Articles by Tom Super

Thomas Super (thomas.super@jdpa.com) is Vice President of P&C Insurance with J.D. Power.

Entering and Exiting Digital: What’s Up with Multi-Brand Strategies of P/C Insurers?

Two of the largest property/casualty insurers in the U.S., Allstate and Nationwide, made headlines recently when they announced shifts in their respective multi-brand portfolios. Faced with the prospect of staying relevant in an environment that has seen minimal organic growth …

Auto Insurance Customer Loyalty Is Declining. Here’s Why.

Last year more than $6 billion in advertising was pumped into the marketplace to encourage consumers to shop and switch their auto insurance providers. Everywhere consumers look, they are being hit with insurance ads – television spots, blimps, even field-goal …

The Next Insurance Battleground: High-Value Customers

Competition is tightening across the P&C insurance market. With just 2 percent of new consumers entering the personal lines auto insurance market last year, and with retention rates hovering around 88 percent, most insurers face a zero-sum proposition in which …

Progressive Looks to Lead the Pack of Multiline Insurers

With much of the property/casualty insurance industry’s attention focused on external threats from insurtechs and digital native companies, perhaps the greatest disruption is coming from within. Following the past decade of impressive growth driven by direct-to-consumer providers, Progressive heads into …

Progressive Takes Aim at Multi-Line Insurers

With much of the property/casualty insurance industry’s attention focused on external threats from insurtechs and digital native companies, perhaps the greatest disruption is coming from within. Following the last decade of impressive growth driven by direct-to-consumer providers, Progressive heads into …

Insurance Industry Kept Promises to Hurricane Victims; Now Tested by Wildfires

Between the devastating wildfires in California and the destructive forces of Hurricanes Florence and Michael on the East Coast earlier this fall, the property/casualty insurance market has been put to the test this season. The challenge has been greater for …

Linking P/C Auto Insurance Customer Experience to Improved Financial Value

Most insurance organizations have historically built strategic plans around a few core tenets: 1) increasing sales (market share and growth); 2) improving acquisition or retention; 3) increased persistency; and 4) increasing effectiveness and efficiencies (less cost). These plans always had …

J.D. Power: Why Lemonade’s Policy 2.0 Matters

Recently, insurtech start-up Lemonade announced a product initiative called Policy 2.0. According to Lemonade, it will simplify the language within a standard insurance policy so insureds can easily understand what is and is not covered. Designed through an open-source platform, …

J.D. Power: Why Lemonade’s Policy 2.0 Matters

Recently insurtech start-up Lemonade launched a product initiative called Policy 2.0. According to Lemonade, it will simplify the language within a standard insurance policy so insureds can easily understand what is and is not covered. Designed through an open-source platform, …

J.D. Power: Why Lemonade’s Policy 2.0 Matters

Recently, well-known insurtech start-up, Lemonade, announced the launch of a new product initiative called Policy 2.0. According to Lemonade, the project is meant to simplify the language within a standard insurance policy so that insureds can easily understand what is …