Breaking down silos between underwriting, claims and reinsurance

SESILIA NKOSHI In a lot of insurance businesses, underwriting, claims, and reinsurance are split. Different teams, different focus areas. That part is normal, but it can also create a little distance, maybe more than people want.

Underwriting makes the call at the start, while claims deals with what shows up later. Reinsurance looks at how the risk gets spread further out. In essence it is about the same exposures, just at different stages.