Mikhail Gorshunov

Mikhail Gorshunov

Research • Data Science • Applied Economics

Empirical research on markets, organizations, and risk.

Market Intelligence & Insurance Economics

California's surplus lines homeowners market has entered a new phase — driven by access, not wildfire risk

2026 • Insurance Journal • Republished by Claims Journal and Carrier Management

The evolution of homeowners insurance in California—from niche to necessity

2025 • Insurance Journal • Republished by Claims Journal
Presentations

From niche to necessity: Evolution of surplus lines homeowners insurance

2025 • SLA Annual Meeting

E&S home insurance shift in California

2024 • SLA Annual Meeting
Corporate Governance & Financial Corruption

Deception in financially corrupt organizations

2019 • Journal of Business and Behavioral Sciences

Email me for official journal-formatted copies.