The hottest Insurance Substack posts right now

And their main takeaways
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Top Finance Topics

Underwriter Certification of Nuclear Power, 2.0:

Gordian Knot News • 124 implied HN points • 16 Mar 24
💼 Business Regulation Insurance Certification Market Energy
  1. Regulation of hazardous activities requires finding a balance between safety and economy to prevent both excessive harm and economic burden.
  2. Certification Societies, like those for ocean transportation and high-pressure steam, play a crucial role in setting industry standards, inspecting compliance, and ensuring safety.
  3. Underwriter Certification for nuclear power leverages market competition, government oversight, and insurance to provide a feasible and safe regulatory system for nuclear energy.
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Without health insurance, poverty is just a medical bill away

American Inequality • 609 implied HN points • 12 Jul 23
🏥 Health Politics Insurance Medical Debt Healthcare system
  1. Lack of health insurance leads to inequalities and higher child mortality rates.
  2. High costs hinder insurance enrollment, with many uninsured Americans being from low-income households.
  3. Employer-based health insurance in the U.S. has roots in historical events and presents challenges like 'job-lock' and lack of coverage for gig-workers.

State Farm & Jake From State Farm on TikTok

Good TikTok Creative • 58 implied HN points • 09 Feb 24
💼 Business Marketing Advertising Insurance TikTok
  1. State Farm has been successful in leveraging TikTok for marketing their brand and Jake from State Farm as a character.
  2. State Farm created a campaign around a fake film called "Agent State Farm" for the Super Bowl, starring Arnold Schwarzenegger and Jake from State Farm.
  3. By utilizing TikTok, State Farm has managed to create engaging content and build brand consideration among consumers in a competitive insurance market.

Life with Crohn’s Disease is a Never-Ending Fight with Insurance Companies

JoeWrote • 44 implied HN points • 13 Feb 24
🏥 Health & Wellness Healthcare Insurance Chronic Illness
  1. Living with Crohn's Disease involves a continuous battle with insurance companies, making access to necessary healthcare challenging.
  2. The American healthcare system's bureaucracy and profit-driven approach create unnecessary burdens for individuals with chronic illnesses.
  3. Personal experiences highlight the flaws in the American healthcare system, emphasizing the need for reform towards universal healthcare coverage.

Recession Tug-of-War: Downside versus Bright Side

Risk Musings • 401 implied HN points • 29 Jul 23
💰 Finance Economy Real Estate Inflation Insurance Climate change
  1. The US economy faces challenges like high interest rates, commercial real estate vacancies, inflation, and climate change.
  2. Despite challenges, positive factors like AI, consumer demand, residential real estate, and labor strength are helping the economy remain resilient.
  3. The tug-of-war between downside risks and bright side factors will determine the economic outcome in the short, medium, and long terms.

The Price Anderson Suicide Pact

Gordian Knot News • 161 implied HN points • 08 Nov 23
💰 Finance Insurance Nuclear power Compensation
  1. In the US, the response to nuclear accidents is governed by the Price Anderson Act and American tort system
  2. The Secondary Financial Protection under Price Anderson can lead to mandatory post-casualty assessments on nuclear plants
  3. INPO, a self-regulation inspection service, influences the safety culture of nuclear plants by focusing on preventing costly accidents

The Equal Ventures Insurance Index - Q4 2023

Equal Ventures • 39 implied HN points • 30 Jan 24
💰 Finance Insurance Investing Mergers & Acquisitions Stock Market Industry Analysis
  1. Insurtech indices outperformed legacy peers in Q4 2023, showing strong recovery throughout 2023 but still below 2021 highs.
  2. Legacy brokers faced challenges in Q4 with tougher revenue growth comps, while insurtech companies in distribution & marketing excelled.
  3. P&C carriers had a positive Q4, demonstrating improved profitability expectations with lower combined ratios, notable improvements in personal lines carriers.

