U.S. P&C Insurance Outlook Mixed in 2025: Personal Auto, Home & General Liability Insurance
U.S. P&C insurance industry entered 2025 with a mixed underwriting outlook, according to the Insurance Economics and Underwriting Projections
Insurance
Impact of US Tariffs on the Global Insurance & World’s Largest Insurance Markets
Global premium growth is slowing in both life and non-life insurance. After strong growth of 5.2% in 2024, premiums are forecast to grow just 2% in 2025, improving slightly to 2.3% in 2026
Rising Home Insurance Premiums and Uneven Recovery After California Wildfires
Six months after wind-driven wildfires killed 30 people and destroyed thousands of homes and businesses in and around Los Angeles, the scenes in Altadena and Pacific Palisades remain severe
2025 Global Insurance Market Index: Commercial Insurance Rates by Region
Global commercial insurance rates declined by 3% in Q1 2025, the third consecutive decrease in the composite rate following seven years of increases
Asia Insurance Market Rates: Key Trends & Strategic Adjustments
Insurance rates in Asia dropped by 3% in Q1 2025, with competitive conditions supported by international and wholesale markets
US D&O Liability Insurance Market Continues to Experience Pressures
D&O liability insurance market in the United States continues to experience pressures from new technologies, economic volatility, and geopolitical tensions
US Cyber Insurance Premiums Drop as Pricing Cuts Take Effect
The NAIC revised its 2024 cyber supplement, shifting to a primary/excess/endorsement split, improving clarity on cyber policy types and premium reporting.
U.S. Personal Auto Insurance Market. 2026 Trends & Insights
The United States personal auto insurance industry experienced its best underwriting result in the post-pandemic era with a net combined ratio of 95.3
European Insurance Companies Set to Expand Private Credit Allocations
European insurers to significantly increase their exposure to private credit in the coming years. Assets accounted for approximately 13% of insurer investment portfolios
U.S. Life Insurance Market Growth & Pension Risk Transfer in Q1 2025
In 2025, U.S. individual life insurance new annualized premium reached $3.94 bn. Total U.S. pension risk transfer new premium reached $7.1 bn
Structural Risks in Insurance Industry: Existing Challenges & Opportunities
The insurance industry faces several ongoing challenges linked to long-term economic, social, and environmental trends. These structural risks require active management to ensure protection
2025 UK Life Insurance Market Outlook: Stable Segment with Solid Growth Drivers
AM Best maintains a stable outlook for the UK life insurance market, supported by strong pension-related activity, steady expansion in defined contribution (DC) pensions
D&O Insurance in the Asia Pacific region: Digital & Cyber Risks
Directors and officers face rising legal and regulatory risks from AI adoption, cyber threats, and evolving privacy laws across the Asia Pacific region
Kentucky Storms Reshape the U.S. Home Insurance Market
Severe weather in Kentucky drives up insurance rates, strains carriers, and prompts regulatory changes as tornadoes and hailstorms increase in frequency and cost
California’s Insurance Market Crisis: Risk-Based Pricing & Data Gaps
California’s Insurance Market: The Case for Risk-Based Pricing and Data-Driven Mitigatio. California’s insurance availability/affordability challenges
Bermuda Life Reinsurers Gain Ground Amid U.S. Annuity Growth
Life reinsurers based in Bermuda have recorded increased activity as annuity sales rise in the U.S. and recent regulatory changes
The Future of EV Insurance: Tailored Coverage for Electric Vehicle Owners
As electric vehicles (EVs) gain popularity, the insurance industry is also adapting to meet the unique requirements of eco-conscious drivers
How to Reduce Lightning-Related Business Risks
Lightning causes significant fire risk to small and medium-sized enterprises (SMEs), resulting in annual damages of several billion dollars
Geoeconomic Fragmentation: Strategic & Operational Impacts on the Insurance Sector
Geoeconomic fragmentation makes managing global risks like climate, cyber, and pandemic risks more difficult for insurance and reinsurance sectors
Insurance in a Fragmenting World: Global Risks & Opportunities
Rising geopolitical tensions and economic nationalism are causing a slowdown in global integration, which presents significant challenges but also opportunities for insurers
US Tariffs & Market Volatility Threaten EMEA Insurers’ Investment Returns and Earnings
EMEA insurers, while not directly impacted by US tariffs, face considerable exposure to secondary effects
