The Underwriting Cycle in Four Phases
The insurance underwriting cycle is the industry’s recurring rhythm: hard market → transition → soft market → turn, and back […]
Underwriting
Underwriting
What Your Broker Should Be Doing for You in a Hard Market
In a hard market, your broker earns their commission — or they don’t. When rates are rising, capacity is shrinking,
Underwriting
What Is a Soft Insurance Market, in Plain English?
A soft insurance market is a period when insurance is easy to buy and getting cheaper: premiums fall, coverage broadens,
Reinsurance, Underwriting
How January Reinsurance Renewals Set Your Commercial Premiums
Every January 1, the global insurance industry resets a huge share of its reinsurance contracts — the treaties through which
Underwriting
Why Property, Casualty, and Cyber Cycles Don’t Move Together
Property, casualty, and cyber insurance all live inside the same industry, but they run on separate clocks. In Q2 2026,
Underwriting
When Will the Hard Market End?
For most commercial insurance lines, the hard market has already ended — rates began falling in mid-2024 and were still
When Your Customer’s AI Shops Your Agency
Liberate’s AI Intercept screens machine callers at the insurance front door. The broker’s job: make the agency machine-quotable, and own the escalation when judgment matters.
From Cat Model Output to Underwriting Decisions
The model says $40M — now what. How modeled loss becomes rate, retention, and limit decisions, when to override the model, and the questions to ask your carrier.
Model Blending and Sensitivity Testing in Cat Risk
Never trust one number. How the pros blend vendor models, weight by peril, sensitivity-test key assumptions, and document it all for underwriters and auditors.
Climate-Conditioned Catastrophe Model Catalogs
The past is no longer the catalog. How climate-conditioned event sets change tail estimates, and how to talk about it at renewal without getting lost in the politics.
Secondary Perils in Cat Modeling: SCS, Flood, and Wildfire
Severe convective storms, flood, and wildfire now drive the loss. Why the old models missed them, and what secondary perils mean for your deductibles.
Moody’s RMS and Verisk: Two Catastrophe-Model Lineages, Not Three
AIR is Verisk’s catastrophe-model line, not a third vendor beside Verisk. Moody’s RMS is the other dominant license. KCC, Cotality, Impact Forecasting, and Florida’s public model are separate families.