Advocate Technologies

The Insurance Intelligence Platform for Commercial Real Estate

[Advocate Technologies @tryadvocate]

Great product takes great ops.
Just ask Grace.
#AdvocateTechnologies #Insurtech #ProductOps

https://t.co/G6D5wrCeJv

[Advocate Technologies @tryadvocate]

Listen to Advocate Insurance Desk on Spotify for Creators https://t.co/TkJAVr0Qcf

[Advocate Technologies @tryadvocate]

AI Just Got Quietly Excluded From Your CGL Policy. https://t.co/1zQDpOzPK9 via @YouTube

[Advocate Technologies @tryadvocate]

If your A&B coverage got carved out of your GL policy tomorrow, would you know?

Most operators don't. The number on the declaration page hasn't changed, but what's actually responding to a claim has. Carriers have been quietly sublimiting A&B down to $250K, or excluding it entirely, while the headline limit still reads $1M.

CRC just launched a standalone A&B policy built to fix one piece of that gap: $1M per occurrence, $2M aggregate, structured so your excess tower can actually stack above it.

It's a real step forward. It's also a $1M product sitting under $30M+ verdicts.

We broke the whole thing down on this week's Advocate Insurance Desk, including the mainline case that shows what happens when this coverage actually gets tested.

Brokers, operators, what are you seeing at renewal?

[Advocate Technologies @tryadvocate]

Assault and Battery Exclusions: The Hidden Coverage Gap

New Podcast out now:

https://t.co/DVSndYUsyr via @YouTube

[Advocate Technologies @tryadvocate]

Bond markets used to work like insurance does today: phone calls, relationships, deals priced in private.

Then Bloomberg happened.

Insurance doesn't have a people problem. It has a data structure problem.

And until that gets fixed, buyers are flying blind.

Katie Dowson and Grace Schmidt got into it on last week's episode 🎧

Youtube: https://t.co/k5yc54rink
Spotify: https://t.co/kn1XOk0Pvv
Apple: https://t.co/8uyjMub0WU

[Advocate Technologies @tryadvocate]

How Advocate Is Bringing Bloomberg-Style Transparency to Insurance https://t.co/ahf6N6LVQR via @YouTube

[Advocate Technologies @tryadvocate]

La Niña shaped cat pricing more than most underwriters will admit.
It's gone now. Episode here: https://t.co/X2XIiIw297

[Advocate Technologies @tryadvocate]

Insurers priced for La Niña. Now it's gone.
That's not a weather story. That's a balance sheet story.
We break it down: https://t.co/X2XIiIvujz

[Advocate Technologies @tryadvocate]

What La Niña Actually Does to Insurance Pricing https://t.co/ic610UIdn1 via @YouTube

[Advocate Technologies @tryadvocate]

KKR and Blackstone walked away from data center debt.

Not because the deals were bad. Because they couldn't get comfortable with the insurance picture.

This is what happens when a market has never had to show its work.

New episode: https://t.co/nFe1DgGdyX

[Advocate Technologies @tryadvocate]

KKR and Blackstone passed on data center debt.

The deals were fine. The insurance picture wasn't.

$30 billion project. $4 billion in coverage.

In equities you have Bloomberg. In debt you have spreads. In insurance you have someone's word.

When that word isn't good enough — the deal dies.

This is happening across commercial real estate right now. Data centers are just the version that made the front page.

https://t.co/9Xmq93nf4D

[Advocate Technologies @tryadvocate]

March Madness: What NC and CT Multifamily Insurance Data Actually Shows https://t.co/RIqLB8mcxm via @YouTube

[Advocate Technologies @tryadvocate]

Illinois nursing home liability insurance is becoming one of the toughest markets in the country. Learn why here -> https://t.co/hWTDlRpJh1

[Advocate Technologies @tryadvocate]

New episode out now! Why Illinois Nursing Homes Pay 8x More for Insurance https://t.co/I1v8hY06AE via @YouTube

[Advocate Technologies @tryadvocate]

Insurance markets are still operating like it’s the 1800s.

Ironically, commodities markets fixed this problem in the 1800s.

This episode explains why standardization changed everything — and why insurance hasn’t caught up.

https://t.co/jHUzLs8Wog

[Advocate Technologies @tryadvocate]

Insurance still operates without a reference price.

Commodities solved that problem 200 years ago.

In this episode we explain what the insurance industry can learn from the 1800s commodities markets 👇
https://t.co/AAGLqF5cqD
via @YouTube
The episode explores how standardization and reference pricing transformed commodities markets and why insurance still lacks that structure.

[Advocate Technologies @tryadvocate]

Why Insurance Is Still in the 1800s and What the Commodities Market Teac... https://t.co/9hndvmWrLT via @YouTube

[Advocate Technologies @tryadvocate]

We regularly see 300 to 400 percent pricing differences in commercial insurance.

Why?

Because most people cannot see the full market.

In this episode, we show how a CAT event repriced California property insurance by up to 85 percent.

Watch here:
https://t.co/b6dCIrBotS

[Advocate Technologies @tryadvocate]

Insurance is a lagging industry.

Pricing is the last variable to move.

After the LA wildfires, California property rates increased as much as 85 percent within ten months.

We walk through the full financial flow-through in our latest episode.

Watch here:
https://t.co/2dWAEgDwDs