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<title>October 20 | Insurance Advocate</title>
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<title>Cover October 20</title>
<link>https://www.insurance-advocate.com/2020/10/20/cover-october-20/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Tue, 20 Oct 2020 17:49:50 +0000</pubDate>
<category><![CDATA[October 20]]></category>
<category><![CDATA[Covers]]></category>
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<title>Moral Markets: New Concerns Carry Ethics to Next Level</title>
<link>https://www.insurance-advocate.com/2020/10/20/moral-markets-new-concerns-carry-ethics-to-next-level/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Tue, 20 Oct 2020 15:18:58 +0000</pubDate>
<category><![CDATA[2020]]></category>
<category><![CDATA[October 20]]></category>
<category><![CDATA[cover]]></category>
<category><![CDATA[Cover Story]]></category>
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<description><![CDATA[<p>Review</p>
<p>Do Markets Corrupt Our Morals?</p>
<p>By Virgil Henry Storr and Ginny Seung Choi<br />
296 pp.; Palgrave Macmillan, 2019</p>
The post <a href="https://www.insurance-advocate.com/2020/10/20/moral-markets-new-concerns-carry-ethics-to-next-level/">Moral Markets: New Concerns Carry Ethics to Next Level</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1"><strong><span class="s1">by G</span><span class="s3">eorge Leef</span></strong></p>
<p class="p1"><span class="s1"><b>Review</b></span></p>
<h3 class="p1"><span class="s1"><i>Do Markets Corrupt Our Morals?</i></span></h3>
<p class="p1"><span class="s1">By Virgil Henry Storr and Ginny Seung Choi<br />
</span><span class="s1">296 pp.; </span><span class="s1">Palgrave Macmillan, 2019</span></p>
<p class="p1">When humans exchange goods, they expect to better themselves. Over history, this simple act of voluntary trade—entering into market transactions—has faced a surprising amount of criticism. Aristotle, for instance, thought that those who earned their living by commerce were not righteous. St. Thomas Aquinas taught that it was sinful to profit unless trade took place at the “just price.” In the 18th and 19th centuries, critics such as Rousseau and Marx argued that markets were divisive and exploitative, bringing out the worst in people. And in the present, a host of scholars and politicians complain that markets prey on the weak and undermine human communities.</p>
<p class="p1">Although some scholars have defended the morality of markets, their defense has often been half-hearted, conceding that economic freedom may bring out bad human traits but arguing that the overall benefits of exchange make it worthwhile. We need an unapologetic defense of the morality of markets and this book by Virgil Henry Storr and Ginny Seung Choi provides exactly that. Storr is an assistant professor of economics at George Mason University and Choi is a senior research associate at the university’s Mercatus Center.</p>
<p class="p1">As they see the problem:</p>
<p class="p1">Even people who are typically sanguine about markets worry that we risk losing our souls when we engage in market activities. Specifically, the concern is that the more we engage in market activity, the more likely we are to become, at best, selfish and corrupt, and, at worst, rapacious and debased.</p>
<p class="p1">The truth, Storr and Choi argue, is the other way around: market activity makes people morally better. It rewards virtues and penalizes vices. They write:</p>
<p class="p1">We find that rather than corrupting our morals, the opposite is true. The evidence suggests that the market actually improves our morals. There are two main arguments that we advance in support of this claim. First, we argue that people can improve their lives through markets. People in market societies are wealthier, healthier, happier, and better connected than people in nonmarket societies…. Second, we argue that the market is a moral space that both depends on its participants being virtuous and also rewards them for being virtuous.</p>
<p class="p1">The debate over the morality of the market is usually carried out purely at the rhetorical level. Market opponents simply assert that market activity upsets their sensibilities, using loaded terms such as “commodification,” “exploitation,” and even “zombie.” Storr and Choi don’t reply to them with more rhetoric, but with evidence-based counterarguments. Enemies of the free market will face a tough challenge from the authors’ case.</p>
<p class="p1">Bettering lives / In their opening chapters, Storr and Choi run through the history of the dispute over the morality of the market, giving us a sampling of ancient and modern criticism, as well as some responses by defenders. Among the latter, Montesquieu argued that commerce was beneficial in that it cures destructive prejudices but conceded that it tends to make people inclined only to do things for the money. Adam Smith maintained that free markets do enrich people but found no particular morality in the conduct of investors and businessmen. In Smith, there’s a strong suggestion that the public benefits of market activity grow out of private vices. Milton Friedman wrote that a free market system “is the only one that allows people freedom to choose their own projects and paths,” but said that the market itself is morally neutral. Those and other market defenses are inadequate, say Storr and Choi, so they’ve endeavored to set forth a positive argument for the morality of the market.</p>
<p class="p1">For one thing, the free market is a means—and sometimes the only means—for people to better their lives. Desperately poor people have frequently managed to escape poverty by finding ways to profitably exchange what little they have in the market. That even applies to slaves. Storr and Choi give the interesting case of Bahamian slaves who were often able to substantially improve their lives because they were able to sell a few hours of their labor to willing buyers. Were the hapless slaves corrupted by entering into market contracts for their labor? Or were the people who paid them for their work? It’s almost impossible to imagine how anyone would object to the morality of such transactions, although we should never forget that 19th century defenders of slavery like Thomas Carlyle were angered by the arguments of free-market scholars against slavery and its traditional bonds.</p>
