The PRMA Insurance Thought Leaders Insight Series with Spencer Houldin, alongside leading thought leaders in the industry, aims to examine the insurance terrain, identify solutions to navigating the bumpy roads, and provide a roadmap that guides risk management professionals in the right direction.

 In this episode with Scott Carmilani, Executive Chairman & Chief Executive Officer at Vault Insurance, Spencer and Scott explore the factors influencing construction costs, the need for pricing models to adjust to changes in the construction landscape, and the historical context surrounding homeowners' contracts.  Scott has transitioned through different positions in the insurance industry, he brings a unique "outsider's" viewpoint to high-net-worth personal insurance. 

Scott started his career at AIG where over the course of 15 years he held various management roles. From there he became Chairman and CEO of Allied World which was eventually purchased by Fairfax Insurance entities. At Fairfax he served as the President of Strategy and Distribution.