Cloverleaf Blog

By Robert Clark, Founder and CEO of Cloverleaf Analytics Forbes: Swarm Decision Intelligence: Why Teams Of AI Agents Could Redefine Insurance Underwriting https://www.forbes.com/councils/forbestechcouncil/2025/10/22/swarm-decision-intelligence-why-teams-of-ai-agents-could-redefine-insurance-underwriting/

By Michael Schwabrow, EVP of Sales & Marketing, Cloverleaf Analytics In the last episode, we retired the duct tape. MacGyvering your way through digital transformation might save a scene on TV, but in insurance it just sets up the next crisis. What works is what worked on another ’80s classic: a plan—and an A‑Team built…

By Michael Schwabrow If you were a TV fan in the ’80s or caught the reruns, you likely remember MacGyver: the unflappable guy who could defuse a bomb with a paperclip, a stick of chewing gum, and whatever else he found lying around. It was impressive. It was fun to watch. And it almost never…

By Michael Schwabrow, EVP of Sales & Marketing, Cloverleaf Analytics Just one more thing… Today’s insurance data scientists do not need a notepad and trench coat like Columbo to surface clues for business growth and operational efficiency improvement. With machine learning, NLP, AI, and powerful self-service analytics dashboards, they can quickly find signals that would…

By Michael Schwabrow “Oh boy.” Those were often the first words of Dr. Sam Beckett as he leapt into a new life, a new identity, and a brand-new challenge on the classic show Quantum Leap. Each leap threw him into unfamiliar circumstances where he had to quickly understand his environment, assess risks, and make critical…

By Michael Schwabrow Thomas Magnum’s risk instincts rarely missed a beat. In the ’80s, without advanced technologies, that kind of intuitive detection made for great television. In 2025, it’s the difference between a profitable quarter and a catastrophic loss. Every year, insurers pay out massive losses that their own data had predicted months earlier. The…

By Robert Clark, Founder and CEO of Cloverleaf Analytics Forbes: The Building Blocks Of The Future Of Insurance https://www.forbes.com/councils/forbestechcouncil/2025/06/12/the-building-blocks-of-the-future-of-insurance/

Michael Knight Had it Right: The Future of Telematics and Insurance Analytics is Here By Michael Schwabrow Before smartphones, smartwatches, or smart cars, there was KITT—a black Pontiac Trans Am with a mind of its own. Equipped with AI, voice command, self-driving capability, and constant system diagnostics, KITT was more than a car. Sure, Michael Knight’s…

By Michael Schwabrow I feel the need…the need for speed. In Top Gun, movie-goers were introduced to the high-stakes, no-nonsense, fast-paced world of fighter pilots. In the real world, these elite aviators rely on cutting-edge cockpits that deliver real-time situational awareness through flawlessly integrated data sources—altitude, radar, threat intelligence—all presented in an intuitive dashboard built…

By Michael Schwabrow Imagine a world where insurance is priced not only based on what you have done in the past but also on high-probability predictions of what you are likely to do. Sounds like a science fiction movie? When the Minority Report came out in 2002 it seemed like such a futuristic concept that…