Episode 13 of Marsh FINPRO’s Powered By podcast series examines directors & officers (D&O) risk through the practical lens of analytics, with Marsh experts Mike Carls and Allison (Allie) Pan explaining how broad data sets and proprietary claims history feed predictive models that anticipate both frequency and severity of suits. They show why D&O is a powerful prism for enterprise risk—how market signals, valuation shifts, M&A, and operational events can trigger investor losses—and how models are pressure tested and translated into limit-adequacy conversations at the board level. Listeners will get a clear sense of the questions insurers and executives should be asking to turn numbers into action: what to protect, how much to buy, and how to measure the value of every premium dollar.
The conversation then pivots to emerging risks in energy and power, where rapid demand growth, geopolitical supply-chain pressures, wildfire liability, and cyber-to-physical threats are reshaping historically stable utilities. Allie and Mike discuss the modeling challenges these uncertainties pose—when to use stochastic scenarios, when to pull in physics or sensor data, and why tail risks (beyond the 99th percentile) matter for resilience. The episode is full of practical insights and examples for risk managers and executives who want analytics that not only forecast exposures but help them design efficient insurance strategies and long-term mitigation plans—making it a must-listen for anyone responsible for enterprise risk in volatile sectors.
Senior Vice President, FINPRO Power & Renewables Leader
United States
Sarah is a Senior Vice President at Marsh where she leads a national team of FINPRO colleagues with specialized expertise in the Energy and Power sector.
Assistant Vice President
United States
Grace Brighter is an Assistant Vice President within Marsh’s FINPRO Placement Team. She is responsible for working with insurance carriers and negotiating competitive coverage for her clients.
Data & Analytics Leader, FINRPO US
United States
Mike advises organizations on complex Directors & Officers and broader Financial Lines risks, helping clients make more informed decisions around cost, volatility, and risk transfer strategy through analytics-driven insight.
Senior Vice President, Emerging Risks, Marsh Advisory
United States
As a Senior Vice President with Marsh Advisory, Allie Pan is responsible for helping clients understand their strategic risks, especially in nascent and complex peril classes such as cyber, climate, violent threats, and supply and value chains. Allie specializes in the ways in which peril classes converge or are interdependent. This enables her clients to assess their risks in gray areas that are difficult to capture in traditional risk analysis.
