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James McCully

James McCully

James is a Principal Product Manager in the Product Content group, focused on U.S. commercial lines.

Blog

Don't Use ISO to be Like the Rest. Use it to be Better.

A smarter enterprise has become the goal for many insurers as we move into an age where applying the vast amounts of data becoming available is seen as the path to success. Getting smarter is an ever-evolving goal… a journey, not a destination. To that end, being able to get a head start and better leverage the opportunities to apply your resources can be quite valuable...
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Blog

Can it be good to be put into a box?

As a consumer, I am getting used to a more individualized experience. These experiences are often driven by ‘loyalty’ cards that trade ‘points’ for my personal information, habits, etc. It seems worth it, and I understand the value to both sides. It makes sense. Applying that experience to insurance also makes sense – loyalty (a.k.a. retention) is a key metric for insurers. The problem is, I don’t often see the value to me as the policyholder...
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Blog

Why Wait for a Claim?

The ability to handle claims is important. In fact, for many it is probably the most important function of an insurer – at least from an individual policyholder’s perspective. However, policyholders, and insurers, are hoping that losses can be avoided and that function wouldn’t be necessary. Ever. So for most people, who do not understand the risk transfer benefits of insurance, it is perceived as an expense to be minimized...
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Blog

Take Me Home, James… errr… Google?

I’ve been intrigued by telematics for a while now… but then again, who hasn’t? However, even with a level of engagement and understanding of the benefits, especially considering most insurers promise only positive impacts, I still don’t have a ‘pay-as-you-drive’ policy. To be fair, I haven’t had much opportunity, as there hasn’t been a significant push in my region. However, I am already even more intrigued by the advent of self-driving cars…...
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Blog

Throw Out Your Crystal Ball

The concept of a crystal ball has always bothered me a little bit… I mean, it seems like it would be good idea to know what’s to come in the future, but doesn’t knowing change everything??? Being unable to ‘know the unknown’ presents most people with two options to consider: 1) accept that one can only solve today’s challenges and face them as they appear; or 2) prepare for everything and hope for the best...
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Blog

What Would You Do?

During a recent trip to China, I was presented with a wonderful opportunity to see things from a new perspective. Specifically, I found a new appreciation for the potential for improvement in insurance practices. I saw an industry in its relative ‘infancy’, though with market players already gigantic by any measure, that is about to take a massive leap forward in its levels of customer service, operational efficiency, and product innovation...
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Blog

Let’s Be Friends

Really.  I want to know everything about you, spend time with you, celebrate your successes, and commiserate over your ‘bumps in the road’. I’ll do my best to care for you. I’ll avoid harassing you with too many questions or redundant things. I promise I won’t forget all the ways we know each other. I’ll remember that you are a big part of what makes me successful, even when you sometimes have to give me bad news...
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Blog

Fraud and the Underwriter

Fraud….  For anyone in insurance, the word causes furrowed eyebrows and grim looks. It’s out there and we know it. It costs the global insurance industry tens of billions of dollars annually and has been around since the advent of insurance. Still, much of the work on ‘prevention’ has only occurred post-claim, mitigating the damage done and creating punitive precedents to discourage would-be fraudsters. Is it time for that to change? I think so...
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Blog

Great Doing Business With You... Whoever You Are

When I think of new, modern policy systems, or even modern systems in general, I think of an environment where much of the recurring tasks are increasingly automated - from validation to basic responses. Inevitably, this leads to an image of a whirring box where information goes in and decisions come out. Efficient and consistent, but 'faceless'...
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Blog

Underwriting: An Art or a Science?

I've noticed a marked contrast among underwriters - between those less seasoned, who show a growing eagerness in underwriting automation techniques, and the more experienced underwriters, who express their reservations. The latter group points to the perceived pitfalls of relying too much on technology and the inability of those newer to the role to match the value of instinct that is gradually acquired over time...
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