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
P&C Insurance
Property and casualty insurance (P&C insurance) are types of coverage that help protect you and the property you own. Property insurance helps cover stuff you own like your home or your car.
P&C insurance is focused on risks that result in loss to property and possessions. Some examples of this include: Auto insurance, which covers losses to individuals and property due to accidents and other unforeseen events.
Property and casualty insurance is a term describing the two forms of broad coverage that financially protect you if the property you own is damaged, lost, or stolen (“Property”) or if you are responsible for causing injury to another person or damage to his or her property (“Casualty”).
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
2025 Atlantic Hurricane Season Shows Intensity Risk Despite no US Landfalls
The 2025 Atlantic season had no US hurricane landfalls yet delivered Category 5 storms, inland flooding, and losses, highlighting rising intensity and protection gaps
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
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
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
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
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
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
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
Global Property and Casualty Insurance Market Doubled over 20 Years
Global property and casualty insurance market has doubled over the last two decades, reaching $2.4tn, according to Swiss Re Institute
US P&C Insurance in 2025: Maintaining Profits Amid Volatility Risks
The U.S. property and casualty (P&C) insurance sector is projected to remain profitable through 2026, driven by strong performance in private auto underwriting
U.S. Private Flood Insurance Market Grows as Underinsurance Gap Narrows
US private flood insurance market is expanding, addressing the nation’s substantial gap between economic and insured losses from flood events
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
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
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
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
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
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
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
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
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
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
Top Risk in Insurance: Cyber, Climate Change & Business Interruptions Dominate 2024
Cyber incidents, changes in climate, and business interruption are the chief risk concerns among key marketplace segments in the insurance industry
U.S. P&C Insurance Industry Saw Strong Revenue Growth in 2024
Statutory underwriting performance in the U.S. property and casualty insurance industry saw strong revenue growth, a return to underwriting profits in 2024
Hurricane Milton’s Impact Limited for U.S. P&C Insurers and Global Reinsurers
Hurricane Milton is not likely to affect credit for rated property and casualty insurers and global reinsurers given very strong capital levels
Climate Change Resilience in Global P&C Insurance: Profitability & Underwriting
Primary insurers have varying levels of exposure to climate risk, with the property and casualty insurance markets in the US and Japan identified as the most sensitive
Artificial Intelligence Promises to Revolutionize P&C Insurance Industry
Artificial intelligence promises to revolutionize how P&C insurance business gets done. The exact ways AI will influence business are unknown
2025 U.S. Property and Casualty Insurance Industry Outlook
U.S. property and casualty (P&C) insurance industry achieved its best underwriting performance in over 15 years in 2025. The industry has turned a corner
North American P&C Insurer Underwriting Performance
The results for North American property and casualty insurers indicate strong operating returns across sectors. Improved underwriting results and higher investment income
US Property & Casualty Insurance Set for 2024 Profit Boost
The U.S. property and casualty insurance market is set for a return to underwriting profitability and significant improvements in return on capital
U.S. Homeowners Insurance Claims for Lightning Losses
$1.2 bn in lightning-related homeowners insurance claims were paid to more than 70,000 policyholders in the U.S., with $194 mn attributed to Texas alone
Home Insurance in Florida: Lower Rate and Risk Crisis in 2024
Home insurance premiums in Florida rose at a much lower rate than originally projected in 2023 (80% less) and 2024 (60% less)
U.S. Property & Casualty Insurers Will See Some Relief in 2024
