Premiums, Claims & Catch-Up: Why Receivables Are the Hidden Backbone of Insurance

DONNA DELAROSABlog

The Case of the $250 Million Delay Imagine this: Insurer X processes $5B in annual premium receivables and holds $200M in reinsurance recoverables. A cluster of delayed payments hits — 5% of premiums are overdue by 60 days, and 2% slip into long-term disputes. Even if half is eventually collected, the insurer faces a $250M cash flow gap, tying up …