<p class="p1">Storr and Choi also make useful national comparisons. North and South Korea provide a striking comparison between a market and a nonmarket society. Before the nation was partitioned after World War II, the northern part was more prosperous than the south as a result of greater industrialization. Today, however, the people of North Korea are among the world’s poorest and most malnourished. The government of North Korea is against free markets. The economy is run according to government dictates and people are assigned to classes in a highly stratified society. The state provides for everyone, but those in the upper classes and the military receive far more than do the mass of workers and peasants. No one has to worry about those awful, corrupting “money bonds” the critics complain about, yet every year many North Koreans risk their lives to escape the country. By contrast, South Korea is a market society, the people are far more prosperous, and they are free to come and go as they please. How many market opponents would choose to live in North Korea rather than South Korea, despite their professed dislike for the “immorality” of free markets?</p>
<p class="p1">Peaceful, honest competition / What about competition, which market critics assail as divisive? Rather than dividing people, the evidence shows that it induces them to find ways to satisfy others. As the authors write:</p>
<p class="p1">Competition ensures that only those who serve others can maintain and accumulate wealth. Stated another way, the more competitive the market, the more becoming and staying wealthy depends on discovering what consumers (including poor consumers) want.</p>
<p class="p1">Competition is an inescapable component of life, but market competition leads to a search for ways of getting ahead by peaceful means. Where markets are absent, competition simply takes other forms, such as the violence and oppression in North Korea.</p>
<p class="p1">Once people have amassed wealth through their market activities, they are able and often quite willing to devote some of that wealth to helping the needy. Storr and Choi write, “At their core, successful market transactions require our recognizing how our actions or possessions can improve the lives of others.” Bill Gates, for one, has put billions of his fortune into programs in Africa to conquer disease and bring clean water to people. Markets therefore make it possible for people to afford to care about others; take exchange away and there would be far less altruism in the world.</p>
<p class="p1">Another morality-enhancing feature of free markets is the way they encourage honesty and punish dishonesty. Market competition not only spurs people to discover new and better ways of doing things, it also helps us to learn about the people we might want to deal with. According to the authors, “Markets are spaces where we not only discover profit opportunities, but also where we discover whether or not the people with whom we are interacting are good or bad people.” In the free market, reputation—whether as a seller or buyer—matters a lot. We want to find out if the firms from which we buy live up to our moral standards and the market provides such information. We also want to know if those to whom we might sell are apt to pay or not, and the market provides that information. Markets thus deter cheating and immorality. In short, they are, the authors argue, “moral training grounds.”</p>
<p class="p3"><b>Criticisms</b></p>
<p class="p1">There is much more to the case Storr and Choi present in favor of the morality of markets, but I’d like to focus on what I see as three weak spots in the book.</p>
<p class="p1">First, they note in passing that there are moral costs from curtailing market activity. Sadly, they don’t develop that point. The moral costs of interventionism against peaceful economic activity is one of the great problems with all nonmarket systems. At least several pages should have been devoted to exposing the villainy that inevitably erupts whenever we empower government to prevent market activity. A century ago, to cite one example, America embarked upon a supposedly noble experiment by outlawing the market for alcoholic beverages. Some people thought that Prohibition would make America a better country, but it led to massive violence and corruption. The same error is being made today with the “war on drugs.” Elitists who rail against markets always ignore the costs of government actions to prevent trade they don’t like. I wish the authors had made a big point of the moral costs of anti-market crusades. It’s crucial to the case against interventionism.</p>
<p class="p1">Second, again in the “missed opportunity” vein, the authors never attack the implicit assumption of market opponents that humans are naturally kind, cooperative, and altruistic in the absence of market competition. Relying on that hidden premise, it’s easy to blame the market for all the world’s greed, rapacity, and violence. Human beings, however, are not hardwired to be good; bad behavior occurs in settings that have no taint of market “corruption.” For thousands of years, people have fought wars over religion, stolen from each other, cheated at games and on spouses, lied and schemed to obtain favors, killed out of jealousy, and so on. Put children together and fights often break out over toys or clothing or something else. Human morality is pretty impure to start with and market competition isn’t responsible for that. The authors would have strengthened their book if they had made that point.</p>
<p class="p1">Finally, Storr and Choi concede too much when they confront the case of “noxious markets.” Such markets elicit “discomfort and revulsion” among some people, thereby providing “sufficient reason to regulate or block such markets.” What kinds of markets are these? According to philosopher Debra Katz, a noxious market is one where the parties are unable to interact as equals, where the transaction is rooted in desperation, humiliation, or begging. She and other interventionists have pointed, for example, to markets for human organs, blood, and sex as fitting the “noxious” description.</p>
<p class="p1">The authors have nothing to say about that. Instead, they write:</p>
<p class="p1">Once we as a society have resolved whether or not a particular market is noxious and have also established the source(s) of its noxiousness, we can then tailor a policy that addresses the particular problems with that market.</p>
