Risk intelligence at the point of sale - why the protection gap is a distribution design problem
The protection gap in cat-exposed insurance is not a capacity problem - the capital is there. It is a distribution design problem: we built quoting workflows that assume agents are underwriters. Move the risk intelligence into the platform, and the agent never has to carry it.
Three supervised loops, one audit trail - the operating model for cat-exposed specialty insurance
Cat-exposed specialty insurance needs three supervised loops - underwriting, distribution, customer - feeding a single audit trail. The integration is the product, and audit-trail-first design is what makes the architecture deployable for capacity partners, operators of existing flood programs backed by third-party capacity, and regulators.