It’s bad enough that property/casualty insurance companies are trying to fend off competitors in their own industry—and potential disrupters from outside—both vying to steal good risks away at lower prices. Add to that an internal conflict within an insurance company’s ranks between the two functions that can make or break an underwriting profit and it’s no wonder that ROEs are sagging. That’s essentially the assessment presented by Bret Shroyer, Solutions Architect for Valen Analytics, during a September webinar, “Failure to Innovate: What the Underwriter-Actuary Conflict Teaches Us.”