https://toddshaner.com/ Claims I can defend: essays on commercial insurance, risk advisory, brokerage operations, AI workflow, and capital-backed growth. en-us https://toddshaner.com/posts/loss-runs-are-a-management-report/ https://toddshaner.com/posts/loss-runs-are-a-management-report/ Tue, 09 Jun 2026 12:00:00 +0000 Underwriters study loss runs to price the future. Management teams can use the same report to change it. https://toddshaner.com/posts/risk-advisory-starts-before-insurance/ https://toddshaner.com/posts/risk-advisory-starts-before-insurance/ Fri, 24 Apr 2026 12:00:00 +0000 If the underlying risk gets better, the market conversation changes. Price follows the risk. https://toddshaner.com/posts/i-do-not-know-if-i-can-help-you-yet/ https://toddshaner.com/posts/i-do-not-know-if-i-can-help-you-yet/ Sat, 18 Apr 2026 12:00:00 +0000 Good insurance work starts by understanding the business before anyone offers the answer. https://toddshaner.com/posts/private-equity-underestimates-operating-drag/ https://toddshaner.com/posts/private-equity-underestimates-operating-drag/ Fri, 10 Apr 2026 12:00:00 +0000 Post-close results depend on service capacity, producer behavior, account quality, and what the P&L stops tolerating. https://toddshaner.com/posts/most-insurance-problems-are-business-problems-first/ https://toddshaner.com/posts/most-insurance-problems-are-business-problems-first/ Thu, 02 Apr 2026 12:00:00 +0000 The policy is often where the cost shows up, but the cause usually sits in operations, contracts, claims, or growth. https://toddshaner.com/posts/renewal-discipline-is-the-real-brokerage-moat/ https://toddshaner.com/posts/renewal-discipline-is-the-real-brokerage-moat/ Fri, 27 Mar 2026 12:00:00 +0000 Retention is usually won months before the market sees the account, not in the last scramble. https://toddshaner.com/posts/what-an-ai-native-brokerage-could-look-like/ https://toddshaner.com/posts/what-an-ai-native-brokerage-could-look-like/ Thu, 12 Mar 2026 12:00:00 +0000 The goal is more advisory time, cleaner account judgment, and fewer hours lost to mechanical assembly. https://toddshaner.com/posts/responsible-ai-in-insurance/ https://toddshaner.com/posts/responsible-ai-in-insurance/ Fri, 13 Feb 2026 12:00:00 +0000 A policy is only useful if someone knows when to review, log, escalate, correct, or say no. https://toddshaner.com/posts/why-brokerage-is-the-real-ai-opportunity-in-insurance/ https://toddshaner.com/posts/why-brokerage-is-the-real-ai-opportunity-in-insurance/ Fri, 16 Jan 2026 12:00:00 +0000 Producers and service teams touch the messy work that slide decks skip: intake, account prep, document review, follow-through, and renewal pressure.