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# Taylor Fry

We find the patterns that matter

## Sitemaps

- [XML Sitemap](https://taylorfry.co.nz/sitemap.xml): Contains all public & indexable URLs for this website.

## Articles

- [RADAR FY2023 - Biggest profits since 2014, but affordability threatens sustainability](https://taylorfry.co.nz/articles/radar-fy2023/)
- [Cyber risk Green Paper tackles major concerns for public and private sectors](https://taylorfry.co.nz/articles/cyberriskgreenpaper/)
- [Well, that generative AI thing got real pretty quickly](https://taylorfry.co.nz/articles/well-that-generative-ai-thing-got-real-pretty-quickly/)
- [RADAR 2019](https://taylorfry.co.nz/articles/radar-2019/)
- [Where are the businesses most reliant on JobKeeper (January)?](https://taylorfry.co.nz/articles/where-are-the-businesses-most-reliant-on-jobkeeper-jan-2021/)
- [Win-Li Toh awarded Insurance Leader of the Year 2023](https://taylorfry.co.nz/articles/win-li-toh-awarded-insurance-leader-of-the-year-2023/)
- [The cyber wake-up call we had to have?](https://taylorfry.co.nz/articles/the-cyber-wake-up-call-we-had-to-have/)
- [Effective cyber hygiene – what cyber claims tell us](https://taylorfry.co.nz/articles/effective-cyber-hygiene-what-cyber-claims-tell-us/)
- [A life in the career of an actuary](https://taylorfry.co.nz/articles/a-life-in-the-career-of-an-actuary/)
- [New mandatory climate disclosures – what small to medium insurers need to know](https://taylorfry.co.nz/articles/new-mandatory-climate-disclosures-what-small-to-medium-insurers-need-to-know/)
- [RADAR 2020](https://taylorfry.co.nz/articles/radar-2020/)
- [Cyber insurance - key issues for insurers](https://taylorfry.co.nz/articles/cyber-insurance-key-issues-for-insurers/)
- [Building cyber resilience – 4 critical steps for boards](https://taylorfry.co.nz/articles/building-cyber-resilience-4-critical-steps-for-boards/)
- [Press release – Taylor Fry announces Canberra chief for government practice](https://taylorfry.co.nz/articles/press-release-taylor-fry-announces-canberra-chief-for-government-practice/)
- [Media release – Taylor Fry wins Best Public Sector Evaluation](https://taylorfry.co.nz/articles/media-release-taylor-fry-wins-best-public-sector-evaluation/)
- [Australia's EV boom - How insurers need to respond](https://taylorfry.co.nz/articles/australias-ev-boom-how-insurers-need-to-respond/)
- [Key trends in quantitative evaluation for Government](https://taylorfry.co.nz/articles/key-trends-in-quantitative-evaluation-for-government/)
- [Iran conflict fuelling compounding risks for Australian insurers](https://taylorfry.co.nz/articles/iran-conflict-fuelling-compounding-risks-for-australian-insurers/)
- [When the heat is on: Where Australia’s workers face greatest risk](https://taylorfry.co.nz/articles/when-the-heat-is-on-where-australias-workers-face-greatest-risk/)
- [RADAR New Zealand Snapshot](https://taylorfry.co.nz/articles/radar-new-zealand-snapshot/)
- [RADAR FY2023 New Zealand Snapshot](https://taylorfry.co.nz/articles/radar-fy2023-new-zealand-snapshot/)
- [RADAR FY2024 – Strongest result in more than 10 years, but insurers in regulator sights](https://taylorfry.co.nz/articles/radar-fy2024/)
- [RADAR FY2024 New Zealand Snapshot](https://taylorfry.co.nz/articles/radar-fy2024-new-zealand-snapshot/) - Discover how the general insurance market is faring in Aotearoa, as we take a step-by-step view of the major events, trends and hot topics affecting insurers
- [RADAR FY2025 – Balance and meaningful action vital amid huge wins](https://taylorfry.co.nz/articles/radar-fy2025-balance-and-meaningful-action-vital-amid-huge-wins/)
- [Climate change: key considerations for general insurers](https://taylorfry.co.nz/articles/climate-change-key-considerations-for-general-insurers/)
