Callan Harrington sits down with Andy Cohen, President and COO of Snapsheet, to dive into why claims operations represent the biggest opportunity left in insurance, and what it actually looks like when carriers get it right. Andy brings perspective from both the carrier side and Snapsheet's work with over 180 carriers, including 16 of the top 20 P&C carriers.

Andy covers why loss adjustment expenses have barely moved even as premiums have surged, what modern claims operations actually look like when they're working, and what brokers and agents should be asking their carrier partners to hold them accountable on performance.

This episode provides actionable insights for anyone looking to understand how claims technology can drive better outcomes and competitive advantage in today's insurance market.

Key topics covered:

[00:00] Intro
[01:15] Change Management Takes 3 Years at Carriers
[03:02] AI Moving Fast in Insurance
[06:16] Snapsheet's 180 Carrier Network
[08:10] Claims Tech Overnight Success 14 Years Later
[10:59] Brokers Haven't Paid Attention to Claims
[15:28] Agents Can Vote With Their Feet
[18:03] Questions Agents Should Ask Carriers
[21:07] Best Practices from Top Carriers
[24:08] Key Questions About Loss Adjustment Expense
[26:28] Modern Claims Process Breakdown
[30:40] Where Agents Insert Themselves
[32:49] The Next 10 Years of Claims
[36:03] Modernization vs True Transformation
[38:31] Claims as Competitive Advantage

Connect with Andy Cohen on LinkedIn: https://www.linkedin.com/in/andrewjustincohen

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