Your NAIC Innovation in 2017 and Beyond. Sara Robben May 12, 2017
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1 Your NAIC Innovation in 2017 and Beyond Sara Robben May 12, 2017
2 Catastrophes 2
3 Tornado Outbreak January 21 January 23 January 21 January 23 Western Storms & Southern Tornado Outbreak High wind damage occurred across southern California 79 Tornadoes in many southern states (AL,FL,GA,LA,MS,SC,TX) Largest severe weather outbreak since late spring
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5 Tornado Outbreak February 28- March 1 February 28 March 1 Central/Southeastern Tornado Outbreak Over 70 tornadoes, widespread straight-line wind and hail damage Most severe weather outbreak since late spring 2011 States MO, KY, IL Path near the infamous Tri-State Tornado of March 18, 1925 $1.2 billion in damage 5
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7 Tornado Outbreak March 6 - March 8 March 6 March 8 Midwest Tornado Outbreak Midwestern states (AR,IA,IL,KS,MI,MN,MO,NE,NY,OH,WI) Missouri and Illinois were impacted by numerous tornadoes Michigan and New York were affected by destructive, straight-line winds following the storm system $1.5 billion in damage 7
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9 Tornadoes April/May Multiple tornadoes in the month of April Early April southeast Late April Oklahoma, Illinois, Arkansas, Texas, Alabama, Georgia, Kansas Damaging winds early may New York, Pennsylvania 9
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14 Flooding 2017 February 8 February 22 California Flooding Substantial property and infrastructure damage from flooding, landslides, and erosion Notable impacts include: Severe damage to Orville Dam main spillway and emergency spillway cost to repair both spillways is estimated to be $100 million Flood damage in San Jose $1.0 billion in damages Recent Flooding (since the beginning of April) AR, IL, LA, MO, OK, TX 14
15 Southeast Freeze March 14 March 16 States with heavily damaged fruit crops (SC, GA, NC, TN, AL, MS, FL, KY, VA) Crops bloomed 3+ weeks early due to unusually warm temperatures Damage most severe in Georgia and South Carolina $1.0 billion in damages 15
16 U.S. Insured Catastrophe Losses U.S. Insured Catastrophe Losses $80.0 U.S. Insured Catastrophe Losses ($billions, 2015 dollars) $70.0 $60.0 $50.0 $40.0 $30.0 $20.0 $10.0 $0.0 U.S. Insured Catastrophe Losses (2015 $billions) Source: PCS/ISO 16
17 Flood and Flood Insurance No state immune CIPR Study Challenges to flood market Examines central role of the NFIP Discusses need for reform and an increased role for private insurers Study can be found on CIPR website 17
18 National Flood Insurance Program Expires September 30 NAIC Guiding Principles Slow Move to Private Flood Insurance Private Data 18
19 Price Optimization Use of price elasticity NAIC White Paper in 2015 Jurisdictions have since issued bulletins 19
20 InsurTech What is it anyway? 20
21 The NAIC & Innovation The NAIC recently created an Innovation Task Force Big Data Working Group Cybersecurity Working Group Speed to Market Working Group Chaired by Patrick M. McPharlin (MI) Vice Chair is Laura Cali Robison (OR) 21
22 Innovation (EX) Task Force 2017 Charges Provide a forum for discussion of innovation and technology developments in the insurance sector Develop regulatory guidance, white papers, model laws and/or regulations, or make other recommendations to Executive (EX) Committee, as appropriate Appoint the Big Data (EX) Working Group Appoint the Cybersecurity (EX) Working Group Appoint the Speed to Market (EX) Working Group Discuss regulatory issues related to autonomous vehicles Discuss emerging issues related to on-demand insurance applications 22
23 Big Data (EX) Working Group Charged with: Reviewing current regulatory frameworks used to oversee insurers use of consumer and non-insurance data; Proposing a mechanism to provide resources and allow states to share resources to facilitate states ability to conduct technical analysis of and data collection related to states review of complex models used by insurers for underwriting, rating, and claims Assessing data needs and required tools for regulators to appropriately monitor the marketplace and evaluate underwriting, rating, claims, and marketing practices 23
24 The Cyber World 7.5 Billion People on Earth 3.7 billion active internet users 1.87 billion active social media accounts 4.6 billion mobile phone users Data flowing across the globe daily 500 million tweets per day 3.5 billion google searches per day 205 billion s generated per day 24
25 Data Breach Healthcare Ransomware attacks projected to rise 250% Hackers were responsible for 106 major healthcare data breaches in 2016 Financial Services Came in first in number of incidents leading to confirmed data losses Insurance Risk is twofold, because insurers are not only targets of hackers, they are also providers of coverage to victims 25
26 Cybersecurity (EX) Working Group Charged with: Monitoring developments in the area of cybersecurity Advising, reporting, and making recommendations to the Innovation and Technology (EX) Task Force regarding cybersecurity issues Coordinating activities with NAIC stading committees and their task forces and working groups regarding cybersecurity Continue development of the Insurance Data Security Model Law. This model law is specific to insurers, brokers, and other state-regulated entities, regarding cybersecurity standards Represent the NAIC and communicate with other entities/groups, including the sharing of information as may be appropriate, on cybersecurity issues 26
27 NAIC Cybersecurity Working Group - Timeline Formed 2014 April Principles for Effective Cybersecurity Insurance Regulatory Guidance June Annual Statement Supplement for Cybersecurity June IT Exam Working Group adopted new cybersecurity guidance December NAIC Roadmap for Cybersecurity Consumer Protections March Insurance Data Security Model Law 27
28 Insurance Data Security Model Law Update Draft Version 1 Exposed in March 2016 Interim Meeting May 2016 Draft Version 2 Exposed August 2017 Draft Version 3 Exposed February 2017 Draft Version 4 Exposed April
29 Information Collected by State Insurance Regulators Stand-Alone Cybersecurity Insurance Policies Number of claims reported Direct premiums written and earned Direct losses paid and incurred Defense and cost containment expenses Number of policies in-force Similar information collected for Identity Theft Insurance Surplus Lines Insurance Policies is being collected this year will have numbers to report at the NAIC Summer National Meeting 29
30 2016 Cybersecurity Data - Preliminary Preliminary Data Standalone Cybersecurity Policies $911,384,801 DWP $365,268,573 Incurred Losses Preliminary Data Package Policies $429,616,559 DWP $83,414,675 Incurred Losses Total = $1,341,001,360 => Does not include Surplus Lines data it is expected in July 30
31 Blockchain What is blockchain technology? Backbone of a new type of internet Don t need to know how the blockchain works to use it 31
32 Blockchain How blockchain works Distributed Database Peer-to-Peer Transmission Transparency and Pseudonymity Irreversibility of Records Computational Logic 32
33 Disruptive Technologies Sharing Economy Drones Autonomous Vehicles Telematics Peer to Peer Insurance Transportation Networking Companies Internet of Things
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