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      "text": "Shared Services\nOpportunities for expense efficiency include outsourcing:\nAIPSO (Automobile Insurance Plans Service Office) for rate filing services and web hosting\nWell-established Plans (e.g., New York) for policy issuance and servicing\nPIPSO (Property Insurance Plans Service Office) provides services to its members, including: education, audits, conferences, distribution of ISO circulars, negotiating leverage with vendors, and compilation of industry reports.",
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      "text": "Organizational\nPlans of Operation are generally on file with State Insurance Departments; PIPSO may be able to assist in providing several such documents for Colorado’s reference.\nMany Plans originated with a Servicing Carrier Model (in which a voluntary carrier would issue and service policies and be reimbursed by the Plan for its expense).\nOver time, the vast majority of Plans have migrated to a Syndicate model, where the operations are handled by the Plan (or outsourced to another Plan). This change reduced overhead costs.",
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      "text": "Plan Volumes are Cyclical\nPlans are in a reactive position relative to the actions and appetites of the voluntary market.\nVolumes may increase after a period of natural disaster which leads voluntary market to non-renew the riskiest policies in their portfolio.\nVolumes may then decrease as the voluntary market develops more innovative means of identifying favorable vs. unfavorable risks (e.g., big data, predictive modeling, etc.) and increases its appetite to selectively write policies in a risky segment.",
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      "text": "Source: Discussion with PIPSO\n© Oliver Wyman",
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