<p class="p1">That just won’t do. If you’re really in favor of allowing people to trade peacefully, you can’t also say that it’s up to “society” to decide whether some kinds of peaceful trade should be limited or blocked. If two people want to transact for a kidney or blood or sex or anything else, that’s no business of others, unless they want to peacefully offer one party something better. Instead, market opponents insist that government step in—which is what Storr and Choi criticize in the rest of the book. In taking their muddled position on “noxious markets,” the authors embolden market opponents to say: Look, even these pro-market economists admit that society should decide to step in and stop markets that are unfair. And we have a list of what those markets are.</p>
<p class="p1">Despite my quibbles, this is an outstanding and timely book. The talk we hear constantly about the supposed evils of economic liberty is eroding the foundation of our society. Joseph Schumpeter was onto something when he prophesied that capitalism would be brought down by its very success, which makes it possible for grumblers like Marx and Bernie Sanders to live comfortably while pontificating about how terrible market society is. We can’t begrudge those complainers their comforts, but we must not let their complaints about capitalism deprive people of their freedom. This book is a big step toward restoring confidence in the morality of free markets.</p>
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<title>Fitting Accords</title>
<link>https://www.insurance-advocate.com/2020/10/20/fitting-accords/</link>
<dc:creator><![CDATA[Steve Acunto]]></dc:creator>
<pubDate>Tue, 20 Oct 2020 07:48:09 +0000</pubDate>
<category><![CDATA[October 20]]></category>
<category><![CDATA[Foreword]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12533</guid>
<description><![CDATA[<p>Homie, a fast-growing full-service real estate technology company has announced the expansion of its affiliated company Homie Insurance to Southern Nevada, “saving homebuyers time and money in securing home insurance”. Point is, as they state in a press release, “Homie continues to reinvent the homebuying experience and now, its affiliate Homie Insurance has launched in […]</p>
The post <a href="https://www.insurance-advocate.com/2020/10/20/fitting-accords/">Fitting Accords</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p>Homie, a fast-growing full-service real estate technology company has announced the expansion of its affiliated company Homie Insurance to Southern Nevada, “saving homebuyers time and money in securing home insurance”. Point is, as they state in a press release, “Homie continues to reinvent the homebuying experience and now, its affiliate Homie Insurance has launched in Southern Nevada.” As an independent broker, Homie Insurance does the shopping and offers a customized homeowner policy “at the best available price” by shopping multiple top-rated companies like Allstate, Progressive, Travelers, and others. Rates are said to be the same that a customer would get from shopping directly with each company. For more information, visit: https://www.homieinsure.com/……..The Professional Insurance Agents of New York State, announced Anthony Kammas will receive its Professional Agent of the Year, posthumously. The Professional Agent of the Year award is given to a professional, independent agent who has demonstrated excellence and achievement in insurance marketing and service; has shown a personal commitment to professionalism; and has contributed to PIA and the community. “During his career, Anthony demonstrated a deep level of dedication to our industry and his community. He earned the admiration of his colleagues, customers and neighbors alike,” said John Tomassi, CPCU, president of PIANY. We are honored to recognize Anthony with this award.” At the time of his death, Kammas was president-elect for PIANY for 2020-21. He was a revered leader of PIANY and was planning his term as president with great enthusiasm. He served in nearly every leadership role in PIANY, and garnered the respect of his peers and community for his many other volunteer efforts.Kammas passed away on June 29, 2020, at age 49. R.I.P.</p>
<p class="p2">Class move by PIANY leadership………..NJM Insurance Group, a leading property and casualty insurer in the Mid-Atlantic region, has for the third year received the Auto Claims Certification for providing an outstanding personal auto claims experience from J.D. Power. NJM is the first and only insurance company in the nation to hold this designation. “We are once again heartened to receive this independent recognition of our continued commitment to policyholder service,” said Mitch Livingston, NJM president and CEO. “This year, NJM employees have truly risen to the occasion, delivering the highest levels of service despite the challenges brought on by the pandemic.” Accept our applause, NJM.<span class="Apple-converted-space"> </span><b><i>SA</i></b></p>
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<title>Artificial Intelligence Review of Insurance Contracts – Are we there yet?</title>
<link>https://www.insurance-advocate.com/2020/10/20/artificial-intelligence-review-of-insurance-contracts-are-we-there-yet/</link>
<dc:creator><![CDATA[Guest Author]]></dc:creator>
<pubDate>Tue, 20 Oct 2020 06:46:21 +0000</pubDate>
<category><![CDATA[October 20]]></category>
<category><![CDATA[Artificial Intelligence]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12530</guid>
<description><![CDATA[<p>by Joe Chvasta, JD, MBA, CPCU The use of Artificial Intelligence to review insurance contracts is growing as AI tools can rapidly compare a high volume of contract clauses and make human reviewers faster and more effective. First implemented in 2011, the technology automating the review of contracts has progressed dramatically, leading to the question […]</p>
The post <a href="https://www.insurance-advocate.com/2020/10/20/artificial-intelligence-review-of-insurance-contracts-are-we-there-yet/">Artificial Intelligence Review of Insurance Contracts – Are we there yet?</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p><strong>by <span class="s1">Joe Chvasta, JD, MBA, CPCU</span></strong></p>
<p class="p1">The use of Artificial Intelligence to review insurance contracts is growing as AI tools can rapidly compare a high volume of contract clauses and make human reviewers faster and more effective. First implemented in 2011, the technology automating the review of contracts has progressed dramatically, leading to the question if AI technology by itself is ready to totally automate the review of contracts or if it remains a tool to assist humans in their contract review.</p>
<p class="p1">Insurance companies are adopting AI contract review for greater efficiency.</p>
