Insurance is about predicting the future

Insurance is about predicting the future

Emerging Issues are:

• Phenomena whose nature and effects are unknown
• Beyond the bounds of existing underwriting and risk management protocols
• Beyond existing actuarial calculations

PROCESS

Clues

Emerging issues arise from:

Emerging issues arise from:

• Technological developments

Emerging issues arise from:

• Technological developments
• Socio-economic trends

Emerging issues arise from:

• Technological developments
• Socio-economic trends
• Novel legal theories

Emerging issues arise from:

• Technological developments
• Socio-economic trends
• Novel legal theories
• Legislation and Regulation

Technological Developments

Cell Mutations

Diesel

Acrylamide

Diesel Acrylamide

Fear of future injury or disease

Cell Mutations

Socio-economic trends

“Obesity” Litigation

Addictive foods

Addictive foods

Novel Legal Theory

Alien Tort Statute

Alien Tort Statute

Alien Tort Statute

Public Nuisance

Legislation

Body burden

Legislation