Script collection

Insurance & Actuarial Risk conversation scripts

10 spoken scripts and techniques for Insurance & Actuarial Risk conversations, collected on one page. Practice them out loud in Dehurdle.

These scripts are for practicing conversations. They are not medical, legal, or financial advice. Follow your organization's policies and the guidance of qualified professionals.

Dehurdle editorial team

Published August 19, 2026 · Updated October 4, 2026

Defending Loss Ratios and Catastrophe Risk Exposure to Global Reinsurers

Following heavy hurricane seasons, global reinsurance treaties face steep rate increases. How Chief Risk Officers negotiate quota share treaties and excess-of-loss attachments.

The Reinsurance Treaty Defense Script

Recommended script

"While industry loss ratios spiked due to Atlantic storm activity, our aggressive coastal moratorium reduced our Florida direct written exposure by 32%. Our RMS cat modeling demonstrates a 1-in-250 year Probable Maximum Loss of $42M, well within our proposed $50M excess-of-loss attachment point. We propose a 12% rate adjustment with a 20% no-claims profit commission."

Justifying a $45M Increase in Incurred But Not Reported (IBNR) Casualty Loss Reserves

CFOs push back on actuarial reserve increases because they reduce reported quarterly net income. How Appointed Actuaries defend conservative IBNR casualty reserves.

The Actuarial IBNR Defense Script

Recommended script

What to say to the CFO: "Social inflation and rising commercial litigation nuclear verdicts have extended the casualty tail. Our Bornhuetter-Ferguson loss development models indicate commercial auto loss severity has grown by 14% year-over-year. Increasing our IBNR reserves by $45M today reduces our regulatory risk and supports our A- rating with A.M. Best."

Defending Complex Commercial Property Claims Against Bad-Faith Allegations

When commercial policyholders threaten bad-faith insurance litigation over flood vs. wind causation, claims directors must present objective engineering investigation records.

The Objective Causation Claim Defense

Recommended script

"We have handled this claim with utmost good faith throughout the investigation. The independent forensic structural engineering report concluded that 70% of structural roof failure resulted from pre-existing unmaintained beam corrosion rather than direct storm wind damage. We have issued payment for the full covered wind damage portion ($420k) and remain open to reviewing any contrary licensed engineering evidence."

Selling Parametric Drought and Hurricane Payout Policies to Agribusiness

Traditional crop insurance can take months to adjust loss payments. How insurtech brokers pitch instant parametric insurance triggered by verified satellite indices.

The Parametric Instant Payout Pitch

Recommended script

"Parametric insurance avoids lengthy claim adjuster delays. If NOAA radar detects sustained wind speeds exceeding 110 mph within a 20-mile radius of your solar farms, an automated $5M liquidity payout is wired to your operating account within 72 hours, with no traditional loss adjustment required."

Striking Restrictive Regulatory Exclusions in Directors & Officers (D&O) Policies

Underwriters often insert broad SEC regulatory exclusions in D&O policies that leave founders personally liable. How risk managers negotiate comprehensive Side-A coverage.

The Dedicated Side-A DIC Tower Script

Recommended script

What to say to the lead underwriter: "To protect our board directors prior to our IPO filing, we require a dedicated $25M Side-A Difference-in-Conditions (DIC) excess tower that drops down unconditionally in the event of corporate insolvency or regulatory defense advancement disputes, with a complete strike of the broad SEC investigation exclusion."

Interviewing Suspected Fraud Claimants with Objective Clinical Surveillance

When video surveillance shows a worker claiming total permanent back disability lifting engine blocks at a private auto shop, conducting the sworn claim interview requires calm legal precision.

The Functional Capacity Discrepancy Script

Recommended script

What to say in the sworn deposition: "In your formal disability affidavit dated June 12th, you swore under penalty of perjury that you cannot lift objects exceeding 5 pounds. I am showing you Exhibit D: timestamped surveillance video from July 3rd showing you unassistedly lifting and carrying a 65-pound transmission at an auto repair facility. How do you reconcile that physical activity with your sworn statement?"

Persuading Conservative Underwriters to Adopt Instant Automated Decisioning

Senior underwriters fear automated AI decisioning will misprice risk. How insurtech founders pitch Straight-Through Processing (STP) with strict human-in-the-loop triggers.

The Straight-Through Processing (STP) Pitch

Recommended script

"Our AI underwriting engine automates low-complexity small commercial risks representing 65% of your application volume, issuing quotes in 90 seconds while applying strict actuarial rules. Any submission with anomalous building characteristics or loss history above $25k is automatically flagged and routed directly to a senior underwriter for manual review."

Defending Historic Commercial General Liability (CGL) Environmental Coverage

When the EPA issues an $80M Superfund site remediation notice, policyholders must prove historic 1970s CGL occurrence policies provide sudden-and-accidental coverage.

The Historic CGL Occurrence Policy Defense

Recommended script

"Our archival insurance archeology has located verified policy certificates for 1972 through 1978 underwritten by your predecessor entity. The sudden pipe rupture causing groundwater contamination falls squarely within covered occurrence terms under the historical Sudden and Accidental pollution exception, which we believe triggers your defense and indemnity obligations."

Presenting Single-Point-of-Failure Cloud Outage Risk Models to Reinsurance Panels

Reinsurers fear a single major AWS or Azure cloud outage could trigger hundreds of concurrent business interruption claims across a cyber portfolio. How to present realistic aggregation models.

The Cyber Aggregation Sub-Limit Presentation

Recommended script

"To control systemic cloud accumulation risk, our commercial cyber book enforces a mandatory 12-hour waiting period for cloud business interruption claims and caps aggregated cloud service provider payouts at $25M per event, limiting the primary treaty's exposure to catastrophic systemic cloud downtime losses."

Resolving Property Damage Subrogation Allocations Between 4 Insurance Carriers

Following a multi-million dollar warehouse fire, property, sprinkler, electrical, and general liability carriers feud over comparative fault. The proportional subrogation settlement script.

The Proportional Subrogation Settlement Script

Recommended script

What to say to the carrier roundtable: "Continuing formal inter-company arbitration will consume $300k in forensic engineering and legal costs across all four carriers. Based on the fire origin report pinpointing the faulty electrical transformer, we propose a clean 60/25/15 liability allocation among the equipment manufacturer, installation contractor, and property management firm, settling all recovery claims today."

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