Shawn M. Rubin, TRIP

08/27/2026

The insurance market is definitely changing, but not every line is moving in the same direction.

Property is getting more competitive, while Commercial Auto, Umbrella, and certain casualty lines remain challenging.

For companies with good loss experience and strong risk management, it may be worth looking beyond a traditional guaranteed-cost program.

Deductible programs, dividend plans, and captives are just a few options that can potentially help lower the total cost of risk over time.

08/27/2026

The insurance market is definitely changing, but not every line is moving in the same direction.

Property is getting more competitive, while Commercial Auto, Umbrella, and certain casualty lines remain challenging.

For companies with good loss experience and strong risk management, it may be worth looking beyond a traditional guaranteed-cost program.

Deductible programs, dividend plans, and captives are just a few options that can potentially help lower the total cost of risk over time.

Organizations can reduce their total cost of risk through alternative risk financing structures, including a variety of loss-sensitive programs, that reward better claims performance.

08/18/2026

A $100,000 claim doesn’t always cost a company $100,000.

Sometimes it costs them a lot more.

Higher premiums. Fewer carrier options. A larger deductible. An umbrella carrier that suddenly doesn’t want the account.

That’s why I tell clients that claims management isn’t just about getting a claim closed.

It’s about protecting what happens at the next renewal.

08/17/2026

Your insurance renewal shouldn’t start with:

“So…how much did it go up?”

By that point, you’re already playing defense.

The best renewals are worked on months in advance — cleaning up loss runs, correcting bad data, addressing claims and figuring out where the underwriter is going to push back.

Renewal day should be the finish line, not the starting line. 👍🏻

08/06/2026

Parking operators have enough moving parts every day.

Customers, employees, vehicles, equipment, vendors, and unexpected situations that can turn into costly claims.

Insurance should be more than a renewal conversation once a year. It should be a strategy that helps identify risks before they become problems.

Contact me to learn how USI has been helping parking garage operators and valet companies reduce their total cost of risk.

E-mail: [email protected]

07/31/2026

Every claim tells a story. The real value comes from using your own claims data to identify what’s actually driving losses, then focusing on the solutions that will have the biggest impact.

A data-driven approach doesn’t just improve safety—it can reduce claims, lower total cost of risk, and even lead to meaningful premium savings.

The days of a one-size-fits-all approach to risk management are over. The best results come from using data to make smarter decisions

Learn how claims data insights can help reduce costs, target risk more effectively, and deliver measurable ROI across your organization.

07/28/2026

First, my thoughts are with the families and everyone impacted by this tragic accident. No verdict or amount of money can undo the loss of life here.

This case is another reminder of the growing liability pressure in the transportation industry. Motor carriers, brokers, and logistics companies are all facing more scrutiny when it comes to safety, risk management, and accountability.

Regardless of how the appeal plays out, it reinforces something we already know: strong safety practices and proactive risk management matter more than ever in transportation.

C.H. Robinson is appealing a $604 million jury verdict handed down July 24 in a case that found it liable for a 2021 fatal crash in Mississippi.