Let’s explore insurance litigation’s new terrain. This week, Brandon Schuh leads a sharp conversation with Matt Monson of The Monson Law Firm and Todd Kozikowski, CEO and Co-Founder at 4WARN. Delving into topics like mass torts, nuclear verdicts, and litigation harvesting, the episode unpacks aggressive trends driving major changes in claims and coverage, highlighting how private capital, marketing tech, and regulatory gaps are remaking the insurance landscape.

The discussion details how litigation harvesting has become a well-oiled pipeline, fueled by third-party investments and digital lead generation mechanisms. Matt Monson elaborates on law firms' multimillion-dollar deals with hedge funds while Todd Kozikowski exposes 4WARN’s data-driven risk analysis and the ways claims are mass-produced through AI-powered advertising and direct outreach. Social inflation and nuclear verdicts are dissected as top factors raising premiums and challenging the survival of insurance carriers.

Monson and Kozikowski call for smarter oversight and risk management, stressing the urgency for insurers to adapt tactics and regulatory bodies to rein in unscrupulous lead generation. The episode also highlights innovations like parametric-triggered cat bonds after disasters, underscoring the growing complexity of risk mitigation facing carriers today as digital and financial disruptions reshape both litigation and underwriting norms.

Takeaways:

• Litigation harvesting is driving record claim volumes across insurance sectors.

• Third-party funding and hedge funds are key engines of mass torts.

• Digital ads, AI, and direct messaging redefine claims acquisition.

• Nuclear verdicts and social inflation sharply raise costs for insurers.

• Lead generation companies are bypassing traditional legal ads.

• Parametric cat bonds are key for catastrophic risk transfer.

• New regulatory oversight is needed to stabilize litigation risk.

• Data analytics solutions like 4WARN inform risk management for carriers.

Chapters:

00:00 Introduction

01:00 Fast publishing & market turbulence update

03:00 Litigation harvesting mechanics: investment & marketing

07:30 Introducing guests: Matt Monson and Todd Kozikowski

09:00 The effect of nuclear verdicts on premiums

13:00 Third-party funding in mass torts

16:30 Catastrophic events and insurance innovations

20:00 Digital targeting and AI-powered claims lead generation

22:30 4WARN’s analytics: Risk assessment for carriers

26:00 Policy, regulation, and future outlook

Connect with RiskCellar:

Website: https://www.riskcellar.com/

Matt Monson

Founder and Manager, The Monson Law Firm

Website: monsonfirm.com 

LinkedIn: https://www.linkedin.com/in/matthewdmonson/ 

Todd Kozikowski

CEO & Co-Founder, 4WARN

Website: 4warn.com  

LinkedIn: linkedin.com/in/toddkozikowski 

Brandon Schuh:

Facebook: https://www.facebook.com/profile.php?id=61552710523314

LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/

Instagram: https://www.instagram.com/schuhpapa/

Nick Hartmann:

LinkedIn: https://www.linkedin.com/in/nickjhartmann/