Medical malpractice insurance could be one of the riskiest businesses on the planet today. Competition for customers is fierce. Claims can be complex. Litigation is often protracted and expensive, and sometimes not even the sky is the limit for the awards. How can an insurer prosper in such an environment? The answer today appears to be a combination of guts, experience and timely information. For Frontier Insurance Company of Rock Hill, New York, we can add data warehouse technology to the list. Over the last decade, Frontier has established a phenomenal reputation in the insurance industry as a leading provider of specialty insurance. They provide traditional coverage for medical malpractice and workers' compensation, but also an eclectic array of coverages, from campground operators to crane rental operations.

The company reported nearly $300 million in premium revenue in 1996; it holds over a billion dollars in assets and has more than $200 million in surplus reserves. By insurance industry standards, this is not particularly large, but in the specialty insurance business, it is remarkable.

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