AI in P&C Personal Lines: Insurer Progress, Plans, and Predictions
- Author(s):
- Mark A. Breading, Partner
- Karen Pauli, Principal
- Publication Date:
- October 16, 2020
- Number of Pages:
- 15
- Price:
- $1,495.00 USD
Artificial Intelligence (AI) is transforming the P&C personal lines insurance business. The AI umbrella covers a number of technologies, and it is critical that personal lines insurers review each technology... more >
AI in P&C Commercial Lines: Insurer Progress, Plans, and Predictions
- Author(s):
- Mark A. Breading, Partner
- Karen Pauli, Principal
- Publication Date:
- October 9, 2020
- Number of Pages:
- 15
- Price:
- $1,495.00 USD
Artificial Intelligence (AI) is transforming the P&C commercial lines insurance business. The AI umbrella covers a number of technologies, and it is critical that commercial lines insurers review each technology... more >
Transformation in Action: Success Stories and Use Cases
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Karen Furtado, Partner
- Mark A. Breading, Partner
- Karen Pauli, Principal
- Publication Date:
- December 18, 2019
- Number of Pages:
- 25
- Price:
- $995.00 USD
SMA has released a new report on the 2019 SMA Summit: Transformation in Action which was held in New York City on December 4, 2019. more >
Foundational Technologies in Personal Lines Insurance: Investment, Adoption, and Business Areas
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Karen Furtado, Partner
- Mark A. Breading, Partner
- Karen Pauli, Principal
- Publication Date:
- July 12, 2019
- Number of Pages:
- 34
- Price:
- $2,495.00 USD
The personal lines segment of the insurance industry is quite active, with many initiatives and projects underway across the value chain at insurers today. more >
Foundational Technologies in Commercial Lines Insurance: Investment, Adoption, and Business Areas
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Karen Furtado, Partner
- Mark A. Breading, Partner
- Karen Pauli, Principal
- Publication Date:
- June 26, 2019
- Number of Pages:
- 34
- Price:
- $2,495.00 USD
SMA research indicates that over half of P&C insurers are in transformation mode. For commercial lines insurers, the need to transform is driven by forces new to the segment: customer... more >
Transformation in Action: Success Stories and Use Cases
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- September 28, 2018
- Number of Pages:
- 23
- Price:
- $995.00 USD
SMA has released a new report on the 2018 SMA Summit: Transformation in Action which was held in Boston on September 16 – 17, 2018. The Summit was a resounding success. more >
Agents and Brokers in the Digital Age
- Author(s):
- Mark A. Breading, Partner
- Karen Pauli, Principal
- Publication Date:
- August 24, 2018
- Number of Pages:
- 23
- Price:
- $1,495.00 USD
The demise of the independent agent and broker channel has been forecast for years. However, there is no evidence that this will be the case. more >
The Emerging Tech Landscape: 10 Mega-Trends for 2018 and Beyond
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- March 29, 2018
- Number of Pages:
- 13
- Price:
- $995.00 USD
There are so many developments in the technology world and so much change that it is difficult to keep up. more >
Data, Business Intelligence, and Analytics in Insurance – Agent View
- Author(s):
- Karen Pauli, Principal
- Publication Date:
- January 16, 2018
- Number of Pages:
- 17
- Price:
- $995.00 USD
Data and analytics initiatives are not just a priority for insurers. Agents and brokers are adopting and investing in capabilities as well. more >
Innovation is Mandatory: SMA Annual Innovation in Insurance Report
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- January 11, 2018
- Number of Pages:
- 13
- Price:
- $995.00 USD
Innovation is normalizing in business models and being woven into business strategies and plans, and insurers are figuring out how to create a culture of innovation. more >
Winning With Convergence: The 5 Foundational Realities
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- December 22, 2017
- Number of Pages:
- 16
- Price:
- $395.00 USD
The insurance industry is in transformation, resulting in huge challenges for managing current operations while leveraging new capabilities from InsurTech, emerging tech, and digital. more >
AI in P&C Insurance: Potential and Progress
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- November 9, 2017
- Number of Pages:
- 5
- Price:
- $395.00 USD
Artificial intelligence (AI) has big implications for the property/casualty industry. AI is not a single technology, but a whole series of related technologies, such as machine learning, text mining, natural... more >
2017 SMA Summit: Winning With Convergence
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- October 5, 2017
- Number of Pages:
- 15
- Price:
- $995.00 USD
This research report provides highlights from all of the speakers and sessions of the SMA Summit event held in Boston, September 18, 2017. more >
