“Many people just begrudgingly pay their insurance. I think fleet owners, especially on the larger size, want to understand what is driving the rate and how they can reduce it”, says Kevin. He shares his career journey – moving from Underwriting roles with Gen Re and Swiss Re to Reinsurance with Willis Re before moving to Tiger Risk (now Howden Tiger) where he led the Specialty Casualty division and insurtech segment.  He joined New York-based Cover Whale in 2021. Kevin describes Cover Whale as an MGA focused on the commercial auto space with a core vision of making the world safer. Emphasizing how loss ratios drive everything the business does, Kevin says,“By bringing a proprietary tech enabled platform, we leverage and digest massive amounts of real time data to more accurately price risk and equally as important monitor that risk through a continuous underwriting loop.” He outlines the benefits on offer to agency partners and commercial fleet owners.“The value proposition is you're going to get an instantaneous quote or a declination from us. We do like to avoid the long maybe. Speed sells.”Countering the industry norm of using aggregated data to price for the average driver, Kevin says, “We really want to drive that home to an individual risk basis. The hope is to identify those 10% of the riskiest drivers and either coach them to be better drivers or eliminate them from our portfolio because they are driving the overall cost of insurance in the end.”Kevin shares the value that insurance expertise and technologists bring to the team and gives his thoughts on the road ahead for the insurance industry and Cover Whale. “We’re on the offensive. We are searching for A-player talent. This is an organization where you have an opportunity to really grab whatever you can handle. We are moving fast and will push everyone outside their comfort zone.” Kevin concludes by saying, “We're inspired by where the insurance industry is overall.  Five years ago, it was disrupt, disrupt, disrupt. We're now trying to find ways of leveraging technology in into the nuances of insurance and do it better and more efficiently.”Connect with Kevin on LinkedIn or find out more about Cover Whale. The Insurance Coffee House Podcast is hosted by Nick Hoadley, CEO, Insurance Search, the Executive Search Consultancy for growing Insurance and Insurtech businesses around the globe.To discuss identifying & attracting the very best talent to your team or being a podcast guest, reach out to Nick via nick.hoadley@insurance-search.com or connect on LinkedInCopyright Insurance Search 2023 – All Rights Reserved.