Demotech and 4WARN: Virtual Coffee Break with PIA National Will Demystify Nuclear Verdicts, Social Inflation and Increased Frequency of Litigation

Columbus, Ohio, July 2, 2024:

On July 16, 2024 at 11:00 a.m. eastern time, The National Association of Professional Insurance Agents (PIA National) opens its Virtual Coffee Break to insurance professionals seeking to understand nuclear verdicts, social inflation, the increased frequency of litigation, and the availability and affordability crisis that plagues consumers from state to state, line of insurance to line of insurance.

Joe Petrelli, President, Demotech, who initiated Demotech’s ground-breaking research project in March 2022 noted:  “No one is closer to the issues challenging consumers and insurers than the independent agent.  They see underwriting guidelines change, premiums rise, and they have to break the news to their clients.  Demotech’s research, undertaken by Todd Kozikowski, identified the business model that exacerbates every problematic issue the insurance industry faces.”

Todd Kozikowski, Co-founder, CEO, 4WARN shared:  “When Joe Petrelli reached out to me regarding the acceleration of contested claims in Florida for several carriers that became impaired,  I assumed this was a local weather-induced, geo-centric event. Investigating the targeting tactics of opportunists led to a nationwide discovery:  nearly all insurers and lines of insurance are being targeted. Additionally, the business model of ‘tech-enabled claim instigation’ was confirmed for the insurance industry as well as nearly every industry.  In addition, the customers of independent agents are being highly targeted, too.”

PIA members and insurance professionals are invited to this complimentary Virtual Coffee Break.  Register for the event at—4warn-demotech.  Come with questions.  Leave with answers.

About Demotech, Inc.

Established in 1985, Demotech, Inc. is a financial analysis firm located in Columbus, Ohio. Demotech has served the insurance industry by providing objective and independent Financial Stability Ratings® (FSRs) for Property & Casualty insurance companies, Life & Health insurance companies, and Title underwriters, among others.  As the first company to have its rating process formally reviewed and accepted by Fannie Mae, Freddie Mac, and HUD, Demotech has been leveling the playing field by offering FSRs to insurers of all sizes.  As of July 11, 2022, Demotech is registered with the U.S. Securities and Exchange Commission as a nationally recognized statistical rating organization (NRSRO) in the class of ratings for insurance companies. Visit for additional information.

About PIA National

PIA is the premier association for professional independent insurance agents; PIA has provided excellence to its members for 90 years.  PIA has members in all 50 states, Puerto Rico, U.S. Virgin Islands, District of Columbia, and Guam.  We are able to advance the independent agency system from coast-to-coast.  Visit for additional information.

About 4WARN

4WARNis an analytics and services organization delivering the first risk intelligence data to identify, assess, and mitigate litigation targeting and claims instigation. Our solutions are used by insurers, MGAs, reinsurers, transportation and logistics companies, and departments of insurance to evaluate litigation risks. 

As a team of insurance and analytics experts, 4WARN is dedicated to raising awareness and analyzing tech-enabled claims and litigation. Leveraging billions of data points, we monitor, track, report, educate, advocate, and empower organizations with data-driven insights to regain control of client interactions. Visit for additional information.