This isn’t a question that I have heard asked around the insurance market, but in a time when many carriers are looking to do things a little differently, it is the perfect question to ask if you don’t want to reinvent the wheel or relearn mistakes learned by others several times in the past. There are two traits that I think that most live underwriting firms would recognize in their run-off company colleagues. The first is their ability to manage costs and their second is their claims management ability.