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Ethics & accountability · Balancing user vs business interest

After a bad wildfire season, the company plans to non-renew thousands of homeowners in high-risk areas to protect solvency. Many are long-time policyholders with nowhere else to turn. You're on the team executing it. How do you weigh it?

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Both duties here are real: an insolvent insurer pays no one, so managing catastrophe concentration protects every policyholder — and mass non-renewals devastate people who did nothing wrong.

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