The Demotech Difference

Our Latest Issue

Technology Leads the Way, but Communication Will Always be King

Spring is here, and there’s much shaking and shifting going on all around us.

This issue features an article by Ariel Rivera on the absolute necessity of cyber liability and identity theft protection, now, more than ever, while an article by Smith and Toomey defines the increasingly complex threat of insurance fraud as a problem that now requires a coordinated, global response.

Rafael Cedeño Camacho discusses the topic and description of intelligent risk management because of three current trends — the explosion of data, technological integration, and the evolution of customer expectations.

Speaking of the evolution of customer expectations, Leslie Sapienza writes about the need to rethink effective, personalized communication with policyholders.

Encouraging meaningful communication is at the heart of The Demotech Difference. Our purpose is to “feature unique perspectives from subject matter experts on emerging concepts, tools, and techniques, to encourage learning and the evolution of our industry.”
Because we depend on those industry experts to share their vast knowledge, our submission guidelines for articles do not allow submissions written by AI. We have reasons for stating this, but I do appreciate the case for business writing done by human hand that Rosalie Donlon describes in the Aartrijk blog in April.

“For business communications, especially in the insurance industry, nuance and context are more important than ever. You can often tell when an AI created a first draft, if not the entire piece of content, and no human has reviewed it. AI tends to err on the side of caution and choose ‘safe’ words and phrases, for example, ‘it’s worth noting’ or ‘I’m pleased to announce …’ Thoughtful writers, on the other hand, choose words that are more precise and convey feeling as well as meaning. Consider something like, ‘Did you know that only 4 percent of homeowners nationwide have flood insurance, according to FEMA? Are you among them?’”1

Well said.

Thoughtful writers precisely conveying meaning will always be appreciated, valued, and published in The Demotech Difference.

Strength Through the Storm

Strength Through the Storm was a special publication of The Demotech Difference. Given the impact of the extraordinary number of natural disasters in 2017, this special issue recognized the impact of those disasters on the insurance industry and on the nation.

Experts, first responders and leaders from the United States and Puerto Rico shared thoughts on the storms that pounded the nation by discussing how the industry responded. We looked at the effects of the disasters on each state, and we heard from disaster response leadership in areas that were hardest hit. We featured everyday heroes who went above and beyond the call of duty during the emergencies.

Strength Through the Storm is about promises made and promises kept through difficult times and the strength of Demotech-rated carriers that protect our communities.