- [Australian Actuaries Intergenerational Equity Index Update](https://taylorfry.co.nz/articles/australian-actuaries-intergenerational-equity-index-update/)
- [NSW Ministry of Health releases Taylor Fry report](https://taylorfry.co.nz/articles/nsw-ministry-of-health-releases-taylor-fry-report/)
- [Launch of the Australian Actuaries Intergenerational Equity Index](https://taylorfry.co.nz/articles/launch-of-the-intergenerational-equity-index/)
- [Inequality Green Paper <br>calls for government policy reform to tackle economic equality gap](https://taylorfry.co.nz/articles/inequality-green-paper-calls-for-government-policy-reform-to-tackle-economic-equality-gap/)
- [Taylor Fry boosts climate expertise](https://taylorfry.co.nz/articles/taylor-fry-boosts-climate-expertise/)
- [LA wildfires –  implications for the upcoming Australian reinsurance renewals](https://taylorfry.co.nz/articles/la-wildfires-implications-for-the-upcoming-australian-reinsurance-renewals/)
- [Pathways to Homelessness offers insights for government](https://taylorfry.co.nz/articles/pathways-to-homelessness-offers-insights-for-government/)
- [RADAR 2018](https://taylorfry.co.nz/articles/radar-2018/) - Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
- [Disability report reveals major inequality, need for collective action](https://taylorfry.co.nz/articles/disability-report-reveals-major-inequality-need-for-collective-action/)
- [NSW Department of Communities and Justice releases Taylor Fry report](https://taylorfry.co.nz/articles/nsw-department-of-communities-and-justice-releases-taylor-fry-report/)
- [Increase in Australians with disability – new ABS survey](https://taylorfry.co.nz/articles/increase-in-australians-with-disability-new-abs-survey/)
- [Disability Royal Commission releases Taylor Fry’s report on the economic cost of violence, abuse, neglect and exploitation](https://taylorfry.co.nz/articles/disability-royal-commission-releases-taylor-frys-report-on-the-economic-cost-of-violence-abuse-neglect-and-exploitation/)
- [Forecasting future outcomes - Children of the revolution](https://taylorfry.co.nz/articles/forecasting-future-outcomes/)
- [Cyber update – protection gap widens for SMEs](https://taylorfry.co.nz/articles/cyber-update-protection-gap-widens-for-smes/)
- [Elevated premiums and profits – what’s really going on in New Zealand?](https://taylorfry.co.nz/articles/elevated-premiums-and-profits-whats-really-going-on-in-new-zealand/)
- [What climate disclosure means for the public sector](https://taylorfry.co.nz/articles/what-climate-disclosure-means-for-the-public-sector/)
- [Mandatory climate disclosures – what’s new for insurers](https://taylorfry.co.nz/articles/mandatory-climate-disclosures-whats-new-for-insurers/)
- [Their Futures Matter modelling released](https://taylorfry.co.nz/articles/their-futures-matter-modelling-released/)
- [Living life to the full – Dan’s on a role](https://taylorfry.co.nz/articles/living-life-to-the-full-dans-on-a-role/)
- [How inflation is changing the insurer landscape](https://taylorfry.co.nz/articles/how-inflation-is-changing-the-insurer-landscape/)
- [Taylor Fry achieves new ISO 27001 standard](https://taylorfry.co.nz/articles/taylor-fry-achieves-new-iso-27001-standard/)
- [Taylor Fry co-founder Martin Fry reflects on his life, work and the path ahead](https://taylorfry.co.nz/articles/taylor-fry-co-founder-martin-fry-reflects-on-his-life-and-work/) - Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
- [The surprising life of Taylor Fry co-founder and actuarial guru Greg Taylor](https://taylorfry.co.nz/articles/the-surprising-life-of-taylor-fry-co-founder-and-actuarial-guru-greg-taylor/)
- [Meet our grads <br /><span class='notbold'>Jason Gu</span>](https://taylorfry.co.nz/articles/meet-our-grads-jason-gu/)
