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The Demotech Difference

The Demotech Difference is a quarterly magazine that facilitates meaningful communication and discussion. Each issue features unique perspectives from subject matter experts on emerging concepts, tools, and techniques, to encourage learning and the evolution of our industry.

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Our Latest Issue

Loving These Challenging Paths

For me, nothing is as enjoyable as hiking on unfamiliar paths in the woods, not knowing what lies around each turn. Will it be a challenging incline uphill, or maybe a turn leading to a stunning vista hidden by rocks and trees?

Accepting whatever comes on such paths is a requisite to hiking them. I may not be thrilled by a cardiac-testing hill, but it’s necessary to tackle it to get to pleasant overlooks.

A long path handled well has led to New York Central Mutual Fire Insurance Company celebrating 125 years of protecting their customers. Despite the challenges faced in over a century of business, members of the same family have kept their mission and their passion for people alive and well. They are an inspiration.

Changes and shifts come, but often do lead to good things. As Joseph Petrelli writes, the entrance of Demotech as a company that would review and rate smaller, independent insurers created a shift in the industry, and ultimately led to Demotech being a nationally recognized statistical rating organization with the U.S. Securities and Exchange Commission.

Several articles in this issue address, among other topics, major changes proposed by the NAIC in the ranking and evaluation of investments; the role of AI in insurance and how the industry can benefit from its use; and the mission of 4WARN, a company dedicated to helping organizations reduce the risk of targeted tech-enabled litigation.

Many of the articles in this issue explore changes and shifts in the industry, but they also highlight opportunities and innovative solutions. In the process of facing challenges and twists and turns, paths eventually lead to open spaces with great views.

Be inspired today, and tackle the present challenges while looking forward to those beautiful vistas ahead.

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cover photo of the book "Strength Through the Storm

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.

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