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- News (53)
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- September 1998 (Revised February 1999)
- Case
Interactive Insurance Services: Redefining Insurance Distribution
By: Lynda M. Applegate and Marla Malcom-Nagler
Founded in July 1995, Interactive Insurance Services provided personal lines of insurance over the World Wide Web. In June 1996, the company was acquired by Intuit for $7.5 million. The case details the competitive and organizational issues faced by this rapidly... View Details
Keywords: Acquisition; Restructuring; Growth and Development; Distribution; Business Processes; Competitive Strategy; Web; Insurance Industry
Applegate, Lynda M., and Marla Malcom-Nagler. "Interactive Insurance Services: Redefining Insurance Distribution." Harvard Business School Case 399-017, September 1998. (Revised February 1999.)
- December 9, 2020
- Article
Give Employees Cash to Purchase Their Own Insurance
By: Regina E. Herzlinger and Barak D. Richman
Employers’ and employees’ health care costs continue to skyrocket. A solution is to allow employers to give employees pre-tax cash to purchase their own health insurance. This move, enabled by a newly enacted federal rule, would put competitive pressure on insurers,... View Details
Herzlinger, Regina E., and Barak D. Richman. "Give Employees Cash to Purchase Their Own Insurance." Harvard Business Review (website) (December 9, 2020).
- August 2018 (Revised August 2019)
- Case
Oscar Health Insurance: What Lies Ahead for a Unicorn Insurance Entrant?
By: Leemore Dafny and Victoria Marone
Keywords: Oscar Insurance; Fintech; US Health Care; Affordable Care Act (ACA); Health Insurance Marketplaces; Insurer Competition; Provider Consolidation; Market Entry; Health Care and Treatment; Entrepreneurship; Market Entry and Exit; Negotiation; Growth Management; Insurance Industry; Insurance Industry; New York (state, US); New Jersey
Dafny, Leemore, and Victoria Marone. "Oscar Health Insurance: What Lies Ahead for a Unicorn Insurance Entrant?" Harvard Business School Case 319-025, August 2018. (Revised August 2019.)
- March 2024 (Revised January 2025)
- Case
Hippo: Weathering the Storm of the Home Insurance Crisis
By: Lauren Cohen, Grace Headinger and Sophia Pan
Rick McCathron, CEO of Hippo, considered how the firm’s underwriting model could account for the effects of climate change. Along with providing smart home packages, targeting risk-friendly customers, and using data-driven pricing, the Insurtech used technologically... View Details
Keywords: Fintech; Underwriters; Big Data; Insurance Companies; Business Model Design; Weather Insurance; Business Model; Forecasting and Prediction; Climate Change; Environmental Sustainability; Green Technology; Technological Innovation; Natural Environment; Natural Disasters; Weather; Business Strategy; Competitive Advantage; Business Earnings; Insurance; Social Issues; Insurance Industry; United States; California
- 2012
- Chapter
China: The Indigenization of Insurance
By: Elisabeth Koll and David Faure
The concept of insurance was introduced to China in the early nineteenth century by Westerners trading in Guangzhou and practised essentially among them. We argue that indigenization of insurance, in particular life insurance, was a slow process that stretched from the... View Details
Koll, Elisabeth, and David Faure. "China: The Indigenization of Insurance." In World Insurance: The Evolution of a Global Risk Network, edited by Peter Borscheid and Niels Viggo Haueter. Oxford University Press, 2012.
- April 2006
- Article
Competitive Advantage and the Value Network Configuration: Making Decisions at a Swedish Life Insurance Company
By: Øystein D. Fjeldstad and Christian H.M. Ketels
When the Swedish Life Insurers Förenade Liv found themselves in difficulties in a rapidly changing market, their response was to call in the consultants. And one of the consultant's first suggestions was to use the Value Network, not the Value Chain, as a new... View Details
Keywords: Competitive Advantage; Fluctuation; Networks; Management Analysis, Tools, and Techniques; Value; Quality; Decision Making; Market Transactions; Performance Effectiveness; Customers; Insurance Industry; Sweden
Fjeldstad, Øystein D., and Christian H.M. Ketels. "Competitive Advantage and the Value Network Configuration: Making Decisions at a Swedish Life Insurance Company." Long Range Planning 39, no. 2 (April 2006): 109–131.
- January 2025
- Supplement
Hippo: Weathering the Storm of the Home Insurance Crisis (B)
By: Lauren Cohen, Grace Headinger and Sophia Pan
Rick McCathron, CEO of Hippo, was optimistic about the InsurTech's path to profitability after navigating the financial uncertainties of 2022. By bundling their home insurance services with third-parties and established insurance incumbents, Hippo was adopting a... View Details
Keywords: Fintech; Underwriters; Big Data; Homeowners' Insurance; Catastrophe Risk; Global Warming; Environment; Business Economics; Vertical Specialization; Bundling; Economies Of Scale; Business Model; Forecasting and Prediction; Climate Change; Environmental Sustainability; Green Technology; Technological Innovation; Natural Environment; Natural Disasters; Weather; Business Strategy; Competitive Advantage; Business Earnings; Insurance; Social Issues; Profit; Growth and Development Strategy; Insurance Industry; California; United States
- October 1986 (Revised November 2003)
- Case
Pinnacle Mutual Life Insurance Company
By: William J. Bruns Jr.