- [Meet our grads <br /><span class='notbold'>Stacey Lin</span>](https://taylorfry.co.nz/articles/meet-our-grads-stacey-lin/)
- [Meet our grads <br /><span class='notbold'>Aidan Robern</span>](https://taylorfry.co.nz/articles/meet-our-grads-aidan-robern/)
- [Shooting from the heart: how simple truths and taking chances became a winning actuarial model](https://taylorfry.co.nz/articles/shooting-from-the-heart-how-simple-truths-and-taking-chances-became-a-winning-actuarial-model/)
- [Workers compensation and our ageing workforce](https://taylorfry.co.nz/articles/workers-compensation-and-our-ageing-workforce/)
- [How AI is transforming insurance](https://taylorfry.co.nz/articles/how-ai-is-transforming-insurance/)
- [How AI will be impacted by the biggest overhaul of Australia’s privacy laws in decades](https://taylorfry.co.nz/articles/how-ai-will-be-impacted-by-the-biggest-overhaul-of-australias-privacy-laws-in-decades/)
- [Data privacy – could traditional approaches work for machine learning models?](https://taylorfry.co.nz/articles/could-traditional-data-privacy-methods-work-for-machine-learning-models/)
- [What’s new in the Privacy Act review and what it may mean in practice](https://taylorfry.co.nz/articles/whats-new-in-the-privacy-act-review/)
- [New Zealand general insurance update 2021 – weather, regulation and affordability high on insurers’ minds](https://taylorfry.co.nz/articles/new-zealand-general-insurance-update-for-2021-and-beyond/)
- [International Women’s Day – STEMming the gaps](https://taylorfry.co.nz/articles/international-womens-day-stemming-the-gaps/)
- [Ambulance delays – why 'more paramedics' is only a short-term fix](https://taylorfry.co.nz/articles/ambulance-delays-why-more-paramedics-is-only-a-short-term-fix/)
- [The path to suicide prevention](https://taylorfry.co.nz/articles/the-path-to-suicide-prevention/)
- [Data for good – Bringing meaningful change to people’s lives](https://taylorfry.co.nz/articles/data-for-good-bringing-meaningful-change-to-peoples-lives/)
- [Lessons learned one year on – Algorithm charter for Aotearoa New Zealand](https://taylorfry.co.nz/articles/lessons-learned-algorithm-charter-for-aotearoa-new-zealand/)
- [Accuracy and causality the hot topics in data science at SIGKDD 2022](https://taylorfry.co.nz/articles/accuracy-and-causality-the-hot-topics-in-data-science-at-sigkdd-2022/)
- [Gender bias in AI and ML – balancing the narrative](https://taylorfry.co.nz/articles/gender-bias-in-ai-and-ml-balancing-the-narrative/)
- [The road not taken – exploring ‘what if?’ with causal analytics](https://taylorfry.co.nz/articles/the-road-not-taken-exploring-what-if-with-causal-analytics/)
- [What does the future of insurance look like in a warmer Aoteroa?](https://taylorfry.co.nz/articles/what-does-the-future-of-insurance-look-like-in-a-warmer-aoteroa/)
- [Game on – winning formula for an actuarial Excel whizz](https://taylorfry.co.nz/articles/game-on-winning-formula-for-an-actuarial-excel-whizz/)
- [The highs, lows and future of ethical machine learning](https://taylorfry.co.nz/articles/future-of-ethical-machine-learning/)
- [Interpretable machine learning – what to consider](https://taylorfry.co.nz/articles/interpretable-machine-learning/)
- [Modelling Victoria’s second wave of COVID-19 cases](https://taylorfry.co.nz/articles/covid-19-in-victoria-modelling-the-second-wave/)
- [Finding the fairness in ethical machine learning](https://taylorfry.co.nz/articles/finding-the-fairness-in-ethical-machine-learning/)
- [We need to talk about interpretable machine learning and embracing robust experimentation](https://taylorfry.co.nz/articles/interpretable-machine-learning-and-experimentation/)
- [RADAR FY2022](https://taylorfry.co.nz/articles/radar-fy2022/)
