Why Insurers Are Still Struggling to Turn AI into Real Transformation
Global research with insurance leaders examines why AI investment often remains tied to existing processes and how insurers are redesigning operating models
Insurance
Insurance provides financial protection against specified risks and unexpected losses in exchange for a premium. Explore the latest insurance news, market trends, underwriting, claims, regulation, risk management and developments affecting insurers, brokers and policyholders.
Black Sea War Risk Expansion Raises Shipping Insurance Costs
JWC expanded its Black Sea Listed Area, increasing war risk exposure for ships and adding insurance costs across Ukrainian and regional routes
AI Agents Push Cyber Insurers to Rethink Policy Language
Cyber insurers are reviewing policy wording as autonomous AI agents create new questions over cyberattack definitions, liability and coverage triggers
US Employer Healthcare Costs Set to Rise in 2027
US employer healthcare costs will rise 9.5% in 2027, taking average annual spending above $19,000 per employee. The forecast extends a run of healthcare cost increases approaching double digits
Generative AI Exclusions Spread Across Contractor Insurance Policies
Contractors who use generative AI on a job may find that their liability coverage does not apply if an AI-related error contributes to a claim. Insurers are rapidly filing exclusion forms for use with the general liability
New US-Canada Tariffs Raise Claims Costs and Insurance Exposures
New US-Canada tariffs raise auto, property, trade credit and business interruption exposures as insurers assess higher repair and supply chain costs
Global Reinsurance Faces Price Erosion as U.S. P&C Insurance Stays Stable
Global reinsurance under pricing pressure in 2026, while U.S. P&C insurance stays stable despite slower growth, softer underwriting profits and earnings
A Californian’s Guide to Open Health Insurance Enrollment: 3 Things to Know
California health insurance enrollment: learn Covered California deadlines, open enrollment dates, special enrollment options, subsidies and Medi-Cal eligibility
US Life Insurance Sales Rise as Whole Life Leads Q2 2026 Growth
The US individual life insurance market delivered another growth quarter in Q2 2026, as total new annualized with excess premium reached $4.7 bn
Global RiskScan 2026: Cyber, Climate & AI Reshape Insurance Risks
RiskScan 2026 reveals how cyber, climate, AI, inflation and business interruption are converging to reshape insurance priorities and risk management
US Home Insurance Claim Severity Hit Record High
US home claim severity rose 25.9% in 2025 as wildfire losses, repair inflation and peril shifts reshaped insurer loss trends
Global Crop Insurance Market to Reach $106 bn by 2035
Global crop insurance market grows as climate risk, public programs, AI risk tools and digital farming raise demand across the US, Europe and Asia Pacific
Q2 2026 Global Insurance Market Index: Where Insurance Rates are Falling Fastest
Global insurance pricing fell 6% in Q2, led by a 12% property drop, as capital, lower reinsurance costs and competition favored buyers
Florida Property Insurance Market Stabilizes as Claims and Lawsuits Decline
Florida’s property insurance market showed its clearest improvement in a decade, with the state’s share of US homeowners claims falling to 4.9% and lawsuits dropping to 41.3%
EU AI Act & Insurance: High-Risk AI, Underwriting Rules & Governance Priorities
The EU delayed parts of the AI Act as US AI funding surged, widening Europe’s gap in capital, compute, talent and data for startups
Global Insurance Sector Outlook Remains ‘Neutral’ at 2026 – Fitch Ratings
The global insurance sector outlook remains ‘neutral’ at 2026, as business conditions have been resilient across most markets to the more challenging macroeconomic environment
US P&C Insurance Industry: Q1 2026 Financial Results
The US P&C insurance industry recorded a $16.3 bn net underwriting gain in the first three months of 2026, up significantly from a $1 bn loss recorded in the prior-year period
Business Aviation Draws Investors as Aerospace M&A Deals Surge
Aerospace and defense M&A reached 532 deals in 2025, as business aviation attracts private equity, family offices, and growth investors
U.S. Cyber Insurance Premiums Rebound as AI Raises Underwriting Risk
U.S. cyber insurance premiums rose nearly 11% in 2025 as policy volume jumped, but weaker pricing, higher losses, and AI-driven threats added fresh pressure
The Top Agencies and Resources to Find Affordable Health Insurance in California
Finding affordable health insurance in California can be overwhelming. You’re faced with dozens of plan options, unfamiliar terms and questions about whether you qualify for subsidies through Covered California