Is the Fed Financing the FDIC?

Without Warning • 176 implied HN points • 04 Sep 23
💰 Finance Federal Reserve Insurance Banking Liquidity
  1. The FDIC is primarily funded by banking industry fees, not congressional appropriation.
  2. During the Global Financial Crisis, the FDIC did not borrow money from the Fed but instead used clever financial maneuvers like prepayments to maintain liquidity.
  3. The FDIC may be utilizing the Fed's loans as a form of financing, with evidence suggesting that FDIC guarantees are used to back these loans, allowing for liquidity creation.

Bonds bail us out

Known Unknowns • 235 implied HN points • 26 Jun 23
💰 Finance Investing Economy Insurance Work Risk management
  1. Bonds can be a good financial tool for managing risk and long-term investment.
  2. Questioning traditional financial theories, like investing in long-term bonds, can lead to insights on managing pension funds.
  3. Work-from-home trends may not be sustainable in the long term due to the importance of workplace relationships and culture.

In Property Insurance, Climate Change is Everything

Equal Ventures • 19 implied HN points • 24 Jan 24
💰 Finance Insurance Risk management Climate change Startups
  1. Insurers must adapt quickly to the impacts of climate change on property insurance, as changing weather patterns are leading to more natural catastrophe events and heavier losses.
  2. The property insurance market is experiencing shrinking margins, complex regulations, and increasing premiums due to climate change impacts, leading to carriers pulling back policies in high-risk areas.
  3. There is a need for more innovative approaches in underwriting and risk management, moving away from relying solely on historical zip code data and towards tailored risk assessment in the face of evolving weather risks.

Investing in Insurance Today

Equal Ventures • 79 implied HN points • 05 Jun 23
💰 Finance Insurance Investing Digital Transformation
  1. Insurtech investments experienced a hype cycle: Surge in investments followed by multiples collapsing causing pain and caution among investors
  2. Disruption of legacy insurers by new entrants is challenging: Product innovation made purchase easier, but companies need to be profitable, not just innovative
  3. Digital transformation in insurance sector is valuable: Tech-enabled ecosystem enablers creating value, while legacy insurers are seeking digital capabilities

Issue #91: Robinhood Is Opening Up Shop in The UK, Apple and Goldman Sachs Look To Be Parting Ways, And Aussie Banks Partner On Scam-Safe Accord

Fintech Radar • 6 implied HN points • 06 Dec 23
💰 Finance Fintech Investment Technology Climate Insurance
  1. Aussie banks unite to combat scams and improve security measures for customers
  2. Robinhood expands into the UK with commission-free trading offering for US-listed stocks
  3. Apple and Goldman Sachs seem to be parting ways as Goldman Sachs shifts focus away from retail banking

Benefits 2.0: Brokers as the Frontline of Benefits Innovation

Equal Ventures • 59 implied HN points • 07 Sep 22
💼 Business Insurance Healthcare Entrepreneurship Employee Benefits Market Trends
  1. The benefits industry has evolved significantly to Benefits 2.0, where employers can offer more personalized and cost-effective benefits than before.
  2. Employers are increasingly turning to brokers as key partners in navigating the complex landscape of Benefits 2.0, creating opportunities for entrepreneurs and service providers.
  3. Key trends in Benefits 2.0 include the growth in self-funding, care navigation solutions proving ROI, and the expansion of fringe benefits like mental health and financial wellness.

4 Key Trends Emerging from ITC

Equal Ventures • 19 implied HN points • 03 Oct 22
💼 Business Insurance M&A Climate Risk Startups
  1. Insurance startups are exploring opportunities beyond traditional insurance, including tech-enabled solutions and business development pathways.
  2. After a decline in valuation multiples, the interest in mergers and acquisitions (M&A) within the insurance industry is resurging.
  3. Focusing on climate risk is becoming a key priority for insurers, leading to changes in underwriting approaches and investment in climate-related initiatives.

