Cloverleaf Blog

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…

By Michael Schwabrow, EVP of Sales & Marketing, Cloverleaf Analytics After spending quality time with insurance leaders at the AAIS Main Event in Clearwater, Florida, one question came up repeatedly: “Which type of AI is the best fit for my insurance business?” It’s a timely and important question—one that insurers can’t afford to put off…

By Michael Schwabrow, EVP of Sales and Marketing for Cloverleaf Analytics From seeing our custom Cloverleaf socks being worn on stage by another keynote speaker to hearing amazing insights shared by Robert Clark, Cloverleaf’s founder and CEO on a panel about open-source data, this is just the tip of the iceberg for how awesome this…

By Michael Schwabrow Over 225 years ago, soldiers in Napoleon’s army unearthed what would become one of humanity’s most significant data discoveries. The Rosetta Stone—a fractured slab of granodiorite—bore inscriptions in three distinct scripts: formal hieroglyphics, everyday Demotic text, and Ancient Greek. For centuries, the meaning behind Egyptian hieroglyphics had remained locked away, leaving a…

By Michael Schwabrow Picture this. A mid-sized Nashville insurer—one with roots stretching back 50 years. While other regional insurers poured millions into digital transformation, this firm doubled down on relationships, believing that knowing policyholders by name and sending birthday cards mattered more than predictive analytics. It worked—until it didn’t. Then came Hurricane Bertha. A Category…