Mitch Rubin

“You've talked about how every quote gets priced without a human in the loop. In June, the Texas DOI issued a bulletin stating that when AI drives a consequential consumer decision, they expect a person to review and approve before it's acted on, and they plan to examine governance and internal controls around AI use?”

“In surety, with the large contract loss in the quarter, should we expect any further development on that claim in coming quarters, or is the impact largely contained in this quarter?”

“You referenced the 13% rate increase in transportation this quarter. Is there any quantification you could provide on the magnitude of the underlying loss trend you're seeing in the portfolio and what level of rate increases you believe might be required in 2026 to sustain rate adequacy in the book?”

“I wanted to ask about the restructuring. could you please elaborate on some of the specific areas where you guys are targeting cost savings from? Thanks.”

“So I was wondering if you could provide us with an update on the progress of California with carrier participation and how much impact a full panel of carriers would be.”