Insurance Insight Digest

Florida property insurers have shifted from crisis to rate competition, with 48 carriers filing decreases since January and the average requested...

Platforms, agencies, and carriers are embedding AI with tighter controls rather than open experimentation.

• Platform standards: Insurify blocked...

NEMT carriers scrutinize driver-level risk and safety documentation because passengers are often elderly or disabled.

• Underwriters require complete...

Higher Treasury yields give P&C insurers room to ease pricing while preserving returns. A 90 bp new-money pickup offsets nearly two combined-ratio points on invested assets, though underwriting discipline stays essential.

California's move to ban marital status in auto rates after 30 years creates ripple effects across three groups:

• Unmarried drivers: Face potential...

Ryan Specialty's leadership transition at SSRU underscores continuity in specialty underwriting relationships.

• Heather Jamieson, internal SVP of...

Lower reinsurance costs deliver savings, yet P&C insurers must decide whether to expand margins, fuel growth, or tighten risk selection—credit...

A unanimous Supreme Court ruling in Montgomery v. Caribe Transport II eliminated federal preemption for state negligent-hiring claims against...

• Fundamentals endure: AI reshapes claims work, but speed, communication, return-to-work, and human judgment still drive outcomes
• Tech as enabler:...

The US-Denmark Greenland agreement reduces the risk of a US-forced-entry scenario but moves the primary uncertainty to Greenlandic regulatory...

Axis Capital's naming of Kyle Sternadori as head of U.S. excess casualty and Mike Flaherty as chief underwriting officer of wholesale casualty...

• Individual market premiums rise 10% on average while small-group rates climb 14%, with Grand Junction facing 15.5%.
• Increases stem directly from...

As AI agents execute tasks independently, P&C insurers face unresolved questions on what they are actually underwriting.

• Core shift: Coverage is...

Verisk’s latest wildfire report highlights emerging risk patterns, mitigation strategies, and resilience opportunities that directly inform homeowners...

Insurers have secured major rate hikes under California's new wildfire rules, yet committed to just 12,189 new homeowners policies since January...

Adding a 16-year-old to a family policy can double premiums to $5,910 annually while teen crashes killed 2,636 people in 2024.

Agents should start...

Resolving the federal-state cannabis conflict through the CLAIM Act would let insurers, brokers, and agents cover state-legal marijuana businesses...

UK insurtechs struggle to scale across Europe due to data sharing restrictions.

Key barriers include:

• Access to growth funding and industry...

• Munich Re Specialty will open a Milan branch in 2027 to underwrite Italian primary risks for construction, engineering, commercial property and...

Michigan's 2019 no-fault reforms capped most medical fees but left prescription drugs under vague "reasonable charges" rules, creating an alleged...