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The Quiet Risk: Why Reserve Adequacy Decides an Insurer’s Future
June 22, 2026by Dr Dawkins Brown
Reserves are the largest number on most insurers’ balance sheets and the least understood by their boards. Getting them wrong is rarely loud — until, suddenly, it is catastrophic. On the balance sheet of almost any insurer, the single largest figure is also the one the board understands least. It is the provision for claims...