- [The pandemic – a big win for primary data collection and dashboarding, a loss for AI](https://taylorfry.co.nz/articles/the-pandemic-a-big-win-for-primary-data-collection-and-dashboarding-a-loss-for-ai/)
- [The socioeconomic gradient of health and COVID-19](https://taylorfry.co.nz/articles/socioeconomic-gradient-of-health-and-covid-19/)
- [International modelling win for Taylor Fry Director](https://taylorfry.co.nz/articles/financial-modeling-world-cup-open-win-for-taylor-fry-director/)
- [The role of data in disrupting disadvantage](https://taylorfry.co.nz/articles/the-role-of-data-in-disrupting-disadvantage/)
- [Hugh Miller named 2021 Actuary of the Year](https://taylorfry.co.nz/articles/2021-actuary-of-the-year/)
- [RADAR 2021](https://taylorfry.co.nz/articles/radar-2021/)
- [Some musings on actuarial research](https://taylorfry.co.nz/articles/actuarial-research-in-australia/) - Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
- [The Australian privacy act is changing – how could this affect your machine learning models?](https://taylorfry.co.nz/articles/the-impact-of-proposed-changes-to-the-australian-privacy-act/)
- [When analytics projects go wrong](https://taylorfry.co.nz/articles/when-analytics-projects-go-wrong/) - Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
- [On your blocs: Eurovision is coming!](https://taylorfry.co.nz/articles/on-your-voting-blocs-eurovision-is-coming/)
- [Ethical artificial intelligence](https://taylorfry.co.nz/articles/ethical-artificial-intelligence/)
- [Seeing the forest for the analytics trees](https://taylorfry.co.nz/articles/analytics-trees/)
- [Algorithm Charter for Aotearoa: Six things to be doing now](https://taylorfry.co.nz/articles/algorithm-charter-for-aotearoa-new-zealand/)
- [When the algorithm fails to make the grade](https://taylorfry.co.nz/articles/when-the-algorithm-fails-to-make-the-grade/)
- [Analytics quick wins: Five New Year resolutions to thrive in a climate of economic uncertainty](https://taylorfry.co.nz/articles/advanced-analytics-how-to-thrive-in-a-climate-of-economic-uncertainty/)
- [A practical business guide to the new design and distribution obligations (DDO)](https://taylorfry.co.nz/articles/a-practical-business-guide-to-the-new-design-and-distribution-obligations-ddo/)
- [COVID-19: What’s really driving CTP costs?](https://taylorfry.co.nz/articles/covid-19-whats-really-driving-ctp-insurance-costs/)
- [Modelling the spread of COVID-19 in Victoria](https://taylorfry.co.nz/articles/modelling-the-spread-of-covid-19-in-victoria/)
- [New Zealand general insurance 2020 update: news, views and trends](https://taylorfry.co.nz/articles/new-zealand-general-insurance-2020-update-news-views-and-trends/)
- [After shocks](https://taylorfry.co.nz/articles/nz-insurance-landscape/)
- [People, projections and payments: Modern government service delivery](https://taylorfry.co.nz/articles/data-analytics-and-the-delivery-of-government-services/) - Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
- [Alan Greenfield: The investment approach](https://taylorfry.co.nz/articles/alan-greenfield-the-investment-approach/) - Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
- [Big little highs](https://taylorfry.co.nz/articles/agile-thinking-in-the-general-insurance-industry/)
- [Math made in heaven](https://taylorfry.co.nz/articles/win-li-toh-math-made-in-heaven/)
- [COVID-19: Working from home and mental health](https://taylorfry.co.nz/articles/covid-19-working-from-home-and-mental-health/)
- [Trouble at home: <br/> The breakdown of property-owner protection and how to repair the damage](https://taylorfry.co.nz/articles/trouble-at-home-the-breakdown-of-property-owner-protection-and-how-to-repair-the-damage/)
- [Insurance product update: <br/> Am I meeting the needs of my target market?](https://taylorfry.co.nz/articles/insurance-product-update-am-i-meeting-the-needs-of-my-target-market/)

