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
Insurance Industry
The insurance industry comprises companies and people who develop insurance policies, and sell, administrate, and regulate them. Some insurance companies offer investment products and employ people who develop, sell, administrate, or service these products.
The global commercial insurance industry is predicted to continue its growth trajectory over the next decade, with estimates suggesting the worldwide sector could generate revenues of more than $660 mn by 2028.
In this section, we have collected the most current articles and reviews on the topic of the insurance industry
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
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
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
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
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
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
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
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
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
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
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
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 Hurricanes Since 2015: Economic Impact, Insured Losses & Risk Analysis
Explore major US hurricanes since 2015, their economic and insured losses, and how storms reshape insurance, risk modeling, and disaster resilience
Innovation, Capital, and the Future of Insurance & InsurTech
Insurance intersects with nearly every sector: infrastructure, logistics, health, environmental risk, and beyond
How Digital Twins Can Help Insurance Industry? Use Cases
As a way to visualize and contextualize data from physical and virtual assets, they bridge physical operations and digital capabilities
How Countries Combat Russia’s “Shadow Fleet” with Insurance Inspections
Norway launches a 6-month pilot urging tankers in its EEZ to disclose insurance, targeting shadow fleet risks and aligning with regional maritime safety efforts
Proactive Insurance Claims Management. Trends in America, Europe, EMEA, Asia, LatAm
Dynamic trends are influencing the size and complexity of claims around the world. Proactive claims management can help organizations recover swiftly after a loss event and manage potential claims exposures.
Global Natural Catastrophe Insured Losses Review. New Trends in H1 2025
Global insured losses from natural catastrophes reach $80 bn in the first half of 2025. This is almost double the 10-year average and more than half of the $150 bn
California Approves First Wildfire Risk Model for Insurance Pricing
The California Department of Insurance (CDI) has finalized its review of the state’s first approved wildfire catastrophe model
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
2026 European Insurance Market Outlook: TOP Risks for Re/Insurers
Most European life and non-life insurers report solid margins. However, life insurers must deliver attractive products while managing rising reinvestment rates, unrealized losses
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
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
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
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
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
How AI Supports Insurance Operations in Emerging Markets
AI is reshaping insurance with faster claims, smart underwriting, and fraud detection—even in emerging markets, where adoption is steadily growing
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
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
The Role of Blockchain in the Future of Insurance
As insurers worldwide look for ways to modernize operations and enhance client experiences, blockchain offers a compelling solution to long-standing challenges
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
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
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
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
How Real-Time Data Analysis Helps Insurers Detect High-Risk Policies
Integrating real-time data analytics through big datasets, AI, and ML technologies empowers companies to detect high-risk policies before solidifying agreements
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
Marine insurers warn of soft pricing, major losses, and fragmented trade as geopolitical conflicts reshape shipping and supply chains
Norway launches a 6-month pilot urging tankers in its EEZ to disclose insurance, targeting shadow fleet risks and aligning with regional maritime safety efforts
Marine mutual insurers and P&I Clubs are planning rate hikes for 2025, driven by rising claims and inflation pressures. Marine mutuals are under growing pressure
UK and India increase scrutiny on Russia's shadow fleet and crude oil shipments, impacting maritime insurance and global oil exports.