LION Specialty

Financial Institutions: A recent court ruling has HUGE implications for your D&O insurance. Excess carriers might have trouble questioning lower-layer payments. Here’s why you should care: ? This ruling provides more certainty about your excess coverage ? It clarifies when D&O coverage applies in SEC investigations The case involved Freddie Mac, who burned through four layers of D&O coverage. The fifth layer tried to deny the claim... … but the court sided with Freddie Mac. What does this mean for you? → Greater assurance that your excess coverage will respond → Clearer understanding of D&O coverage in investigations How can LION Specialty help? ? We’ll review your D&O program for gaps and inefficiencies ? We’ll help you secure adequate limits to protect your leaders Want to learn more? Comment "D&O" to receive our newsletter with a deep dive into this important ruling. P.S. here are three additional ways we can help you… 1) book a 1:1 call with the LION Specialty team 2) sign up for weekly global market analysis & actionable tips for financial institutions 3) get our free D&O email crash course for directors on protecting your personal assets #staycovered Mark Flippen Natasha I. Kiemnec, ARM

Financial Institutions, McKinsey's latest report has BIG implications for insurers. Their key finding? Operational efficiency trumps product mix. Here’s why you should care: ? 60% of an insurer’s performance comes from operations ? Only 40% is tied to product portfolio What does this mean for regional carriers? → Rate increases alone won't drive growth → Tech adoption is crucial for survival → Specialization and operational excellence are key How can your institution thrive? ? Focus on data-driven decision-making ? Build strong broker relationships ? Optimize your existing operations Want to learn more about thriving in the changing insurance landscape? Comment "newsletter" to receive our summary of the report. P.S. here are three ways we can help you… 1) book a 1:1 call with the LION Specialty team 2) sign up for weekly global market analysis & actionable tips for financial institutions 3) get our free D&O email crash course for directors on protecting your personal assets #staycovered Natasha I. Kiemnec, ARM Mark Flippen

Financial Institutions, is your insurer's old tech costing you money? A new report reveals… …74% of insurance companies rely on outdated systems. This impacts YOU. Here’s how: → Slower submissions and quotes → Less accurate pricing → Fewer product options for emerging risks What’s the solution? Partner with insurers investing in modern technology. Here’s what to look for: ? Fast submission turnaround times ? Data-driven pricing models ? Innovative coverage solutions Want to learn more about how technology is impacting insurance? Comment "Tech" to receive our latest newsletter. P.S. here are three ways we can help you… 1) book a 1:1 call with the LION Specialty team 2) sign up for weekly global market analysis & actionable tips for financial institutions 3) get our free D&O email crash course for directors on protecting your personal assets #staycovered Mark Flippen Natasha I. Kiemnec, ARM

74% of insurers are stuck in 1999 - and it’s costing you money. How much money? Well... Insurance companies spend 70% of their IT budgets just keeping ancient systems running. The consequences are costly: ? Slower quotes ? Less accurate pricing ? Fewer coverage options While some carriers are processing claims 3x faster with modern tech, others are still using systems from the dial-up era. In this week's LION Specialty newsletter, we dive into how you can fix your old tech. We also cover: ? Why McKinsey says rate increases won't save insurers anymore ? The $145M legal battle changing D&O insurance forever ? What really drives insurance company performance (hint: it's not what you think) Want to stay ahead of the market? Like this post and comment "newsletter" - we'll send it your way. #staycovered Mark Flippen Natasha I. Kiemnec, ARM

Financial Institutions: Are you working with a B-Team insurance broker? You might be and not even know it. Here’s why you should care: ? B-Teams offer cookie-cutter solutions ? They lack the expertise to handle complex risks ? You deserve better Here are some telltale signs… → Junior staff handling your account → Generic policies that don’t fit your needs → Lack of proactive risk assessment What are the consequences? ? Inadequate coverage ? Missed opportunities ? Increased risk exposure Here’s how we’re helping our clients: → Providing expert advice and bespoke solutions → Accessing global markets for better coverage → Acting as a true partner, not just a broker Want to upgrade to an A-Team insurance experience? Comment "A-Team" to receive our latest newsletter. P.S. here are three ways we can help you… 1) book a 1:1 call with the LION Specialty team? 2) sign up for weekly global market analysis & actionable tips for financial institutions? 3) get our free D&O email crash course for directors on protecting your personal assets #staycovered ? Natasha I. Kiemnec, ARM Mark Flippen