## Pages

- [Home](https://taylorfry.co.nz/)
- [Insights](https://taylorfry.co.nz/articles/)
- [Join our mailing list](https://taylorfry.co.nz/join-our-mailing-list/)
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- [Your STEM skills belong here](https://taylorfry.co.nz/your-stem-skills-belong-here/)
- [Working at Taylor Fry](https://taylorfry.co.nz/working-at-taylor-fry/)
- [In the media](https://taylorfry.co.nz/in-the-media/)
- [About us](https://taylorfry.co.nz/about/)
- [Life as a grad](https://taylorfry.co.nz/life-as-a-grad/)
- [TF Labs](https://taylorfry.co.nz/tf-labs/)
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- [What we do](https://taylorfry.co.nz/what-we-do-for-clients/)
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- [Our people - old](https://taylorfry.co.nz/people-old/)
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## Services

- [Cyber Risk](https://taylorfry.co.nz/services/cyber-risk/)
- [Appointed Actuary](https://taylorfry.co.nz/services/appointed-actuary/)
- [General Insurance](https://taylorfry.co.nz/services/general-insurance/)
- [Climate and Resilience](https://taylorfry.co.nz/services/climate-and-resilience/)
- [Government](https://taylorfry.co.nz/services/government/)
- [Disability](https://taylorfry.co.nz/services/disability/)
- [Education and Skills](https://taylorfry.co.nz/services/education-and-skills/)
- [Housing and Homelessness](https://taylorfry.co.nz/services/housing-and-homelessness/)
- [Child and Family](https://taylorfry.co.nz/services/child-and-family/)
- [Justice](https://taylorfry.co.nz/services/justice/)
- [Personalisation and Customer Experience](https://taylorfry.co.nz/services/personalisation-and-customer-experience/)
- [Data Science and Machine Learning](https://taylorfry.co.nz/services/data-science-and-machine-learning/)
- [Ethical AI and Governance](https://taylorfry.co.nz/services/ethical-ai-and-governance/)
- [Optimisation, Pricing and Profitability](https://taylorfry.co.nz/services/optimisation-pricing-and-profitability/)
- [Data and Analytics Strategy](https://taylorfry.co.nz/services/data-and-analytics-strategy/)
- [Forensics](https://taylorfry.co.nz/services/forensics/)
- [Health and Aged Care](https://taylorfry.co.nz/services/health-and-aged-care/)
- [Injury Schemes](https://taylorfry.co.nz/services/injury-schemes/)
- [Self-insurance](https://taylorfry.co.nz/services/self-insurance/)
- [Employment and Welfare](https://taylorfry.co.nz/services/employment-and-welfare/)
- [Advanced Analytics](https://taylorfry.co.nz/services/advanced-analytics/)