<p class="p1">Insurance companies are joining law firms and other large corporations by adopting AI for contract review due to its efficiency compared to using lawyers, paralegals and other persons. LawGeex, a leader in AI contract review, is used by three of the five largest insurance companiest. LawGeex estimates that contract review by AI saves 80% of the time and 90% of the cost and results in deals closing three times faster. Kira Systems, a provider with insurance company and law firm clients estimate cost savings at 60% while other sources estimate total cost savings at a still hefty 50%. One insurance company leading in the use of AI contract review is Swiss Re which writes about 20,000 contracts a year using an AI tool to compare single clauses against the entire data set expediting the underwriting process. Some in the industry believe that comprehensive contract review without AI is impossible. One analyst commented that an insurance company could not hire enough underwriters and lawyers to review a high volume of contracts with any depth unless they used AI.</p>
<p class="p3"><b>What is Artificial Intelligence?</b></p>
<p class="p1">Artificial Intelligence consists of many related technologies including: “Machine Learning,” a subset of AI in which computers use algorithms and statistical models to identify patterns in data and adapt with experience and without the need for reprogramming. Machine learning makes predictions based on data and uses techniques such as decision trees.</p>
<p class="p1">“Deep Learning,” a type of machine learning loosely modeled on the neural pathways of the human brain. Deep learning is a self-learning model where algorithms attempt to model high level abstractions in data and requires more computational power than other types of machine learning. “Natural Language Processing (NLP),” a type of machine learning with the ability of a computer to understand, analyze, manipulate, and potentially generate human language. NLP is useful for identifying and tagging phrases in a document. “Optical character recognition (OCR)” is a type of natural language processing.</p>
<p class="p3"><b>How does AI review contracts?</b></p>
<p class="p1">AI is used both to review individual contracts and a high volume of contracts. The process of contract analysis for a large volume of contracts typically involves five steps:</p>
<p class="p1">1. Importing contract documents into a database. This can be done multiple ways including drag-and-drop, upload directs, imports, etc.</p>
<p class="p1">2. The AI software automatically converts the files into machine readable forms. The software works with numerous document formats. Then OCR or another AI tool is used to extract key items and clauses as per specified by the user and tagged for further review.</p>
<p class="p1">3. Place the contracts with tagged clauses into a searchable repository. With some software the user may participate in the review before contracts are stored.</p>
<p class="p1">4. Use AI such as machine learning to identify patterns in the data and analyze them looking for variances from a set standard wording.</p>
<p class="p1">5. Provide customized reports with charts and summaries for almost any data point selected by the user.</p>
<p class="p1">By comparing many like clauses AI can identify the core concepts found in each clause and conversely, identify the variances from core concepts. For example, an insurance company may want to review all of the waiver of subrogation clause endorsements found in its policies to confirm that the waiver is mutual, the core concept of the clause. If the AI tool finds that some of these clauses lack mutuality it would flag these contracts for further review. Another example of a clause subject to review on a high volume in an insurance contract is a cure clause such as how long does the party at fault have to correct the default. AI can look for variations from the base wording on the number of days to cure a default and if there is a variance for further review flag it. Properly used AI would facilitate keeping a group of contracts uniform.</p>
<p class="p1">Human Review of flagged clauses. A human ultimately reviewing the contracts flagged by the AI tool is expected. At this time algorithms used by AI do not have the judgment for a nuanced read of a contract clause. Similarly, the algorithms lack the nuanced understanding of how conflicting contract clauses work together.</p>
<p class="p1">AI models have different approaches to review by a human. LexCheck streamlines the review process by automatically correcting contract provisions, highlighting issues for review and proposing possible fixes. LawGeex uses AI to analyze contracts one at a time where the user selects from a list of clauses and variations to require, accept or reject. The AI scans the contract to see what clauses and variations are present. The language at issue is highlighted with a green thumbs-up or red thumbs-down per the user’s guidelines.</p>
<p class="p1">3. Most providers of AI contract review allow users to review features and increase or decrease the level of human review. More human review will be more expensive. On the other hand, there are situations where additional human review may be necessary as when the policy language is vague or where the clause at issue may at some point be subject to regulatory scrutiny. In September 2020, Kira Systems adopted “Answers and Insights,” a smart field for contract review. Users can ask the software a question about the data, such as “will this policy renew automatically?” and receive a straightforward answer. Alternatively, the software also allows the reviewer to pick from pre-selected questions and choose answers in either yes/no or multiple-choice formats, a capability which users have long requested as a way to speed up the review process.</p>
<p class="p1">When is AI better?</p>
<p class="p1">The tremendous speed of AI in reviewing a high volume of contracts for uniformity allows it to quickly separate contracts with acceptable clauses from those needing further review. This is perhaps the greatest value of AI in contract view – simply reducing the number of contract clauses needing human review.</p>
<p class="p1">Another advantage is that the results of the AI tool derived from the data can be validated statistically. The data results would be able to estimate the accuracy of a model’s predictions on unobserved cases. Accordingly, the user would have an understanding of the likelihood of a certain event. For example, if the AI tool found that the original sample of insurance policies all had a mutual waiver of subrogation, AI can use the data from the sample to predict the likelihood of other policies with the same characteristics having the same mutual waiver of subrogation.</p>
