GRAIL
Our work What we do Why GRAIL Essays Industry Briefings Book a call
Insurance, GRAIL industry briefing cover
Industry briefings

Insurance

Six leadership editions

CEO edition

Your best underwriters override the pricing model regularly, and they are usually right. The question is what happens to that judgment when they are gone. A briefing for insurance CEOs navigating the gap between algorithmic pricing and human expertise.

10 min read
CFO edition

Your next €10M of capital. The combined ratio you print. The embedded-value thesis your board can recite back. Three questions that look separate, but are actually one. A briefing for CFOs at mid-market European specialty insurers.

15 min read
COO edition

Your loss ratio is creeping on classes the rating plan says should hold. Your senior underwriters are five years from retirement. Your quote cycle has not moved in a decade. Three problems that look separate, but are actually one. A briefing for underwriting leaders at mid-market specialty insurers.

15 min read
CHRO edition

Your senior class leads are five years from retirement. Your mid-tier pathway has quietly compressed. Your 2030 underwriting and actuarial bench is being shaped by decisions you were not invited to. A briefing for Chief Human Resources Officers at mid-market European specialty insurers.

15 min read
CCO edition

Binders are going to carriers you have never panelled. Renewals are slipping on speed, not price. Your best senior underwriters are five years from retirement. Three problems that look separate, but are actually one. A briefing for commercial leaders at specialty insurers and MGAs.

15 min read
CPTO edition

Your technology budget is two instruments pretending to be one. Your pricing model sits above a layer that commoditises every eighteen months. Your scorecard measures system uptime and project delivery, and neither is the 2026 question. A briefing for CTOs, CPOs, and CPTOs at mid-market European specialty insurers and MGAs.

16 min read
Back to all briefings