• Government

    Relations

    Insurance is one of the most highly regulated sectors of the U.S. economy. Legislative, regulatory, and enforcement decisions at the state and federal levels directly influence market structure, capital deployment, product design, pricing, innovation, and long-term competitiveness. We help insurers and their distribution and risk partners engage proactively, strategically, and effectively in that environment.

  • Our Approach

    Anticipate early.

    We monitor and analyze emerging legislative and regulatory developments before they become market constraints.

    Engage constructively.

    We build credible relationships with policymakers, regulators, and staff — grounded in substance, not rhetoric.

    Align policy and business strategy.

    We ensure government engagement supports long-term enterprise objectives, not just short-term defensive wins.

  • Priority Issues

    Market Stability, Catastrophe & Climate Policy

    Rate regulation, catastrophe and resilience frameworks, residual markets, affordability pressures, and legislative reforms affecting market participation and consumer access.

    Capital, Solvency & Systemic Oversight

    Risk-based capital requirements, reinsurance and reserve standards, principle-based reserving, macroprudential expectations, and political scrutiny of investment portfolios.

    Health, Retirement & Product Regulation

    ACA marketplaces, Medicaid and Medicare programs, drug pricing and PBM reform, fiduciary and suitability standards, and tax treatment of life and retirement products.

    Artificial Intelligence, Data & Digital Governance

    Regulatory scrutiny of underwriting models, claims automation, data use, cybersecurity standards, and emerging AI and privacy governance frameworks.

    Consumer Protection, Litigation & Market Conduct

    Claims handling scrutiny, market conduct oversight, suitability standards, bad faith exposure, tort reform, and litigation-driven legislative initiatives.

    State-Based Regulation & Federal Engagement

    NAIC processes, insurance department oversight, data calls and disclosure rules, congressional and federal agency initiatives, and state vs. federal regulatory authority.

  • What we Deliver

    Regulatory & Legislative Intelligence
    Monitoring and interpretation across state and federal developments, with clear implications for market strategy and execution.

    Positioning & Policy Strategy
    Issue positioning, principles, and policy pathways that align enterprise objectives with regulatory realities.

    Direct Engagement Support
    Preparation and support for engagement with regulators, legislators, staff, and key oversight bodies—including hearings, briefings, and stakeholder meetings.

    NAIC Navigation & Multi-State Strategy
    Guidance through NAIC processes, insurance department priorities, and coordinated state-by-state engagement.

    Coalition & Third-Party Alignment
    Coalition strategy, partner coordination, and third-party validation to strengthen credibility and influence.

    Executive Briefings & Decision Support
    Board- and C-suite-ready materials that clarify tradeoffs, scenario pathways, and recommended action.