Financial Institutions, Trump’s win creates opportunities AND risks for US insurers. Global markets face challenges. But there’s a catch… Social inflation and tariffs could increase costs for US insurers. Here’s why: → Tariffs on building materials may drive up repair costs → This could lead to higher claims costs for insurers What can you do? → Update your claims cost models → Scan the market for growth opportunities → Focus on client retention Want to learn how to navigate these market shifts? Comment "America First" to receive our analysis. P.S. Three ways we can help you… 1) Book a 1:1 call with the LION Specialty team? 2) Sign up for weekly global market analysis & actionable tips for financial institutions? 3) Get our free D&O email crash course for directors on protecting your personal assets #staycovered ? Mark Flippen Natasha I. Kiemnec, ARM

Financial Institutions: Get ready for a corporate culture reset. A Trump 2.0 presidency could bring major changes to the insurance industry. Here’s why you should care: ? ESG reporting may ease ? "Nuclear verdicts" could decrease ? New partnership opportunities may emerge What’s driving these shifts? → A potential move away from stringent compliance → A renewed focus on growth and efficiency How can you prepare? ? Review your ESG strategy ? Assess your legal position ? Explore innovation opportunities Want to navigate this changing landscape? Comment "Newsletter" to receive our analysis of the potential impact of a Trump 2.0 presidency on the insurance industry. P.S. here are three ways we can help you… 1) book a 1:1 call with the LION Specialty team 2) sign up for weekly global market analysis & actionable tips for financial institutions 3) get our free D&O email crash course for directors on protecting your personal assets #staycovered Mark Flippen Natasha I. Kiemnec, ARM

Financial Institutions: Get ready for a potential windfall. Trump's proposed tax cuts could mean billions in savings for U.S. insurers. Here's why this matters: ? Lower corporate taxes mean higher profits ? This could fuel growth and investment How will this impact the industry? → U.S. insurers will become more competitive globally → Regional insurers stand to benefit the most What should you do? Prepare to capitalize on these potential opportunities. Want to learn more? Comment "Market" to receive our analysis on how these tax cuts could reshape the insurance landscape. P.S. here are three ways we can help you… 1) book a 1:1 call with the LION Specialty team 2) sign up for weekly global market analysis & actionable tips for financial institutions 3) get our free D&O email crash course for directors on protecting your personal assets #staycovered Mark Flippen Natasha I. Kiemnec, ARM

Financial Institutions: What's your biggest fear when a claim hits? It's not lack of coverage. It's a slow, unresponsive insurer. Claims advocacy is your sword and shield. But it's useless with the wrong carrier. → They drag out the process → They overemphasize minor details → They wear you down How to avoid this nightmare: ? Vet your carrier's claims handling history ? Insist on crystal-clear policy language Want to learn how to choose the RIGHT carrier? Comment "Claims" for our actionable guide. P.S. Three ways we can help you… 1) Book a 1:1 call with the LION Specialty team 2) Sign up for our weekly newsletter for financial institutions 3) Get our free D&O email crash course for directors #staycovered Mark Flippen Natasha I. Kiemnec, ARM

Financial Institutions: Are you ready for 2025 insurance renewals? The market is shifting. You need to be prepared. Here's what you need to know: ? Property rate increases are declining ? Casualty rates are rising ? Financial lines rates are falling This creates a "tale of three segments." → No more "one size fits all" renewals... → You need different strategies for different lines. How we're helping clients: ? Analyzing market trends ? Developing line-specific strategies ? Negotiating optimal terms Want to stay ahead of the curve? Comment "Renewals" to receive our newsletter with in-depth market analysis and actionable insights. P.S. here are three more ways we can help… 1) book a 1:1 call with the LION Specialty team 2) sign up for weekly global market analysis & actionable tips for financial institutions 3) get our free D&O email crash course for directors on protecting your personal assets #staycovered Mark Flippen Natasha I. Kiemnec, ARM