Blog

Climate Mitigation Incentives Replace Blanket Rate Hikes in Property Insurance

Property insurers shift from blanket rate increases to rewarding risk reduction: 15-30% discounts for businesses investing in climate resilience measures.

Oct 25, 2025·8 min read

Embedded Insurance Revolution: Coverage at Point-of-Sale Goes Mainstream in 2025

Embedded insurance at checkout transforms small business coverage, making protection instant and frictionless with rapid adoption.

Oct 25, 2025·13 min read

Litigation Funding Crisis: Why Commercial Auto & Umbrella Rates Won't Drop Despite Soft Market

Third-party litigation financing drives commercial auto and umbrella rates up 8-15% while other lines soften, creating cost pressures for fleet operators.

Oct 25, 2025·14 min read

Middle Market Insurance Premiums Drop 42% in Q1 2025: How to Capitalize

Mid-sized businesses see strongest rate softening with 42% decreases—the biggest soft market beneficiaries capitalizing on opportunities.

Oct 25, 2025·7 min read

Professional Liability E&O Remains Hard: Tech & Design Face 5-10% Increases

While most insurance softens, professional liability E&O for tech and design professionals continues hardening with 5-10% rate increases bucking market trends.

Oct 25, 2025·8 min read

Q1 2025 Commercial Insurance Market Analysis: Comprehensive Softening Trends

Q1 2025 analysis shows commercial insurance in strongest soft market in 15 years with 4.2% average rate decreases across all underwriting lines.

Oct 25, 2025·7 min read

Small Business Insurance Loyalty Crisis: Only 55% Will Renew in 2025

Small business insurance retention drops to 55% as customers plan to switch. J.D. Power study shows communication gaps eroding loyalty despite stable pricing.

Oct 25, 2025·14 min read

Small Language Models Transform Insurance: Faster, More Accurate Underwriting in 2025

Insurance-specific SLMs deliver superior accuracy compared to large AI models, cutting underwriting time by 60% and reducing error rates by 35%.

Oct 25, 2025·16 min read

Supply Chain Cyber Risk: Third-Party Vendor Breaches Drive 30% of Claims

Vendor cyberattacks account for 30% of cyber insurance claims as businesses face liability for partners' security failures in their supply chains.

Oct 25, 2025·4 min read

Telematics Adoption Surges 42%: Usage-Based Insurance Expands Beyond Auto

Telematics expands from auto to workers' comp and property, delivering 15-30% premium savings through IoT-based monitoring and usage-based insurance programs.

Oct 25, 2025·3 min read

Commercial Property Insurance Rates Turn Negative in Q3 2025: Market Analysis

Commercial property insurance rates declined in Q3 2025 across all regions. Learn what's driving the shift and how to capitalize on the soft market.

Oct 20, 2025·13 min read

Cyber Insurance Rates Drop 6% Globally: Why Now Is the Time to Upgrade Coverage

Cyber insurance rates dropped 6% in Q3 2025. Learn how to capitalize on the softening market while strengthening your cybersecurity protections.

Oct 20, 2025·14 min read

Deloitte's 2026 Global Insurance Outlook: 7 Critical Trends Reshaping Business Coverage

Deloitte's 2026 insurance outlook reveals how changing customer expectations, broker consolidation, and AI modernization will transform insurance markets.

Oct 20, 2025·16 min read

Global Commercial Insurance Rates Fall 4% in Q3 2025: What This Means for Your Business

Global commercial insurance rates declined 4% in Q3 2025, marking the fifth consecutive quarterly decrease. Learn how to capitalize on this buyer's market.

Oct 20, 2025·16 min read

Insurers Shift Underwriting Focus Amid Regulatory Pressure: What Businesses Need to Know

Insurance carriers are moving away from blanket policy changes, instead sharpening firm-specific underwriting as regulatory scrutiny intensifies in 2025.

Oct 20, 2025·15 min read

InsurTech Connect 2025: The 'Big Bang' Moment That's Transforming Insurance

ITC Vegas 2025 showcased groundbreaking innovations from AI underwriting to embedded insurance, transforming how businesses buy and use coverage.

