Demotech, Inc. is urging regulators, legislators, insurers and other stakeholders to present insurance loss costs by claim-status components as technology-enabled litigation, online marketing, advertising, third-party litigation funding, alternative business structures and managed services organizations reshape claims activity. The firm is also sponsoring the inaugural Business Insurance Claims Legal Series Conference on Nov. 11, 2026, at the Union Club of The City of New York. Demotech President and Co-founder Joseph L. Petrelli said a 2022 postmortem of failed carriers identified new annual litigation as the proximate cause of their destruction, while subsequent research by Todd Kozikowski linked industrial-scale increases in litigated claims to technology, online marketing and advertising, sometimes financed by third-party litigation funding. Demotech says loss costs should separately identify claims closed without payment, litigated claims and non-litigated claims; the additional detail would not change the composite dollar amount but could show how claim transitions and annual cost trends affect each component.