UK Life Insurance & Annuity Market Maintains Strong Demand
UK life insurers are poised to continue benefitting from strong bulk annuity volumes in 2025 despite potential challenges from regulatory changes
2025 Natural Catastrophes Drive Record-High Economic and Insured Losses
Global insured losses from natural disaster events in Q1 2025 were preliminarily estimated to reach at least $53 bn, the highest Q1 insured losses since Q1 2011 ($81 bn)
Wildfire-Related D&O Insurance Risk: Lessons and Litigation Trends
Wildfire-related directors and officers (D&O) lawsuits represent a growing category of event-driven shareholder litigation. These insurance claims arise from major environmental
U.S. Insurers Remain Stable Amid Market Volatility, Wildfires and Tariff Risks
S&P Global Ratings reports that North American insurers have sufficient capital and liquidity to absorb current market volatility, including disruptions linked to recent tariff measures
Rising Auto Insurance Costs in 2025: Tariffs, Claims, Market Impact
Auto insurance premiums in the U.S. could rise 14% by the end of 2025 due to new tariffs on imported vehicles and parts
Natural Catastrophe Exposure Continues to Pressure P&C Insurance Results
Wider natural catastrophe exposure continues to pressure financial results across the property and casualty (P&C) insurance industry
Impact of GLP-1 Receptor Agonists on Medical Trends and Reinsurance
How GLP-1 therapies are altering medical practices and insurance structures, prompting reinsurers to adjust their strategies to align with emerging risk profiles
Global Insurance Survey: Tariffs & Trade Disputes Insurers’ Concerns
32% of surveyed insurance executives identified these issues as a significant macroeconomic risk, ranking 5th after inflation, recession, market volatility, and geopolitical tensions
Life Insurers’ Investment Risks and Offshore Reinsurance Threaten Stability
U.S. Financial Stability Oversight Council said
there has been a shift in the composition of life insurers’ liabilities and an increase of private equity firms
European Insurers Support Savings & Investments Union to Boost Innovation
Insurance Europe supports the European Commission’s ambition to build a Savings and Investments Union. The insurance sector plays a crucial role in achieving the SIU’s goals
D&O Insurance Market Sees Strong Results but Faces Uncertainty
The directors and officers (D&O) insurance market has experienced favorable results in recent years, but ongoing risks and market uncertainties could challenge sustainability
U.S. Life Insurers Use Reinsurance to Reduce Long-Term Care Insurance Risk
U.S. life insurers have used reinsurance to reduce exposure to long-term care (LTC) insurance. The transactions strengthen balance sheets, improve capital efficiency
Mandatory Liability Insurance for Gun Owners in the United States
Will requiring insurance for gun owners reduce firearm-related violence and economic costs, or will it be struck down as an unconstitutional restriction on Second Amendment rights?
P&C Insurance Faces Rising Catastrophe & Legal Risks in 2025
Fitch Ratings projects that the property and casualty (P&C) insurance sector will continue to face difficulties in 2025 due to volatile natural catastrophe risks
P&I Clubs Reach Record Free Reserves on Strong Investment Returns
The IG clubs collectively reported a record high level of free reserves in 2023/24 driven by high investment returns, mainly due to the reversal of prior year unrealised losses on fixed income portfolios
Key Economic Risks Outlook for 2025: Growth, Inflation & Interest Rates
US trade policy uncertainty affects regional growth forecasts, with the US economy expected to outpace the Euro area. China faces weaker growth
The 4 Best Mail Sorters for Insurance Professionals in 2026
In 2025, the best automated mail sorters will transform how insurance professionals sort and distribute communications, enhancing speed and reducing human error
Insurance Pricing Needs Greater Transparency. Policyholder Protections Must Be Stronger
Policyholder protections must be stronger, and insurance pricing needs to be more transparent, Washington Insurance Commissioner Patty Kuderer
Regulatory Reforms Support North American Life Insurer Ratings
The enhancements to regulatory standards are supportive of ratings for North American life insurers, which are generally expected to maintain strong balance sheets
Canada Insurance Market Rates Declines Across Property, Casualty, Cyber Lines
Canada insurance market saw further rate declines in 2024, with property, casualty, financial, and cyber lines experiencing reductions. Property insurance rates fell 3%