InsurTech and Personal Lines: Examples, Use Cases, and Implications
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Mark A. Breading, Partner
- Publication Date:
- October 4, 2017
- Number of Pages:
- 14
- Price:
- $995.00 USD
Data and Analytics in Life and Annuity: Addressing Customer Requirements with New Insights
- Author(s):
- Karen Pauli, Principal
- Publication Date:
- September 12, 2017
- Number of Pages:
- 12
- Price:
- $995.00 USD
L&A insurers have always had data and analytics skills within actuarial departments. However, as L&A insurers struggle to attract new customers, the lack of those capabilities in business units and... more >
Smart Cities and Insurance: Exploring the Implications
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- August 29, 2017
- Number of Pages:
- 15
- Price:
- $995.00 USD
The concept of smart cities is gaining momentum, and many cities around the world are developing smart city strategies and implementing specific projects. more >
Insurance Transformation: Looking 10 Years Back, Looking 10 Years Forward
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Mark A. Breading, Partner
- Publication Date:
- August 4, 2017
- Number of Pages:
- 14
- Price:
- $395.00 USD
The world has changed dramatically in the last 10 years and is likely to change even more dramatically over the next 10. more >
The New Era of Analytics in Insurance: Leveraging the SMA Data and Analytics Spectrum
- Author(s):
- Mark A. Breading, Partner
- Karen Pauli, Principal
- Publication Date:
- July 27, 2017
- Number of Pages:
- 13
- Price:
- $995.00 USD
Business intelligence, advanced analytics, and data are integral to insurer’s success in the digital age. This report highlights how data and analytics have evolved by introducing an updated version of... more >
Data and Analytics in Insurance: P&C View Through 2020
- Author(s):
- Karen Pauli, Principal
- Publication Date:
- July 18, 2017
- Number of Pages:
- 20
- Price:
- $1,495.00 USD
This SMA report explores both the current state and future plans for data and analytics in the property and casualty industry in North America. more >
Bridging to the Future With Core Systems Modernization
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- June 6, 2017
- Number of Pages:
- 10
- Price:
- $995.00 USD
Four out of five insurers are actively investing in core systems modernization and replacement, which is one of the seven SMA Bridges to the Future. more >
Insurance in Transformation: Building 7 Bridges to the Future
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Karen Furtado, Partner
- Mark A. Breading, Partner
- Karen Pauli, Principal
- Publication Date:
- January 12, 2017
- Number of Pages:
- 10
- Price:
- $995.00 USD
In times of rapid evolution, it is imperative that organizations have clarity about the business actions they can take to get to the other side of a changed business environment. more >
SMA Top 10 Insurance Predictions for 2017
- Author(s):
- Mark A. Breading, Partner
- Karen Furtado, Partner
- Karen Pauli, Principal
- Publication Date:
- December 21, 2016
- Number of Pages:
- 8
- Price:
- $995.00 USD
2016 was a memorable year for insurance. Ongoing trends and game-changers are likely to make 2017 another year of transformation for insurance. more >
Bridging Today to Tomorrow: Seven Paths to Become a Next-Gen Insurer
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- November 2, 2016
- Number of Pages:
- 10
- Price:
- $995.00 USD
At the 2016 SMA Annual Summit, SMA introduced the concept of insurers building bridges from today to their future state as part of the transformation to becoming a Next-Gen Insurer. more >
The 2016 SMA Innovation in Action Awards: Solution Provider Case Studies
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- October 6, 2016
- Number of Pages:
- 19
- Price:
- $1,495.00 USD
The annual SMA Innovation in Action Awards for Solution Providers are given to those solution providers whose innovative solutions or services are enabling insurers to make real progress in their... more >
The 2016 SMA Summit Recap
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- September 29, 2016
- Number of Pages:
- 14
- Price:
- $995.00 USD
This research report provides highlights from all of the speakers and sessions of the SMA Summit event held in Boston, Sept. 19, 2016. more >
The 2016 SMA Innovation in Action Awards: Insurer Case Studies
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- September 19, 2016
- Number of Pages:
- 43
- Price:
- $2,500.00 USD
The annual SMA Innovation in Action Awards for Insurers are given to insurers of all types and sizes who are rethinking, reimagining, and reinventing the business of insurance. more >
The Changing Face of Claims: How Innovation Is Fueling Claims Transformation
- Author(s):
- Karen Furtado, Partner
- Karen Pauli, Principal
- Publication Date:
- July 28, 2016
- Number of Pages:
- 15
- Price:
- $1,495.00 USD