American Health Care

the rohn report • 39 implied HN points • 24 Jun 21
🏥 Health & Wellness Healthcare Medicine Insurance Quality
  1. Doctors often work for insurance companies, not solely for the patient's benefit. The focus is more on testing, diagnosing, and prescribing rather than providing empathetic care and support.
  2. The healthcare system can benefit from more humane and patient-centered approaches. Listening and empathizing with patients can play a significant role in healing.
  3. Integrating different healing modalities, like traditional Chinese medicine alongside conventional treatment, can lead to better outcomes and overall well-being.

Hiring VC MBA Interns with experience in Insurance, Supply Chain / Logistics & Climate / Energy

Equal Ventures • 19 implied HN points • 23 Mar 21
💼 Business Venture Capital Internships Recruiting Insurance Supply Chain
  1. The company is hiring MBA interns with experience in Insurance, Supply Chain/Logistics, and Climate/Energy
  2. Interns will research industry themes and investment opportunities remotely for 10 weeks in the summer, with a stipend included
  3. Ideal candidates should have experience in these sectors, be intellectually curious, professional, self-directed, and friendly

The Equal Ventures Insurance Index

Equal Ventures • 0 implied HN points • 18 Oct 23
💰 Finance Insurance Market Trends
  1. In Q3, insurtech carriers faced challenges, with rising loss ratios impacting growth, while digital brokers underperformed compared to legacy peers.
  2. Brokers are encountering a favorable environment with higher rates, but digital challengers like GSHD showed strong performance.
  3. Property and casualty carriers struggled with increasing losses due to catastrophe exposure, leading to market volatility and a shift towards specialty insurance providers.

Equal's 2023 Research POV

Equal Ventures • 0 implied HN points • 17 Jan 23
💼 Business Retail Supply Chain Insurance Climate
  1. Retail sector is shifting focus from growth to fundamentals due to choppy economic conditions in 2023. Brands outsourcing non-core competencies like brick & mortar retail.
  2. Supply chain disruptions persist in 2023. Opportunities in restructuring manufacturing supply chains, filling labor gaps, and managing freight market downturn.
  3. Insurance sector sees focus on profitability, capital efficiency, and product differentiation. Trends in specialty lines, embedded solutions, and broker digitization.

Could Driver Assistance Features Undermine Independent Repair?

Fight to Repair • 0 implied HN points • 08 May 22
💼 Business Automotive Technology Repair Insurance Competition
  1. Advanced Driver Assistance Systems (ADAS) could impact independent auto repair by potentially limiting repair options for car owners.
  2. Introduction of Ford's Certified Glass Network is an example of how automakers are adapting to the rise of ADAS features in vehicles.
  3. The market for auto repair, such as glass replacement, is evolving due to the increasing reliance on software-based safety features in modern vehicles.

Dispute Over Insurance Blew Apple’s Cover In Scandal Over Leaked Photos

Fight to Repair • 0 implied HN points • 09 Jun 21
💼 Business Technology Insurance Lawsuits Data Privacy
  1. A dispute over insurance revealed Apple's multi-million dollar settlement with a woman after her explicit photos were leaked by authorized repair technicians.
  2. Apple's authorized repair providers may not always guarantee trustworthiness, as evidenced by incidents like the leaked photos case involving a subcontracted facility and its employees.
  3. The case underscores the challenges faced by Apple and other tech companies in proving that authorized repair services are superior to independent repair shops in terms of quality and security.

The Digitization and Enablement of Insurance Agents

Equal Ventures • 0 implied HN points • 13 Jan 23
💼 Business Insurance Digitization Distribution Technology Investment
  1. Industry predictions of digital channels displacing traditional insurance agents were proven wrong.
  2. Legacy distribution channels, like insurance agents, remain crucial in insurance despite digital advancements.
  3. Adapting to digital best practices can significantly boost revenue growth and profitability for insurance agencies.