<p class="p1">AI is also better when the language of the contract is in a language other than the human reviewer’s native language as it can translate the contract to the reviewer’s native language. The value of this is apparent when the reviewer is managing a large volume of contracts in multiple languages.</p>
<p class="p1">In insurance policies AI is especially valuable in flagging policy renewal dates so that they can be reviewed for changes before the regulatory deadline for policy revisions on a policy renewal. AI can also identify when an insurance policy requires a future obligation by the insurer, such as a dividend or return of premium. Likewise, AI can monitor contractual obligations by an insured including premium payments and changes required by a safety inspection without the need of a human to track compliance by the insured.</p>
<p class="p1">When are humans better? There’s a reason that current AI software for contract review is designed to have additional review by humans. Humans are better at understanding the nuances of a vague contract clause. There are other functions in the contract process besides review where humans are better than AI. Humans are better at strategy, creativity, judgment and empathy and the activities that use these tools including:</p>
<p class="p1">· Advocacy.</p>
<p class="p1">· Negotiation.</p>
<p class="p1">· Structuring of the initial contract.</p>
<p class="p1">· Making revisions outside of a defined template.</p>
<p class="p1">· Correcting or explaining contracts subject to regulatory scrutiny.</p>
<p class="p1">· Understanding the nuance of vague contract wordings.</p>
<p class="p1">· Understanding the nuance of contractual clauses that conflict with other clauses.</p>
<p class="p1">Humans are better when there is an issue with a regulatory or compliance matter. One of the issues with AI is understanding how the algorithm made the decision. In insurance this would be especially important when a policy is being non-renewed or cancelled. A human, typically working from written guidelines, can better explain their decision process to a regulator than an AI tool that used thousands of factors in its decision. The insurance company representative in this situation would have a difficult time explaining which factor or factors the AI tool found determinative.</p>
<p class="p1">The list of activities where humans are better is generally with the contract process itself. For contract review humans alone cannot match the speed and efficiency of AI in reviewing a high volume of contracts or even a single contract. The areas of contract review where humans are better involve nuance such as vagueness in a clause or vagueness due to conflicting clauses and this review can be done in conjunction with AI tools, too.</p>
<p class="p3"><b>Are we there yet?</b></p>
<p class="p1">The value of AI when reviewing similar clauses with a large volume of contracts is unmistakable. The question is what level of human review is necessary to ensure that the contracts under review are meeting the requirements of the insurance company and its regulators for acceptable language. One approach is to use AI for first and final review. In the initial review AI will separate the contracts that meet all user requirements from those requiring additional review. Then humans with or without further assistance from AI will review the clauses for corrections so that they are correct and uniform. Then AI will conduct a final review for uniformity.</p>
<p class="p1">Even as AI develops humans will continue to take the lead in creating new contracts where our strategy, creativity, judgment and empathy are not available to AI. Similarly, humans will continue to negotiate drafts of contracts. There is no answer to the question of “Are we there yet?” as it depends on what we are expecting AI to do. Once humans set the parameters, are we expecting AI to do a total review of a contract without further human involvement? Or are we expecting AI to tell us what’s wrong with the contracts by pointing out variances without having received human input during the review process? The question becomes how much thinking do we want AI to do when reviewing contracts? As there are no commonly accepted goals, I suspect that we will not have the answer to “Are we there yet?” anytime soon.</p>
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<title>Vouch Insurance Expands Coverage to New York</title>
<link>https://www.insurance-advocate.com/2020/10/20/vouch-insurance-expands-coverage-to-new-york/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Tue, 20 Oct 2020 05:38:13 +0000</pubDate>
<category><![CDATA[October 20]]></category>
<category><![CDATA[In The News]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12527</guid>
<description><![CDATA[<p>Vouch Insurance, the business insurance platform for startups, announced the expansion of its coverage into New York, one of the largest and most resilient hubs for innovation in the world. The expansion will bring risk mitigation to local startups as they scale their technologies within one of the leading U.S. technology markets. In a tumultuous […]</p>
The post <a href="https://www.insurance-advocate.com/2020/10/20/vouch-insurance-expands-coverage-to-new-york/">Vouch Insurance Expands Coverage to New York</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1">Vouch Insurance, the business insurance platform for startups, announced the expansion of its coverage into New York, one of the largest and most resilient hubs for innovation in the world. The expansion will bring risk mitigation to local startups as they scale their technologies within one of the leading U.S. technology markets.</p>
<p class="p1">In a tumultuous year defined by the COVID-19 pandemic and its widespread economic impact, New York’s startup and venture capital landscapes are increasingly crucial to the state’s economy, playing a key role in New York’s perseverance and growth as it rebuilds. With over 9,000 startups valued at $147 billion, New York is already the second most valuable startup ecosystem in the world. Building resilient business foundations is more crucial than ever as this growth continues amidst the COVID-19 landscape.</p>