Claims is a major area of innovation in the insurance industry today, driven by claims executives’ pragmatic need to increase efficiency, reduce complexity, and improve the customer experience. more >
Data and Analytics in P&C Insurance: 2016 and Beyond
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- June 30, 2016
- Number of Pages:
- 19
- Price:
- $1,495.00 USD
This SMA report explores both the current state and future plans for data and analytics in the property and casualty industry in North America. more >
Telematics in P&C Insurance: The Need to Move Beyond Pricing
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- June 23, 2016
- Number of Pages:
- 11
- Price:
- $995.00 USD
Telematics in P&C Insurance provides a snapshot of telematics/usage-based insurance programs in North America. Telematics for usage-based insurance continues to advance in North America, albeit at a measured pace. more >
The 2015 SMA Innovation in Action Awards: Solution Provider Case Studies
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- September 30, 2015
- Number of Pages:
- 44
- Price:
- $4,500.00 USD
The annual SMA Innovation in Action Awards for Solution Providers are given to solution providers within the insurance ecosystem that have successfully implemented innovative and transformational solutions that create real... more >
2015 SMA Summit Recap
- Publication Date:
- September 29, 2015
- Number of Pages:
- 10
- Price:
- $695.00 USD
Becoming a Next-Gen Insurer was the focus of the 2015 SMA Summit. A sold-out crowd gathered at the fourth annual SMA Summit held at the Boston Mandarin Oriental on September... more >
The 2015 SMA Innovation in Action Awards: Insurer Case Studies
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- September 21, 2015
- Number of Pages:
- 50
- Price:
- $4,500.00 USD
The annual SMA Innovation in Action Awards for Insurers are given to insurers of all types and sizes that have successfully implemented innovative and transformational business and technology initiatives that... more >
The Impact of Emerging Technologies in Claims
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- July 30, 2015
- Number of Pages:
- 7
- Price:
- $995.00 USD
SMA has identified three top emerging technologies for use in claims: drones and aerial imagery, artificial intelligence, and the Internet of Things (IoT). more >
Next-Gen Insurer: 2015 Update – The Journey Continues
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- May 20, 2015
- Number of Pages:
- 13
- Price:
- $995.00 USD
Since the 2014 publication of SMA’s groundbreaking report, Next-Gen Insurer: Fueled by Innovation, the pace of change has continued to intensify and gain momentum. more >
Claims Transformation: The Journey Beyond Modernization
- Author(s):
- Karen Furtado, Partner
- Denise Garth, Partner
- Publication Date:
- March 31, 2015
- Number of Pages:
- 9
- Price:
- $995.00 USD
This report, the first in SMA’s thought leadership series on claims transformation, examines the need for changes in the end-to-end claims process, starting but not ending with claims system modernization. more >
SMA Top 10 Imperatives for Insurers – 2015
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Mark A. Breading, Partner
- Karen Furtado, Partner
- Denise Garth, Partner
- Mary Ann Garwood, Partner
- Monique Hesseling, Partner
- Publication Date:
- February 24, 2015
- Number of Pages:
- 21
- Price:
- $995.00 USD
This research report presents SMA’s sixth annual look at the Top 10 Imperatives for Insurers. The list of SMA’s Top 10 Imperatives articulates the key areas that insurers should have... more >
The Changing Auto Insurance Landscape: Influencers Driving Disruption and Change
- Author(s):
- Denise Garth, Partner
- Publication Date:
- January 29, 2015
- Number of Pages:
- 14
- Price:
- $995.00 USD
This research looks at the change and disruption that is greatly affecting auto insurance due to the convergence of multiple influencers, including the shared economy, connected cars, Google and Apple... more >
Data and Analytics in Insurance: L&A Insurer Strategic Priorities and Operational Plans Through 2016
- Author(s):
- Mark A. Breading, Partner
- Denise Garth, Partner
- Publication Date:
- October 23, 2014
- Number of Pages:
- 25
- Price:
- $995.00 USD
This SMA report explores both the current state and future plans for data and analytics in the life and annuity industry in North America. more >
2014 SMA Summit Recap
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- October 1, 2014
- Number of Pages:
- 7
- Price:
- $95.00 USD
The theme for the 2014 SMA Summit was The Innovation Journey: cultivate – activate – accelerate. more >
2014 Innovation in Action ... Insurer Highlights
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- September 29, 2014
- Number of Pages:
- 35
- Price:
- $4,500.00 USD
Each year SMA recognizes several insurers and solution providers that demonstrate real progress in transforming and deploying next-generation technology for advantage. more >
