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Our latest thinking on the issues that matter most in business and management.
Engineered stone countertops contain 90%+ silica — and are causing irreversible lung disease in young workers. Mass tort setup is unmistakable.
AI is reshaping TPA workflows, but complex claims still expose fragmented data, weak documentation, and legal-spend blind spots
Workers' comp posts an 86% combined ratio — but injured workers now miss 80 days on average, and claim complexity is quietly driving legal spend.
Legal spend on complex claims is a signal, not just a bill. Reading the numbers as strategy — before decisions lock in — is where the savings live.
The Roundup ruling may narrow failure-to-warn exposure, but it does not eliminate the need for active claims review.
Social inflation may be external, but claim documentation, litigation budgets, reserve discipline, and counsel oversight are within the program’s control.
For captive owners, the goal is not only to retain risk more efficiently.
Artificial intelligence is becoming part of routine business operations faster than insurance coverage is adapting.
Alan Gray was established in 1988 as a claims and audit advisory firm, and over the years has built a reputation as a cost-effective, reliable, and trusted resource to those involved in the management of risk.
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