Claim frequency has steadily decreased for two decades. While data showed some volatility during the COVID-19 pandemic, 2022 returned to the long-term decline in claim frequency. Credit: wladimir1804/Adobe Stock Claim frequency has steadily decreased for two decades. While data showed some volatility during the COVID-19 pandemic, 2022 returned to the long-term decline in claim frequency. Credit: wladimir1804/Adobe Stock

By nature, I am an optimist. By professional training, I am an underwriter, so my optimism is always balanced by clear-eyed realism.

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