Big Data in Insurance: Insurer Priorities, Projects, and Investment Plans for 2014 and Beyond
- Author(s):
- Mark A. Breading, Partner
- Denise Garth, Partner
- Publication Date:
- September 10, 2014
- Number of Pages:
- 31
- Price:
- $1,495.00 USD
Big data is clearly a hot topic in insurance, but how far along is the industry in capitalizing on this technology approach? This SMA research report evaluates the current state... more >
Big Data in Insurance: Emerging Trends in Organization and Technology
- Author(s):
- Denise Garth, Partner
- Mark A. Breading, Partner
- Publication Date:
- September 10, 2014
- Number of Pages:
- 13
- Price:
- $995.00 USD
Many insurers have invested in data, business intelligence, and analytics – and have had success with different initiatives that touch different areas of the business. more >
Data and Analytics in Insurance: P&C Insurer Strategic Priorities and Operational Plans for 2014 and Beyond
- Author(s):
- Mark A. Breading, Partner
- Denise Garth, Partner
- Publication Date:
- June 18, 2014
- Number of Pages:
- 26
- Price:
- $995.00 USD
This SMA report explores both the current state and future plans for data and analytics in the property and casualty industry in North America. more >
The Next-Gen Insurer: Fueled by Innovation
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Denise Garth, Partner
- Publication Date:
- April 11, 2014
- Number of Pages:
- 22
- Price:
- $2,495.00 USD
Innovation is no longer just a nice-to-have initiative. It has become a must-have, strategic, core mandate that will define a new era of winners (and losers). more >
State of Commercial Markets Underwriting Automation
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- March 18, 2014
- Number of Pages:
- 24
- Price:
- $995.00 USD
This research report investigates the state of commercial markets underwriting automation in the insurance industry. It examines the understanding and attitudes in all segments of the commercial lines business, ranging... more >
SMA Top 10 Imperatives for Insurers – 2014
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Karen Furtado, Partner
- Mark A. Breading, Partner
- Mary Ann Garwood, Partner
- Publication Date:
- December 19, 2013
- Number of Pages:
- 13
- Price:
- $95.00 USD
This research report presents SMA’s fifth annual look at the Top 10 Imperatives for Insurers. This year we’ve not only closely scrutinized and updated each of the Top 10, we’ve... more >
Next-Gen Technology Trends: New Opportunities and Challenges for Insurers
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Karen Furtado, Partner
- Mark A. Breading, Partner
- Mary Ann Garwood, Partner
- Publication Date:
- November 29, 2013
- Number of Pages:
- 8
- Price:
- $395.00 USD
This research brief identifies five next generation technologies that are currently having the greatest impact on the insurance industry. more >
Innovation in the Insurance Customer Experience: Examples and Guiding Principles
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- October 7, 2013
- Number of Pages:
- 5
- Price:
- $395.00 USD
Transforming the customer experience is one of the top imperatives insurers are pursuing to create differentiating strategies. more >
2013 SMA Summit Recap
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- October 3, 2013
- Number of Pages:
- 3
- Price:
- $95.00 USD
“What is innovative today will be expected tomorrow,” is a powerful insight, quoted from one of the roundtable breakout groups during the 2013 SMA Summit at the Mandarin Oriental in... more >
2013 Innovation in Action … Insurer Highlights
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- September 18, 2013
- Number of Pages:
- 46
- Price:
- $4,500.00 USD
Each year SMA recognizes several insurers and solution providers that demonstrate real progress in deploying next-generation technology for advantage. more >
Product Development: Insurer Plans and Priorities
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- July 15, 2013
- Number of Pages:
- 28
- Price:
- $1,495.00 USD
The pressure is on. Now more than ever, insurers are focusing on improving their capabilities for implementing new products and product changes. more >
Data and Analytics in Insurance: L&A Plans & Priorities for 2013 and Beyond
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- June 17, 2013
- Number of Pages:
- 26
- Price:
- $995.00 USD
This SMA report explores both the current state and future plans for data and analytics in the life and annuity industry, highlighting meaningful differences between individual and group, and differences... more >
Telematics/Usage-Based Insurance: Implications for Agents
- Author(s):
- Mark A. Breading, Partner
- Richard Welch, Guest Author
- Publication Date:
- June 12, 2013
- Number of Pages:
- 7
- Price:
- $995.00 USD
Much has been written about the implications of usage-based insurance for insurance companies and consumers, but little attention has been paid to the implications for agents. more >