U.S. property and casualty insurers will see some relief in 2024 year following a rough 2023 as a personal auto line recovery contributes to statutory profit improvement
U.S. P&C Insurance: Weak Performance and Neutral Outlook
The U.S. property and casualty (P&C) insurance sector experienced subdued statutory financial performance, primarily due to a decline in personal lines
Layoffs in the US Insurance Industry Were in P&C Insurers
The U.S. insurance industry experienced a notable number of layoffs, particularly within the property and casualty, P&C insurance sector
Navigating the Challenges of Property Insurance Market
Q4 has historically been an important time for the Property insurance market, as the peak reinsurance renewal season approaches, and the Atlantic hurricane season runs
US P&C Insurance Generates Underwriting Losses Despite Premium Growth
US P&C insurance industry continued to generate significant underwriting losses in 2024 despite strong premium growth
U.S. P&C Insurance Market Q2 2024: Earnings Recap
The intensity and spread of inflation is sending insurance claims costs soaring. Strong rate hardening in US commercial insurance lines and acceleration in personal lines rates
Global Insurance Broking Rankings. Top 15 Broker Groups by Revenues
The value of the worldwide market for insurance broking in terms of fees and commissions earned was around USD 151.4 billion
Insurance Economics & P&C Underwriting Objections Outlook
The P&C insurance industry has experienced challenges in recent years due, in large part, to increases in the frequency and severity of natural catastrophes
US Property & Casualty Insurance: P&C Insurance Pricing Trends
The intensity and spread of inflation is sending insurance claims costs soaring. Strong rate hardening in commercial insurance lines and personal lines rates support topline growth
2024 Global Ranking of the TOP-10 P&C (non-life) Insurers
According to Insuramore`s global rankings, the TOP-10 P&C (non-life) insurer groups accounted for 25.3% of total P&C gross direct premiums
US P&C Insurance Market Underwriting Results Improves
US property and casualty P&C industry underwriting results are likely to improve in 2024 as premium rates rise significantly in underperforming auto
Most expensive US P&C and Life Insurance Companies in 2023
US property and casualty insurance companies had a median price-to-estimated earnings multiple of 12.1x
U.S. Homeowners Insurance Results: Premium Growth & Underwriting Loss
U.S. homeowners’ insurance is poised to post a statutory underwriting loss for reported results, as insurers continue to face above-average catastrophe losses
Biggest Challenges Facing US Auto & Home Insurers: Slow Growth & Inflation
Slow underlying growth and inflation are among the biggest challenges facing U.S. auto, home, and business insurers
Global Insured Losses from Natural Catastrophes Perspective
Natural disasters resulted in global economic losses of USD 275 billion, of which USD 125 billion were covered by insurance, the fourth highest one-year total
Why Casualty Insurance has seen a decline in coverage and pricing?
Casualty insurance has seen a decline in coverage and pricing in the 2023, with both of them presenting potential challenges to the insurance market
Rough Year for Many US Auto, Property and Casualty Insurers
The US P&C industry recorded a net underwriting loss of $26.5 billion, worsening by $21.5 billion from the previous year
Impact of Natural Catastrophic Risks for the US P&C Insurance Market
The US P&C insurance industry has experienced challenges in recent years due, in large part, to increases in the frequency and severity of natural catastrophes
Impact of Social Inflation for P&C Insurance & Commercial Auto Insurance Costs
The phenomenon of social inflation has garnered a great deal of attention in the property and casualty (P&C) insurance industry
Property & Motor Insurance Market in Asia-Pacific (APAC): $432bn by 2025
As per GlobalDatas’s Property Insurance Industry Outlook in Asia-Pacific in report, the global property insurance industry recorded a CAGR of 4.1%
Global Commercial Property & Casualty Insurance Market Review
Global commercial property and casualty (P&C) insurance lines have delivered strong financial performance in recent years following the soft market of 2013 to 2018
US P&C Insurance Outlook: Inflation, Catastrophes & Volatile Markets
2024 will be a difficult year for the US P&C industry: claims severities surged with inflation, natural catastrophe losses were elevated for a sixth straight year
Insurers enter 2026 with longer settlement cycles, rising volumes, and slow AI adoption, increasing costs and operational risk, AutoRek finds
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 posted modest Prism score gains, with resilient capital strength despite rising annuity volumes and investment risk pressures
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