RKRichard Klipin

1. Article · Sep 29, 2026 · Richard Klipin

   A Code built on evidence, not instinct (opens the original)

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   Good decisions rest on evidence. When a choice carries weight - when other people will live with the result - we make it on what can be shown and tested, rather than on instinct, on what we would prefer to be true, or on whoever argues with the most conviction. That discipline matters most when a profession sets the standard it will be judged against, because a standard is only as sound as the evidence beneath it. We take this for granted almost everywhere else. In a courtroom, a case is won or

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2. Article · Sep 9, 2026 · Richard Klipin

   Affordability and accessibility are regulatory outcomes too (opens the original)

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   Everyone in insurance is talking about affordability. They are also talking about accessibility, and they are right to be talking about both. Premiums have risen hard, underinsurance is climbing and for too many households and businesses, cover that was once routine now takes real sacrifice. Most of that conversation is about weather, reinsurance and claims inflation. Those forces are real, they are global, and they are slow to shift. There is another driver; it sits within our own control as a

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