AI Reshapes Workforce as Employers Face Skills and Governance Risks
Artificial intelligence is reshaping workforce management, changing the skills employers require and creating new responsibilities for human resources teams
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 ILS Market Reached $145 bn as Catastrophe Bonds Reshape Reinsurance
Global insurance-linked securities market reached $145 bn in 2026, supported by record catastrophe bond issuance, 12.5% investor returns and expanding reinsurance sidecars
Insurance Regulators Tighten Reinsurance Capital, ILS and Risk Transfer Rules
Insurance regulators in the US, UK and Japan are strengthening oversight of asset-intensive reinsurance, targeting counterparty credit risk, recapture reserve adequacy
Agentic AI in Insurance: From Use Cases to a Core Operating System
Google and CoverGo examine how Agentic AI could reshape insurance operations, underwriting, data architecture, governance and human oversight
Pet Insurance Dog Costs: 5 Most Expensive Breeds in the U.S.
Mastiffs top the list of the most expensive dog breeds for pet insurance, with annual premiums averaging $2,546, according to Insurify data
AI Could Trigger Rating Downgrades in High-Risk Sectors, Insurance Insulated
AI-related credit downgrade risk is concentrated in a small group of sectors, while 86% of tested sub-sectors show limited or no rating impact
What is the Purpose of a Privacy Impact Assessment in Insurance?
Learn how insurers use Privacy Impact Assessments to identify data risks, support privacy compliance and protect policyholder information
7 Key Employee Engagement Mistakes Hurting Performance and Retention
Employee engagement fails when managers create unclear goals, unfair workloads, weak feedback and no follow-through. Here is what leaders should fix
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
Global Risks Grow More Connected Across Finance, AI & Infrastructure
Financial pressure, AI, geopolitical tensions, natural catastrophes and infrastructure dependence are creating stronger links between global risks
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
Global Insured Catastrophe Losses Reach $171 bn Annual Benchmark
Verisk raised its global insured catastrophe loss benchmark to $171 bn, with the US accounting for $117 bn and severe thunderstorms leading modeled risk
Global Cyber Insurance Market 2026: Growth, Rates, AI Risks and Outlook
Global cyber insurance premium is set to reach $16.4 bn in 2026 as rates fall, AI risks grow and SMEs remain the largest growth opportunity
Generative AI Exclusions Spread Across Contractor Insurance Policies
Contractors who use generative AI on a job may find that their liability insurance coverage does not apply if an AI-related error contributes to a claim
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 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
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
How Are AI, Geopolitics and Regulation Redefine Corporate Risk in 2026
Clyde & Co’s 2026 survey shows how geopolitical volatility, AI and regulation are reshaping business risk, resilience and operational decision-making
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
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
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
Artificial intelligence is reshaping workforce management, changing the skills employers require and creating new responsibilities for human resources teams
US homeowners insurers recorded a $16.5 bn underwriting profit as combined ratios improved and insurance rate increases slowed in 2026
Insurance regulators in the US, UK and Japan are strengthening oversight of asset-intensive reinsurance, targeting counterparty credit risk, recapture reserve adequacy
US 30-year mortgage rates reached 7.55% as refinancing and purchase applications declined, raising monthly costs and pushing more borrowers toward ARMs