Data and Analytics in Insurance: P&C Plans and Priorities for 2013 and Beyond
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- May 3, 2013
- Number of Pages:
- 26
- Price:
- $995.00 USD
This SMA report explores both the current state and future plans for data and analytics in the property and casualty industry, highlighting meaningful differences between personal and commercial lines, and... more >
Telematics/Usage-Based Insurance: Progressive’s Licensing Announcement
- Author(s):
- Mark A. Breading, Partner
- Richard Welch, Guest Author
- Publication Date:
- February 26, 2013
- Number of Pages:
- 5
- Price:
- $995.00 USD
This research brief, the third in SMA’s Telematics/Usage-Based Insurance Series, presents SMA’s insights on the recent licensing announcement by Progressive Insurance. more >
Telematics/Usage-Based Insurance: Insurer Priorities and Plans
- Author(s):
- Richard Welch, Guest Author
- Mark A. Breading, Partner
- Publication Date:
- February 15, 2013
- Number of Pages:
- 23
- Price:
- $1,495.00 USD
Usage-based insurance (UBI) is poised to transform the personal auto insurance market over the next 5-10 years. more >
SMA Top 10 Imperatives for Insurers - 2013
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Karen Furtado, Partner
- Mark A. Breading, Partner
- Mary Ann Garwood, Partner
- Publication Date:
- January 23, 2013
- Number of Pages:
- 7
- Price:
- $95.00 USD
This research report presents SMA’s annual look at the Top 10 Imperatives for Insurers. These imperatives have been defined using SMA’s research and analysis as well as the insight gained... more >
Telematics/Usage-Based Insurance
- Author(s):
- Richard Welch, Guest Author
- Mark A. Breading, Partner
- Publication Date:
- November 30, 2012
- Number of Pages:
- 11
- Price:
- $995.00 USD
Any company with a stake in the personal auto insurance business must recognize that usage-based insurance (UBI) is a market disrupting force that will have a major impact over the... more >
Data and Analytics in Insurance
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- October 1, 2012
- Number of Pages:
- 27
- Price:
- $995.00 USD
This SMA report explores both the current state and future plans for data and analytics in the life and annuity industry, highlighting meaningful differences between individual and group lines, and... more >
Data and Analytics in Insurance
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- September 10, 2012
- Number of Pages:
- 26
- Price:
- $995.00 USD
This SMA report explores both the current state and future plans for data and analytics in the property and casualty industry, highlighting meaningful differences between personal and commercial lines, and... more >
Data and Analytics in Insurance
- Author(s):
- Mark A. Breading, Partner
- Publication Date:
- July 17, 2012
- Number of Pages:
- 27
- Price:
- $1,495.00 USD
Data and analytics are taking center stage in insurance with the potential to reshape the industry. more >
Claims Transformation
- Author(s):
- Karen Furtado, Partner
- Publication Date:
- June 11, 2012
- Number of Pages:
- 32
- Price:
- $1,495.00 USD
The transformation of claims operations is well underway in some insurance organizations and just getting started in others. more >
SMA 2012 Top 10 Imperatives
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Karen Furtado, Partner
- Mark A. Breading, Partner
- Mary Ann Garwood, Partner
- Publication Date:
- March 30, 2012
- Number of Pages:
- 15
- Price:
- $95.00 USD
This research report presents SMA’s annual look at the Top 10 Imperatives for Insurers. These imperatives have been defined using SMA’s research and analysis as well as the insight gained... more >
Underwriting Automation
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- February 20, 2012
- Number of Pages:
- 30
- Price:
- $1,495.00 USD
This report is part of a series of SMA research reports on specific insurance capability areas in the North American insurance industry. more >
Mastering Commercial Lines Automation
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- January 10, 2011
- Number of Pages:
- 8
- Price:
- $95.00 USD
This SMA Insights Research Brief looks at advances that are being made in the automation of commercial lines. more >
Next Generation Technology Trends
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Publication Date:
- January 3, 2011
- Number of Pages:
- 8
- Price:
- $95.00 USD
This SMA Insights Research Brief looks at the five next generation technology trends that are now having the most impact on the insurance industry and will continue to be of... more >
SMA Top 10 Imperatives
- Author(s):
- Deborah M. Smallwood, Senior Partner
- Karen Furtado, Partner
- Mark A. Breading, Partner
- Mary Ann Garwood, Partner
- Publication Date:
- March 15, 2010
- Number of Pages:
- 16
- Price:
- $95.00 USD
This research report presents srategic insights on the key initiatives all insurers should be considering - the "must haves" for charting a course to recovery. more >