## People

- [Hugh Miller](https://taylorfry.co.nz/people/hugh-miller/) - Hugh joined Taylor Fry in 2006, working on various actuarial and analytics projects. He now focuses on the social sector, using data to improve policy. He has extensive experience building long-term outcome and cost models across sectors such as employment, welfare, disability and homelessness. His current role also includes leading our in-house research and development
- [Laura Dixie](https://taylorfry.co.nz/people/laura-dixie/)
- [Paul Driessen](https://taylorfry.co.nz/people/paul-driessen/)
- [Tim Yip](https://taylorfry.co.nz/people/tim-yip/)
- [Win-Li Toh](https://taylorfry.co.nz/people/win-li-toh/)
- [Collin Wang](https://taylorfry.co.nz/people/collin-wang/)
- [Preetham Arvind](https://taylorfry.co.nz/people/preetham-arvind/)
- [Jeremy Smith-Roberts](https://taylorfry.co.nz/people/jeremy-smith-roberts/)
- [Ross Simmonds](https://taylorfry.co.nz/people/ross-simmonds/)
- [Andrew Ngai](https://taylorfry.co.nz/people/andrew-ngai/)
- [Darryn Tam](https://taylorfry.co.nz/people/darryn-tam/)
- [Alan Greenfield](https://taylorfry.co.nz/people/alan-greenfield/)
- [Ramona Meyricke](https://taylorfry.co.nz/people/ramona-meyricke-2/)
- [Daniel Stoner](https://taylorfry.co.nz/people/daniel-stoner/)
- [Callum Sleigh](https://taylorfry.co.nz/people/callum-sleigh-2/)
- [Kevin Fong](https://taylorfry.co.nz/people/kevin-fong/)
- [Tom Moulder](https://taylorfry.co.nz/people/tom-moulder/)
- [Dennis Lam](https://taylorfry.co.nz/people/dennis-lam/)
- [Vincent Tu](https://taylorfry.co.nz/people/vincent-tu/)
- [Peter Mulquiney](https://taylorfry.co.nz/people/peter-mulquiney/)
- [Jonathan Cohen](https://taylorfry.co.nz/people/jonathan-cohen/)
- [Ben Locke](https://taylorfry.co.nz/people/ben-locke/)
- [Andrew Song](https://taylorfry.co.nz/people/andrew-song/)
- [Snigdha Prasad](https://taylorfry.co.nz/people/snigdha-prasad/)
- [Anna Cohen](https://taylorfry.co.nz/people/anna-cohen/)
- [Ash Evans](https://taylorfry.co.nz/people/ash-evans/)
- [Sylvia Wong](https://taylorfry.co.nz/people/sylvia-wong/)
- [Scott Duncan](https://taylorfry.co.nz/people/scott-duncan/)
- [Darryl Frank](https://taylorfry.co.nz/people/darryl-frank/)
- [Michel Zhou](https://taylorfry.co.nz/people/michel-zhou/)
- [Danielle Ling](https://taylorfry.co.nz/people/danielle-ling/)

## Categories

- [Uncategorised](https://taylorfry.co.nz/articles/category/uncategorised/)

## Tags

- [Insurance](https://taylorfry.co.nz/articles/tag/insurance/)
- [About us](https://taylorfry.co.nz/articles/tag/about-us/)
- [Actuarial research](https://taylorfry.co.nz/articles/tag/actuarial-research/)
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- [Property](https://taylorfry.co.nz/articles/tag/property/)
- [New Zealand](https://taylorfry.co.nz/articles/tag/new-zealand/)
- [Artificial intelligence](https://taylorfry.co.nz/articles/tag/artificial-intelligence/)
- [RADAR](https://taylorfry.co.nz/articles/tag/radar/)
- [Their Futures Matter](https://taylorfry.co.nz/articles/tag/their-futures-matter/)
- [Graduate program](https://taylorfry.co.nz/articles/tag/graduate-program/)
- [CTP](https://taylorfry.co.nz/articles/tag/ctp/)
- [Intergenerational Equity Index](https://taylorfry.co.nz/articles/tag/intergenerational-equity-index/)
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- [Machine learning](https://taylorfry.co.nz/articles/tag/machine-learning/)
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