Insurers Face Longer Settlement Cycles and Widening AI Gap in 2026
Insurers enter 2026 with longer settlement cycles, rising volumes, and slow AI adoption, increasing costs and operational risk, AutoRek finds
Global Insurance M&A Steadies as Strategy Replaces Deal Frenzy
Global insurance M&A stabilised, as insurers and brokers took a more strategic approach to acquisitions amid falling interest rates and a realignment of strategic priorities
U.S. Life Insurers Improve as Capital Strength Holds. Fitch Ratings’ Prism scores
U.S. life insurers posted modest Prism score gains, with resilient capital strength despite rising annuity volumes and investment risk pressures
Raising Deductibles vs. Employer-Sponsored Reimbursements: Weighing the Pros and Cons
Health insurance is an integral part of employee benefits packages in the United States. However, any employer federally required to provide this compensation could admit that their costs can be burdensome
The 3 Best Interpreting Solutions for Insurance Claims Processing
How insurers reduce insurance claims delays, compliance risk, and disputes with phone, video, and document translation support
US Insurance Sector Outlook 2026: Returns, Risk & Reform
US insurance sector outlook for 2025-2026: capital strength, social inflation risks, P&C returns peak, Florida reforms, life insurance resilience and alt capital trends
Winter Storm Fern Insured Losses Seen at $4–7 bn, No P&C Insurer Downgrades
Fitch estimates Winter Storm Fern insured losses at $4-7 bn. Losses hit earnings, not capital, with P&C insurers absorbing most claims and no rating downgrades
2026 Atlantic Hurricane Season Shows Intensity Risk Despite no US Landfalls
2026 Atlantic hurricane season passed without a single US hurricane landfall for the first time in ten years, yet still delivered deadly storms, elevated major hurricane activity, and meaningful losses
Geopolitics Drives Higher US Litigation and D&O Insurance Risks
As companies reshore and expand US operations to offset tariffs, Allianz warns boards face rising litigation, class action costs and heightened D&O liability risks
US P&C Insurers Set Decade-Low Combined Ratio Despite Wildfires
Triple-I and Milliman forecast the US P&C industry’s lowest net combined ratio in more than 10 years for 2025, helped by a quiet hurricane season
How Global Insurance and Finance Drive Innovation through Smart Regulation
How insurers use AI, parametric models and data to close the global protection gap, support climate finance, and strengthen resilience amid regulatory fragmentation
US Life Insurers Face Rising Investment Risks: 2026 Outlook
Life insurers keep stable portfolios in 2026, but rising private credit, PLRs, FABNs, and less-liquid assets lift investment risk and regulatory scrutiny
2026 U.S. Property and Casualty Insurance Outlook
Fitch Ratings expects U.S. P&C insurers to post resilient results in 2026, with softer profitability, stable capital, and rising legal and claims pressure
Global Insurance Premium Growth Slowing in 2026 and 2027
Global non-life and life insurance premium growth to stay modest through 2026-2027, with higher bond yields offsetting earnings pressure
2026 Outlook for U.S. Health Insurance Sector
Fitch Ratings warns U.S. health insurers face a tougher 2026 as medical costs rise, ACA subsidies expire, and policy uncertainty weighs on margins
Top 10 Tips for Selecting Safe Cars and Insurance for Teens
Teen drivers face crash rates nearly 4x higher than adults. Safer vehicle choices and smart insurance decisions can lower risk and costs for families
Why Millennials Buying Life Insurance? Top Reasons
Life insurance costs and concerns for millennials plus types of insurance most important to young people. 26% of millennials had trouble affording their insurance
The Bitcoin Volatility Hedge and How Insurers Can Utilize Bitcoin ETFs to Balance Portfolio Risk
Bitcoin ETFs simplify the process. This structure enables you to access your exposure within an asset via an already harmonized structure within the regulations concerning settlement and risk management
U.S. Commercial Insurance Lines Stay Profitable Despite Uneven Performance
AM Best keeps a stable outlook for commercial lines, citing strong results, rising investment income and tech-driven underwriting amid stress in liability and auto
Climate Disasters Expose Huge Protection Gap as Insurance Remains Underused
Hurricane Melissa and Asian floods show insurance’s role in adaptation, yet coverage is scarce. Philanthropy, bundling and aggregation could shift that
Global P&C Insurance Pricing Decline as Market Shifts Toward Softer Cycles
P&C insurance prices are falling in Europe and the US, with the UK and Ireland easing completely, claims pressure is rising, and France continues to tighten