Pinnacle Mutual is one of the largest mutual life insurance companies in the world. Offering a full range of financial services, it competes with a broad group of financial service providers. In an effort to compete more effectively, Pinnacle adopted GAAP accounting... View Details
Bruns, William J., Jr. "Pinnacle Mutual Life Insurance Company." Harvard Business School Case 187-021, October 1986. (Revised November 2003.)
- November 1986 (Revised August 1989)
- Case
Paul Revere Insurance Co. (A)
The Paul Revere Insurance Co. lost its number one position in disability insurance, its main product, and formulated a strategy to regain the lead through a comprehensive quality improvement effort. The case describes the forces influencing the strategic direction of... View Details
Keywords: Quality; Performance Productivity; Competitive Advantage; Insurance Industry; United States
Hart, Christopher. "Paul Revere Insurance Co. (A)." Harvard Business School Case 687-013, November 1986. (Revised August 1989.)
- March 2007 (Revised April 2007)
- Case
Micro Insurance Agency: Helping the Poor Manage Risk
By: Michael Chu and Jean Hazell
The notable success of insurance products for low-income clients of its microfinance network leads Opportunity International to launch the first global specialized microinsurance company, the Micro Insurance Agency (MIA). Building on the experience in 10 countries... View Details
Keywords: Developing Countries and Economies; Cost Management; Microfinance; Globalization; Growth and Development Strategy; Risk Management; Infrastructure; Nonprofit Organizations; Competition; Financial Services Industry; Africa; Asia; Latin America
Chu, Michael, and Jean Hazell. "Micro Insurance Agency: Helping the Poor Manage Risk." Harvard Business School Case 307-089, March 2007. (Revised April 2007.)
- March 1987 (Revised January 1988)
- Case
Paul Revere Insurance Co. (B)
Describes a program of value-analysis workshops undertaken by this company as part of its massive effort to regain the number one position in its industry. The value-analysis workshops are the second half of the company's two-part Quality Has Value process. The focus... View Details
Hart, Christopher. "Paul Revere Insurance Co. (B)." Harvard Business School Case 687-033, March 1987. (Revised January 1988.)
- August 2019 (Revised March 2022)
- Case
Lemonade: Disrupting Insurance with Instant Everything, Killer Prices, and a Big Heart
By: Elie Ofek and Danielle Golan
Launching its first products in the fall of 2016 in New York, insurtech startup Lemonade was on a mission to disrupt the insurance market by using AI and behavioral economics principles. The company offered renters, homeowners, and condo insurance and mainly targeted... View Details
Keywords: AI; Business Startups; Insurance; Technological Innovation; Business Model; Disruption; Brands and Branding; Growth and Development Strategy; Global Strategy; Decision Making; Insurance Industry; Insurance Industry
Ofek, Elie, and Danielle Golan. "Lemonade: Disrupting Insurance with Instant Everything, Killer Prices, and a Big Heart." Harvard Business School Case 520-020, August 2019. (Revised March 2022.)
- March 1991 (Revised May 1991)
- Case
New York Life Insurance Co.: Pension Department
By: Robert J. Dolan
Analyzes competition in the pension fund industry. In particular, New York Life must decide whether to compete head-to-head with mutual fund giants by offering record-keeping services or to just continue to focus on selling investment products. Presents the results of... View Details
Dolan, Robert J. "New York Life Insurance Co.: Pension Department." Harvard Business School Case 591-051, March 1991. (Revised May 1991.)
- December 2011
- Article
Data Impediments to Empirical Work on Health Insurance Markets
By: Leemore S. Dafny, David Dranove, Frank Limbrock and Fiona Scott Morton
We compare four datasets that researchers might use to study competition in the health insurance industry. We show that the two datasets most commonly used to estimate market concentration differ considerably from each other (both in levels and in changes over time),... View Details
Dafny, Leemore S., David Dranove, Frank Limbrock, and Fiona Scott Morton. "Data Impediments to Empirical Work on Health Insurance Markets." B.E. Journal of Economic Analysis & Policy 11, no. 2 (December 2011).
Give Employees Cash to Purchase Their Own Health Insurance
Employers’ and employees’ health care costs continue to skyrocket. A solution is to allow employers to give employees pre-tax cash to purchase their own health insurance. This move, enabled by a newly enacted federal rule, would put competitive pressure on insurers,... View Details
- 12 Jul 2006
- Research & Ideas
Competition the Cure for Healthcare
Last month HBS Working Knowledge offered an excerpt from Redefining Health Care: Creating Value-Based Competition on Results, by Harvard Business School professor Michael E. Porter and Elizabeth Olmsted Teisberg. The U.S. healthcare... View Details
- 05 Jun 2006
- Research & Ideas
Using Competition to Reform Healthcare
Care: Creating Value-Based Competition on Results, Michael E. Porter and Elizabeth Olmsted Teisberg take a systemic approach to healthcare reform. Today's system is dysfunctional, they argue, rewarding participants who redirect costs and... View Details
- October 2014
- Case
Progressive, 2007-2013
By: John R. Wells and Galen Danskin
In 2013, Progressive was the fourth largest player in the auto insurance market, having lost the third position to GEICO in 2008. As the industry shifted from agency to online sales, GEICO's direct selling model positioned it strongly for growth. Progressive's direct... View Details
Keywords: Strategic Change; Insurance Companies; Insurance; Strategy; Insurance Industry; North America
Wells, John R., and Galen Danskin. "Progressive, 2007-2013." Harvard Business School Case 715-427, October 2014.