The policy schedule is not the contract
Renewal is where future claim outcomes are decided quietly, in advance. Most insurance conversations begin and end with the schedule.
Insurance & Risk
Antonio’s writing on insurance and risk examines the decisions that influence how well an organisation understands and manages its exposure. Subjects include underwriting, risk assessments, unsurveyed risks, business interruption and the connection between insurance and operational continuity. His interest extends to the information behind a decision: what has been examined, what remains uncertain and which assumptions deserve further attention. The emphasis is on preparation before an event, together with the practical realities of recovery when disruption occurs. Insurance is considered within that wider context, rather than as a substitute for understanding the risk itself.
Articles
Shrinkflation. Most people have experienced it, even if they've never heard the word for it
Shrinkflation is what happens when prices can’t move, so value does, and the benefit you actually receive quietly shrinks. It doesn’t feel like change, because nothing on the surface forces a reassessment.
The comfort of shared risk
Co-insurance has long been presented as a prudent and sophisticated way to manage large or complex risks. The logic is intuitive.
The predictability paradox: Why certainty is making risk uninsurable
The modern insurance industry is obsessed with prediction. Every risk, every claim, every loss pattern must be captured, quantified, and coded into a model capable of forecasting the future with machine-like certainty.
The disposable car: Why EVS are toxic for insurance, and the environment
In March 2023, Reuters reported that a nearly new Tesla in Europe was written off after nothing more than a modest scrape underneath the car.
Underwriting, unplugged
For decades, underwriting has been shaped by spreadsheets, actuarial models, and boardroom meetings. However, risk doesn’t live in a spreadsheet.
Risk without retention
For decades, the word “insurer” carried weight. It meant something.
Built to fail: Are motor aggregate fleet policies quietly undermining client protection?
These are not simply funding tools. They are frameworks that shape how risk is carried, how claims are managed, and ultimately, how clients survive serious loss events.
From reactive to proactive
For decades, insurance has operated on a fundamentally reactive model: an event occurs, a claim is lodged, and the insurer pays.
The illusion of cheap premiums
In a competitive market where cost pressures dominate boardroom conversations, the appeal of a cheaper insurance premium is undeniable.
The rise of uninsurable risks
The insurance industry is built on the science of predictability. But what happens when the unpredictable becomes the norm?
The silent opt-out. Why insurers are exiting the EV market
Electric vehicles (EVs) are accelerating global sustainability goals, but insurers are quietly slamming the brakes.