<p class="p1">As one of the only insurtechs in the U.S. with the specific technology to underwrite and serve early stage startups, Vouch has expertise in the unique risks that New York startups face. In addition to nationwide economic challenges including a 40% drop in startup exits across the U.S., New York’s tech companies must also navigate the uncertainties of reopening and some of the country’s strictest employment laws, subjecting them to intense scrutiny as they expand their remote and in-person workforces. Vouch will play an essential role in helping startups plan for these challenges by delivering risk mitigation expertise, anti-workplace harassment training from partner Ethena, and rapid, affordable insurance coverage that understands the nuances of their company and the importance of ethical business foundations.</p>
<p class="p1">“New York is not just for digital media and fintech anymore. My experiences working with startups in New York taught me what it takes to thrive in one of the world’s most critical tech hubs, and showed me how New York’s startup diversity is its strength,” said Vouch CEO and co-founder, Sam Hodges. “Our goal is to help New York’s disruptive startups bend the risk curve by leading scaled-up, ethically-managed companies that are building for the future amid the challenges and opportunities ahead.”</p>
<p class="p1">Vouch’s expansion comes after a year of powerful momentum for the company. After raising a $24.5M series A in September 2019 and following with a $45M series B in November 2019, Vouch scaled its insurance coverage throughout 22 states in less than 12 months, and expanded its offering to serve mature series B-level startups in July 2020. In September 2020, Vouch announced an industry-first partnership with leading anti-harassment training company Ethena, creating a new standard for responsible startups. The New York expansion marks a major milestone in Vouch’s growth, making its services available to 91% of the venture-backed startup market nationwide.</p>
<p class="p1">Vouch underwrites proprietary coverage for startups of up to 150 employees and $75 million in capital raised. Its digitized underwriting platform and personalized approach to risk mitigation create a tailored package of insurance policies within 10 minutes and implementation within 24 hours (a sharp contrast from the average 60-90 day timeline of traditional insurers). Vouch’s coverages include Business Property, General Liability, Directors & Officers, Employment Practice Liability, and Cyber Coverage.</p>
<p class="p1">Vouch’s proprietary policies are backed by Digital Partners, a Munich Re company, one of the largest A-rated reinsurers in the world. Vouch is also a preferred insurance provider for Silicon Valley Bank, and backed by Y Combinator Continuity.</p>
<p class="p1">Vouch is backed by Y Combinator, Ribbit Capital, and Index Ventures, and is backed and trusted by Silicon Valley Bank to serve its client base. Vouch has offices in San Francisco and Chicago.</p>
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<title>Willis Towers Watson Launches Partnership with the Wharton School’s Mack Institute</title>
<link>https://www.insurance-advocate.com/2020/10/20/willis-towers-watson-launches-partnership-with-the-wharton-schools-mack-institute/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Tue, 20 Oct 2020 04:36:42 +0000</pubDate>
<category><![CDATA[October 20]]></category>
<category><![CDATA[In The News]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12525</guid>
<description><![CDATA[<p>Willis Towers Watson (NASDAQ: WLTW), a leading global advisory, broking and solutions company, announced it is joining the Mack Institute for Innovation Management at the Wharton School, University of Pennsylvania, as a corporate partner. Through the Mack Institute’s renowned events and workshops and its global network of corporate partners, the Willis Research Network anticipates gaining […]</p>
The post <a href="https://www.insurance-advocate.com/2020/10/20/willis-towers-watson-launches-partnership-with-the-wharton-schools-mack-institute/">Willis Towers Watson Launches Partnership with the Wharton School’s Mack Institute</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1">Willis Towers Watson (NASDAQ: WLTW), a leading global advisory, broking and solutions company, announced it is joining the Mack Institute for Innovation Management at the Wharton School, University of Pennsylvania, as a corporate partner.</p>
<p class="p1">Through the Mack Institute’s renowned events and workshops and its global network of corporate partners, the Willis Research Network anticipates gaining compelling insights into the challenges companies across industry face including:</p>
<p class="p1">• The Future of Work and the accelerated emerging technologies influencing the organizational business models</p>
<p class="p1">• Specific insights into the Technology, Media and Telecommunications business sector, building on a successful portfolio of work previously completed at Willis Towers Watson</p>
<p class="p1">• Strategic areas for innovation and opportunities to challenge the perception of risk</p>
<p class="p1">Willis Towers Watson aims to ensure clients can benefit from in-depth research that we pursue in many arenas. The Mack Institute’s focus on applied, practical research areas complements a growing emphasis of the Willis Research Network on People and Technology related risks. Willis Towers Watson is participating in the Institute’s Collaborative Innovation Program — which connects Wharton students with the Institute’s corporate partners — for support with identifying, by the end of 2020, potential challenges and impacts to the corporate risk landscape including and building on those we identified in our 2016 Technology, Media and Telecommunications Risk Index.</p>
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<title>Applied Underwriters Announces Formation of Applied Specialty Underwriters, Names Christopher Day President of the New Company</title>
<link>https://www.insurance-advocate.com/2020/10/20/applied-underwriters-announces-formation-of-applied-specialty-underwriters-names-christopher-day-president-of-the-new-company/</link>
<dc:creator><![CDATA[Insurance Advocate]]></dc:creator>
<pubDate>Tue, 20 Oct 2020 03:35:41 +0000</pubDate>
<category><![CDATA[October 20]]></category>
<category><![CDATA[In The News]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12523</guid>
<description><![CDATA[<p>Steve Menzies, CEO of Applied Underwriters, today announced the creation of Applied Specialty Underwriters, LLC to focus on select Casualty E&S risks across the country, with an initial focus on large construction in New York. Christopher Day, CPCU, has been named President of the new company and will be joined by 11 veteran underwriters in […]</p>
