You've spent six weeks diagnosing a specialty carrier whose combined ratio drifted from 96% to 105%. Pricing turned out to be adequate — claims leakage and expense creep are the culprits. The CEO gives you five minutes. Deliver your synthesis.

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Stay specific. One example, told well, beats three told fast. Make your decisions visible — what you chose between. End on what changed, for whom.

You've spent six weeks diagnosing a specialty carrier whose combined ratio drifted from 96% to 105%. Pricing turned out to be adequate — claims leakage and expense creep are the culprits. The CEO gives you five minutes. Deliver your synthesis.

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