Specialty Insurance · P&C

Blackthorn Specialty Group

"Specialty P&C, underwritten to hold under strain."

Hartford, CT ·$2.4B gross written premium, 1,600 employees, commercial auto + specialty liability + property MGA

The Story Hook

What's happening at Blackthorn Specialty Group?

Commercial Auto Southeast book runs loss ratio at ~3.10 against a mean of ~0.77 (+3.58σ), driven by both a claim-frequency spike and severity inflation on liability perils. The rest of the book is in appetite.

The People

Three protagonists.

Hero Persona

Reagan Ostrovskaya

CFO

"One book. Southeast. Commercial Auto. That is the walk. Not a shrug at the aggregate."

Protagonist

Zainab Owusu-Frishberg

Underwriting Manager, Commercial Auto

"Give me the re-underwriting plan I can present."

Analyst

Amir Nakkash-Tetteh

Actuarial Analyst

""


Pick this one

Ready to build?

In Beat 2 of the workshop, you'll pick Blackthorn Specialty Group as your storyline. Claude Code has already read the semantic model, knows the personas, and understands the signal in the data. You describe the dashboard you want in plain English. It builds.

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