirements? What are the common challenges for insurers in implementing ESG? For insurers already adopting ESG, how has the journey been so far? What are the trends and challenges that lie ahead? Are American companies too far behind? What are the best practices they can learn from European insurers?

Although first-party property insurance is a standard part of virtually every commercial enterprise's risk management portfolio, many provisions continue to elude easy understanding. In many cases, risk managers and general counsel do not discover how the coverages for which their companies have been paying premiums for many years actually work (or do not work) until a major loss or damage to property occurs, at which time it may be too late to address any issues or fill in any gaps in coverage.

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