The post <a href="https://www.insurance-advocate.com/2020/10/20/applied-underwriters-announces-formation-of-applied-specialty-underwriters-names-christopher-day-president-of-the-new-company/">Applied Underwriters Announces Formation of Applied Specialty Underwriters, Names Christopher Day President of the New Company</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1">Steve Menzies, CEO of Applied Underwriters, today announced the creation of Applied Specialty Underwriters, LLC to focus on select Casualty E&S risks across the country, with an initial focus on large construction in New York. Christopher Day, CPCU, has been named President of the new company and will be joined by 11 veteran underwriters in the sector to spearhead Applied Specialty’s development. The Company has identified General Liability, Excess Liability, and Workers’ Compensation for New York construction as its initial offerings. Applied Specialty is presently appointing wholesalers who, in turn, will work with independent agents and brokers to provide the Company’s innovative, customized products and services to businesses.</p>
<p class="p1">According to Mr. Menzies, the current market segment’s needs and the applied strengths of the assembled team at Applied Specialty will create a new force in the marketplace. “Our year-long research, together with business and broker demand, have led us to create Applied Specialty and to offer the coverages, formats, and pricing they seek for several specialized lines. The naming of Christopher Day to head this effort signifies our commitment to our partners across the nation to provide the leadership and market expertise of an</p>
<p class="p1">experienced, accomplished underwriting professional. Chris has a solid track record as a business developer and multi-product line professional who will now have the advantages of collaborating with an additional eleven sector-focused underwriters and the overall support of our operational staff in Omaha to serve what we believe will be a large, appreciative clientele over the years ahead,” Mr. Menzies stated.</p>
<p class="p1">Mr. Christopher Day noted that Applied Specialty has already begun to operate in its target market space and information can be found at its website, specialty.auw.com. “Our professional staff has begun to undertake customized solutions with our brokers, and we have started to accept submissions for New York multi-line construction wrap-ups, renewable general contractor policies and construction excess liability placements. Applied Specialty is on its way to a major position in our segments of the insurance marketplace,” Mr. Day said.</p>
<p class="p1">Mr. Christopher Day, CPCU, has held a succession of top positions in the Property and Casualty field during his 28-year career in which he has been responsible for more than $2.5 Billion in premiums. Most recently, he served as President of the Casualty Group at Tokio Marine HCC and, before that, as President, Primary Casualty, for Navigators Group, Inc. Mr. Day had also served as National Product Director – Specialty Primary Casualty for Fireman’s Fund Insurance Company. He holds degrees from Loyola University of Chicago, Graduate School of Business (MBA), and from Denison University (BA, History and Geology) where he captained the swim team. Mr. Day has earned the Chartered Property Casualty Underwriter designation and has participated actively in many industry and charitable groups, notably the Ann and Robert H. Lurie Children’s Hospital of Chicago where he has volunteered for many years.</p>
<p class="p1">The founding of Applied Specialty follows other transactions earlier this year as Applied Underwriters acquired Blue Ridge Specialty Group of Greenfield, South Carolina, a managing general underwriter specializing in trucking-</p>
<p class="p1">related risks, and acquired the Centauri group of companies from its primary shareholder AXA/XL.</p>
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<title>Unlicensed Doctor Convicted of Insurance Fraud and Other Crimes</title>
<link>https://www.insurance-advocate.com/2020/10/20/unlicensed-doctor-convicted-of-insurance-fraud-and-other-crimes/</link>
<dc:creator><![CDATA[Barry Zalma]]></dc:creator>
<pubDate>Tue, 20 Oct 2020 01:14:26 +0000</pubDate>
<category><![CDATA[October 20]]></category>
<category><![CDATA[On My Radar]]></category>
<guid isPermaLink="false">https://www.insurance-advocate.com/?p=12515</guid>
<description><![CDATA[<p>After Patrick E. Usanga (Usanga) was convicted for many crimes of fraud he appealed his convictions unsuccessfully and then filed Post Conviction Relief Act motion to set aside the conviction in Commonwealth of Pennsylvania v. Patrick E. Usanga, J-S29031-20, No. 1946 EDA 2019, Superior Court of Pennsylvania (July 13, 2020).Usanga appealed pro se (proving the […]</p>
The post <a href="https://www.insurance-advocate.com/2020/10/20/unlicensed-doctor-convicted-of-insurance-fraud-and-other-crimes/">Unlicensed Doctor Convicted of Insurance Fraud and Other Crimes</a> first appeared on <a href="https://www.insurance-advocate.com">Insurance Advocate</a>.]]></description>
<content:encoded><![CDATA[<p class="p1">After Patrick E. Usanga (Usanga) was convicted for many crimes of fraud he appealed his convictions unsuccessfully and then filed Post Conviction Relief Act motion to set aside the conviction in Commonwealth of Pennsylvania v. Patrick E. Usanga, J-S29031-20, No. 1946 EDA 2019, Superior Court of Pennsylvania (July 13, 2020).Usanga appealed pro se (proving the old saying that he had a fool for an attorney) from the order denying his first petition filed pursuant to the Post Conviction Relief Act (PCRA) in the Court of Common Pleas of Philadelphia County (PCRA court).</p>
<p class="p3"><b>FACTS</b></p>
<p class="p1">The court took the following factual background and procedural history from our independent review of the record, this Court’s August 16, 2017 opinion, and the PCRA court’s December 16, 2019 opinion. A previous panel of this Court set forth the relevant factual background of this matter as follows: [Usanga], a Nigerian-born United States citizen [,] obtained a medical degree from the University of Guadalajara in Mexico in 1982. He took the board examination to be a licensed medical doctor in Pennsylvania several times in the 1980s and [19]90s, but did not pass. On May 19, 2009, he filed the necessary paperwork to incorporate a health care facility, Northeast Behavioral Medicine, Inc., with himself as the sole officer of the corporation. . .. He applied for and received a license to operate a psychiatric clinic soon after incorporation. At all times during the period of time Northeast Behavioral Medicine was in business and seeing patients, [Usanga] was the only provider at the facility.</p>
