The construction industry has digitized, but the insurance industry hasn’t kept up. Most carriers still price risk based on outdated proxies, ignoring the massive amount of real-time safety and operational data available through tools like Procore and Samsara.

This disconnect means safer, tech-forward contractors are subsidizing the premiums of their higher-risk competitors.

My guest, Danil Kolesnikov, Founding Engineer at Shepherd, joins me to discuss how they are using technology to fix insurance pricing.

We dive into Shepherd’s thesis that contractors who use software to manage their jobsites are inherently better risks and should be priced accordingly. Danil explains the engineering behind their proprietary underwriting platform, how the “Shepherd Savings” program turns software usage into premium credits, and why accurate, data-driven pricing is the only way to build a sustainable book in high-hazard industries.

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