2026 Europe Insurance Market Rates: Property & Casualty, Financial, Cyber
Insurance rates in Europe declined 2% in the fourth quarter of 2024. The European insurance industry faced a year of changes and challenges
2025 UK Insurance Market Rates Decline for All Major Lines
The UK insurance market experienced a shift in 2025, with property, casualty, and financial lines seeing notable rate declines, while motor insurance remained an exception
2026 US Insurance Rates Trends: Property & Casualty, D&O, Cyber Insurance
The Global Insurance Market Index is proprietary measure of commercial insurance rate changes at renewal. Below are insights into the US insurance market
U.S. P&C Insurance Market: Continued Growth and Improved Underwriting Through 2026
U.S. P&C market in 2024 is expected to show improved underwriting results, according to the Insurance Economics and Underwriting
Aviation Insurance Market in 2025: Legal Battles, Competitive Pressures, Risk Trends
The aviation industry faced a complex landscape in 2024, shaped by ongoing uncertainty, competitive pressures, and significant incidents
WTW’s Natural Catastrophe Review: 2024 Key Data Insights and Trends
WTW has analyzed natural disasters, key lessons, and emerging trends. The assessment will focus on physical and vulnerability NatCat factors
10 Key Types of Car Insurance Coverage
Compare auto insurance types. Selecting the right car insurance coverage requires understanding the available options and how they protect against different risks
How Does Commercial Umbrella Insurance Work? Definition, Benefits and Top Companies
Commercial umbrella insurance is a policy developed to provide a supplementary layer of liability protection by augmenting the limits of policies already in place
U.S. Property & Casualty Insurance Market at a Glance. Best P&C Insurers in 2025
The U.S. Property & casualty insurance market faces rising loss costs, driven by inflation, severe weather events, and litigation trends
Insured Catastrophe Losses in Canada Surge to C$8.5 bn, Tripling in 2024
Insured catastrophe losses in Canada reached a record C$8.5 bn in 2024, nearly tripling the prior year’s total and standing 12 times higher than the annual average
Deadliest Aircraft Crashes and Worst Aviation Accident Statistics (1925-2026)
Full list of 500+ deadliest aircraft crashes and worst aviation accidents, detailing major disasters, fatalities, and their global impact
California LA Wildfires: Impact on Insurance Industry and Rising Premiums
Los Angeles wildfires to be a major catastrophic event for the insurance industry. Analysts indicate that the re/insurance sector remains well-capitalized to manage losses
U.S. Life Insurance Premium and Annuity Sales Growth Trends in 2024-2025
U.S. individual life insurance premium is on track to reach a record $16 bn in 2024 and continue growing in the current year, as the market continues riding a bounce
North American Life Insurer Credit Losses Will Remain Benign in 2025
North American life insurer credit losses will remain benign in 2025, despite modest increases due to ongoing pressure on commercial real estate (CRE) assets
Hurricanes, Severe Thunderstorms and Floods Drive $100 bn Insured Losses
In the US, two major hurricanes and frequent severe thunderstorms accounted for at least two-thirds of the year’s global insured losses, which currently exceed $135 bn
Global Economic and Insurance Market Outlook 2025-2026
The global economy is poised for further solid expansion. We forecast global real GDP growth at 2.8% in 2025 and 2.7% in 2026, roughly in line with 2024
London Re/Insurance Market Strengthens Digital & Enhanced Underwriting
The London re/insurance market sees a growing push toward digital approaches. Enhanced underwriting stands out as a new direction for companies
European System for Natural Catastrophe Risk Management & Re/Insurance
Economic losses from natural catastrophes in the EU are rising due to increased economic exposure and the growing severity of climate-related disasters
Comparing Europe’s Approaches to Natural Catastrophe Insurance & Gov-Backed Schemes
Government-backed catastrophe insurance schemes play a vital role in managing the financial impact of natural disasters across Europe
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 rose nearly 11% in 2025 as policy volume jumped, but weaker pricing, higher losses, and AI-driven threats added fresh pressure
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 enter 2026 with longer settlement cycles, rising volumes, and slow AI adoption, increasing costs and operational risk, AutoRek finds