<p class="p1">During that period, he saw patients for various mental health and substance abuse issues. Several of his former patients testified that he told them that he was either a psychologist or a psychiatrist. As a result of the services provided by the Appellant, he billed various insurance companies including Aetna and Blue Cross, for his services. Usanga billed Aetna $24,950.00 and received $5,036.38 as an out-of-network provider. Blue Cross paid a total of $15,763.84 to him. That money was deposited in a TD Bank account owned by Usanga. Concurrently to the period of time that Usanga was operating Northeast Behavioral Medicine, he was also collecting unemployment compensation and Social Security disability benefits. However, Usanga was not entitled to unemployment benefits once he incorporated his business and became self-employed. The Pennsylvania Department of Labor determined that the Appellant was paid $52,000.00 in unemployment compensation that he was not entitled to receive. On August 15, 2013, the Commonwealth charged Usanga with twenty-seven counts of Insurance Fraud, eleven counts of Tampering with Public Records, four counts of Theft by Deception, two counts of Attempted Theft, two counts of Harassment and one count of Making False Statements Regarding an Unemployment Compensation Claim. On March 16, 2015, Usanga appeared for a jury trial. On the fifth day of trial, March 23, 2015, he failed to appear and trial continued without him. On March 26, 2015, a jury convicted him of twenty-three counts of Insurance Fraud, four counts of Theft by Deception and eight counts of Tampering with Public Records. The court convicted him of one count of Making False Statements Regarding an Unemployment Compensation Claim.</p>
<p class="p1">On May 20, 2015, the court sentenced him to an aggregate term of incarceration of not less than six nor more than twelve years, plus five years’ reporting probation. After his post-sentence motions were denied, Usanga appealed, and this Court affirmed his judgment of sentence on August 16, 2017. He did not seek further review in the Pennsylvania Supreme Court. On June 5, 2018, Usanga filed his first PCRA petition pro se. Usanga raised ten issues for review which included eight claims of trial court error, a claim of ineffective assistance of counsel, and a discretionary aspects of sentence challenge. He maintains that the trial court erred. To be eligible for relief, a petitioner must plead and prove by a preponderance of the evidence that he has been convicted of a crime and that his conviction resulted from one or more of the enumerated circumstances identified in the statute, including:</p>
<p class="p1">1.A violation of the Constitution of this Commonwealth or the Constitution or laws of the United States which, in the circumstances of the particular case, so undermined the truth-determining process that no reliable adjudication of guilt or innocence could have taken place.</p>
<p class="p1">2.Ineffective assistance of counsel which, in the circumstances of the particular case, so undermined the truth-determining process that no reliable adjudication of guilt or innocence could have taken place.</p>
<p class="p1">3.A plea of guilty unlawfully induced where the circumstances make it likely that the inducement caused the petitioner to plead guilty and the petitioner is innocent.</p>
<p class="p1">4.The improper obstruction by government officials of the petitioner’s right of appeal where a meritorious appealable issue existed and was properly preserved in the trial court.</p>
<p class="p1">5.Deleted.</p>
<p class="p1">6.The unavailability at the time of trial of exculpatory evidence that has subsequently become available and would have changed the outcome of the trial if it had been introduced.</p>
<p class="p1">7.The imposition of a sentence greater than the lawful maximum.</p>
<p class="p1">8.A proceeding in a tribunal without jurisdiction. [42 Pa.C.S. § 9543(a)(2)]. To be eligible for relief under the PCRA, a petitioner must also prove by a preponderance of the evidence that his claims have not been previously litigated or waived. It is well-settled in Pennsylvania that allegations of trial court error are waived at the collateral review stage because they could have been raised on direct appeal. Put another way, where a defendant could have raised claims of trial error in his direct appeal but failed to do so, they are waived for the purpose of PCRA review and can afford a defendant no basis for relief. In this case, Usanga could have raised his claims of trial court error and his challenge to the discretionary aspects of his sentence on direct review but failed to do so. Therefore, they are waived and cannot form the basis for PCRA relief. Usanga, as a last effort, claimed his counsel was ineffective. To establish an ineffectiveness claim, a defendant must prove: 1)the underlying claim has arguable merit; 2)no reasonable basis existed for counsel’s actions or failure to act; and 3)appellant suffered prejudice as a result of counsel’s error such that there is a reasonable probability that the result of the proceeding would have been different absent such error. Failure to prove any prong of this test will defeat an ineffectiveness claim. Since Usanga’s claims were meritless the court will refuse to find counsel ineffective for failing to raise a meritless claim. Other than alluding to the ineffectiveness prongs in his heading to the prejudice prong in his claim about trial counsel’s cross-examination of a witness. Instead, he merely lists each allegation of error without framing them as ineffective assistance of counsel claims. Usanga has failed to meet his burden to plead and prove any of the three ineffectiveness prongs and he is due no relief. The PCRA court’s order dismissing Usanga’s PCRA petition was affirmed.</p>
<p class="p3"><b>ZIFL OPINION </b></p>
<p class="p1">Those who defraud insurers are people with unmitigated gall and even when they have been caught, have been tried, and convicted by a jury of their peers, they will continue to bother and annoy the court system until they get so annoyed that they let him out of jail.</p>
<p class="p1">The court refused to honor the stupidity of the claim for PCRA relief but still had to take the time to review the pleadings and briefs and write an opinion. If he has any of his ill-gotten gains still available, he should be assessed sanctions to remove from his control all of the monies he took from the insurers and pay indemnity to those who allowed him to treat them as if he was a licensed physician.</p>
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