2017 HEALTH INSURANCE EXCHANGES

whitePaper | July 1, 2022

As a form of cyber extortion, ransomware is malicious software that gains access to files or systems and blocks user access until the victim pays a ransom in exchange for a decryption key. It has become a serious issue as the number of attempted intrusions and successful attacks as well as the size of ransom demands have trended sharply higher in recent years. Cybercriminals are also deploying sophisticated approaches to extort their victims, including threats to release sensitive information or take down a firm’s website if the ransom is not paid. The development of the ransomware-as-a-service (RaaS) business model has supercharged this field of cybercrime and enabled threat actors, even with limited technical IT skills, to launch highly disruptive attacks.

whitePaper | November 29, 2019

Insurance carriers have invested a great deal in digital capabilities in recent years. While these initiatives reflect a genuine need to be more efficient and profitable, it can be difficult for management to maintain a clear perspective on strategy in the face of what amounts to generational change. Accordingly, whether you’re embarking on a digital transformation or just making targeted improvements, there are a few important things to keep in mind.

whitePaper | May 14, 2023

Increased scrutiny from investors on companies’ Environmental, Social, and Governance (ESG) credentials, such as board diversity and environmental impacts, presents greater potential Directors’ and Officers’ (D&O) liability exposure. Investors, employees and consumers increasingly expect companies to be actively addressing ESG considerations in their structures and operations. Those failing to address these issues may open themselves up to ESG-related litigation.

whitePaper | May 16, 2022

The combination of high-resolution aerial imaging and artificial intelligence has practical applications for multiple use cases, such as manufacturing defects detection, environmental impact studies and planning, urban vegetation mapping, and precision agriculture. Now, as major natural disasters have increased, the insurance industry is using aerial imagery and AI for damage assessment. This is part of an expanded focus on post-event analysis that uses data, AI, and analytics to understand risk mitigation. Aerial imagery and AI can help address varying spectral bands of resolutions and other factors that the human eye cannot easily connect.

whitePaper | February 24, 2020

Commercial property insurance providers find themselves operating in unpredictable conditions, with political and economic uncertainty having negative impacts on business activity in almost every industry. The retail sector is under particular pressure, but there are also significant problems in the o-ice buildings market, as businesses postpone expansion or investment plans, and some consider relocating facilities outside the UK once (or if) the Brexit process is completed.

whitePaper | August 3, 2023

It’s no secret that the global pandemic has upended everyone’s life. We know this anecdotally from our own experiences—more online shopping with curbside pickup orders, ordering takeout and delivery versus in-person dining, and changing media consumption. And let’s not forget remote working and learning. These experiences are more than simply anecdotal; McKinsey has written about the more specific effects of the pandemic on consumer behavior and needs. In short, they write: “behavior changes will reshape consumer decision journeys and companies will need to adapt fast.”