Cloverleaf Blog

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…

By Michael Schwabrow Since joining Cloverleaf Analytics two years ago, this phrase has been one of my favorites in terms of explaining the value of our machine learning (ML) technology. However, this isn’t just a catchphrase, but it defines the critical worth of ML. In an industry that delivers value in protecting the insured against…

Redefining What is Insurance Analytics Today By Michael Schwabrow There comes a moment when holding onto traditional methods stops being cherished and starts becoming an existential threat. A century ago, some farmers insisted on keeping horses for plowing their fields even as tractors became widely available. Don’t get me wrong, I own and love horses.…

Is It Time to Redefine What is Insurtech in 2025? By Michael Schwabrow This year, Cloverleaf will celebrate 10 years since our founding as one of the pioneers of insurance analytics. As the insurance industry is halfway through a decade with perhaps the most transformation we have since in such a short period of time,…

By, Michael Schwabrow, EVP of Sales and Marketing, Cloverleaf Analytics From the start of the year, it was clear AI would be a driving force influencing nearly all insurtechs, insurance companies, analyst agendas, and event themes. Underneath the excitement around AI, was a refreshing realization that real AI that insurers and the insured would find…

* By Michael Schwabrow Our industry is at a crossroads. Insurers who are proactive, strategic, and realistic about adopting emerging technologies stand a lot to gain if they take their data, employee and customer relationships, and processes seriously.  When looking at these dimensions, in this article I will cover specifically: –            People: How to build…

By Michael Schwabrow In our previous blog posts, I have laid out the business case for why insurers should monitor the ROI of their data programs. We have touched on the people that should be involved in this effort along with ensuring that carriers are using the right data analytics technologies for their business. We…