How Small Businesses in California Can Provide Health Insurance to Employees
Providing health insurance in California is becoming a competitive necessity for attracting and retaining top talent, particularly in industries such as technology, finance, cyber
7 Reasons Why You Need Uninsured Motorist Coverage
Many drivers carry little or no insurance. Uninsured motorist coverage protects you financially when they cause a crash
US E&S Property Insurance Market Heats Up as Capacity Surges & Rates Soften
The US E&S property insurance market keeps getting louder. Capacity jumps, competition spikes, and brokers suddenly hold more options than they can use
Wall Street’s Insurance Takeover Raises Fresh Alarms over Hidden Risks
Private equity’s grip on US insurers deepens risk concerns as assets shift into opaque credit, offshore deals and affiliated investments
Rising Insurance Gaps Alarm Wealthy Clients with Cyber, NatCat, Lawsuit Risks
Wealthy clients think about market swings, insurance gap, global instability, cyber intrusions, extreme weather, and the financial fallout of lawsuits, often all at once
European Life Insurers Push Beyond Spreadsheets with Advanced ALM & SBML
European life insurers replace static SAA spreadsheets with advanced ALM tech to manage risk, capital, and yield under Solvency II and Solvency UK
Japan’s Non-Life Insurance in 2025 Gains Strength Through Reform
Japan’s non-life insurance market — a global top-10 player and one of the largest in the region — as it continues to evolve through disciplined underwriting
US Health Insurance Outlook Revised to Negative
AM Best shifts U.S. health insurance outlook to Negative, citing higher utilization, medical inflation, GLP-1 drug costs, and shifting Medicaid risk pools
EV vs Gas Car Insurance in Canada – Costs, Provinces, and Key Factors
EV drivers in Canada pay $3,131 vs $2,289 for gas cars. See provincial averages, repair cost drivers, and why EV insurance is projected to hit $507 bn by 2033
Germany’s Property and Casualty Insurance Sector in 2025 Turns Stable
Moody’s and AM Best raised Germany’s P&C insurance outlook to stable, citing stronger underwriting profitability, higher premiums, and balanced market conditions
How Ukraine is Rewriting the Rules of Insurance Risk
Ukraine’s insurers adopt best estimate reserving under NBU rules, replacing premium-based models to boost transparency, curb fraud, and attract EU capital
European Insurers Seek Higher Returns From Illiquid Private Credit Assets
Fitch survey shows European insurers turning to private credit for illiquidity premiums, diversification, and ESG goals, as market grows to $2.7tn by 2029
Global Employer Medical Plan Costs Will Climb Worldwide in 2026
Aon forecasts employer medical plan costs will climb 9.8% worldwide in 2026, with North America and APAC seeing increases, while Europe trends lower
U.S. Insurance Brokers Chase Bigger M&A Deals as Growth Cools
Insurance brokers push debt-financed acquisitions amid slowing growth, Fitch warns credit risks rise but strong cash flow keeps leverage tolerable
Q3 2025 Insurance Stock Performance: Top Gainers and Sector Trends
Insurance stocks fell in Q3 while the S&P 500 gained nearly 7%. P&C names lagged, with analysts calling the quarter underwhelming after 2024’s strong run
US Congress Standoff Threatens $1.3 tn Federal Flood Insurance Program
Flood insurance coverage worth $1.3 tn sits on the edge of expiring, marked as the deadline. Congress hasn’t agreed on an extension
Marine Insurance Faces Soft Cycle, War Volatility, and Shifting Global Trade
Marine insurers warn of soft pricing, major losses, and fragmented trade as geopolitical conflicts reshape shipping and supply chains
Global Re/Insurance Sector Growth: 3 Strategic Shifts for Re/Insurers
Re/insurance industry is showing strong momentum. Fund and Insure domain as the big opportunity—potentially generating $17 tn in gross value by 2035
Canadian Life Insurance Market: H1 2025 Results
Canadian individual life insurance new annualized premium grew 5% year-over-year to C$532 mn in the second quarter 2025
The US individual life insurance market delivered another growth quarter in Q2 2026, as total new annualized with excess premium reached $4.7 bn
The global insurance sector outlook remains ‘neutral’ at 2026, as business conditions have been resilient across most markets to the more challenging macroeconomic environment
U.S. life insurers posted modest Prism score gains, with resilient capital strength despite rising annuity volumes and investment risk pressures
US insurance sector outlook for 2025-2026: capital strength, social inflation risks, P&C returns peak, Florida reforms, life insurance resilience and alt capital trends