Oct 20, 2025·18 min read

Private Funds and Digital Assets Face Heightened Insurance Scrutiny in 2025

Insurers are intensifying scrutiny of private equity and digital asset managers, requiring detailed disclosures and adding 25-100% premium surcharges.

Oct 20, 2025·14 min read

U.S. Casualty Insurance Bucks Soft Market Trend: Why Rates Keep Rising

U.S. casualty insurance rates rose 7% in Q3 2025 despite soft property markets. Learn why commercial auto and liability remain challenging.

Oct 20, 2025·10 min read

Willis Report: Commercial Insurance Enters Period of Stability After Years of Volatility

Willis report reveals commercial insurance entering stability with $1T+ surplus capital, creating opportunities for buyers to secure favorable terms.

Oct 20, 2025·11 min read

Workers Compensation Shows Strongest Softening: Save 10-20% on Premiums Now

Workers' comp rates are declining faster than any other commercial line thanks to a $16B reserve surplus. Learn how to maximize savings in this buyer's market.

Oct 20, 2025·13 min read

AI Cyber Insurance Requirements Tighten: MFA and Training Now Mandatory

Cyber insurers make MFA, security training, and AI risk controls mandatory for 2026 coverage as ransomware costs force stricter underwriting standards.

Oct 17, 2025·24 min read

Catastrophe Losses Hit Record Low: What Quiet Q3 2025 Means for Your Premiums

Q3 2025 marks lowest catastrophe losses since 2006 as quiet hurricane season delivers windfall for insurers. Will policyholders see premium relief?

Oct 17, 2025·20 min read

Deepfake Insurance Fraud: Are AI Detection Systems Losing the Battle?

Deepfake fraud attempts surge 2,137% as AI-generated claims bypass biometric security, costing insurers billions while detection struggles to keep pace.

Oct 17, 2025·21 min read

Fixed Indexed Annuities Hit Record Sales: Why Retirees Are Flocking to 7.65% Rates

Annuity sales surpass $400B in 2025 as fixed indexed products offer record 7.65% rates, outperforming CDs and bonds for retirement income.

Oct 17, 2025·23 min read

Pet Insurance Enters Mental Health Era: Behavioral Coverage Now Mainstream

Major pet insurers now cover anxiety, aggression, and behavioral therapy as mental health becomes standard coverage amid surge in pet anxiety claims.

Oct 17, 2025·20 min read

2025 Insurance Regulatory Outlook: Four Critical Compliance Areas

Deloitte reveals 4 critical compliance areas insurers must address in 2025: AI governance, climate risk management, cybersecurity, and solvency safeguards.

Oct 16, 2025·17 min read

Acrisure Cuts 400 Jobs: AI and Automation Reshape Insurance Brokerage

Major insurance broker Acrisure cuts 400 accounting jobs in 2026 as AI automation reshapes the brokerage industry and workforce.

Oct 16, 2025·15 min read

Agentic AI: Insurance's Next Frontier Beyond Traditional Automation

Agentic AI with autonomous decision-making transforms insurance beyond traditional automation, reaching $674B market by 2034.

Oct 16, 2025·16 min read

California Governor's Executive Order Transforms Insurance Crisis Response

Governor Newsom's Executive Order N-34-25 launches comprehensive state response to insurance crisis with multi-agency collaboration framework.

Oct 16, 2025·15 min read

Climate Resilience Incentives: How Insurance Is Rewarding Risk Reduction

Insurance companies reward climate resilience investments with premium discounts, parametric coverage, and community-based incentive programs.

Oct 16, 2025·17 min read

Insurance Industry Talent Crisis: 400,000 Jobs to Disappear by 2026

400,000 insurance professionals retiring by 2026 creates massive talent shortage threatening service quality and industry stability.

Oct 16, 2025·16 min read

Insurance Premium Financing Crisis: New Concerns Over Consumer Protection

UK FCA investigation reveals premium financing concerns: 20-30% APRs, 53% profit margins, and consumer protection issues affecting 20M+ policies.

Oct 16, 2025·14 min read

Lloyd's of London Transforms Claims Performance: New 'Hurdle Principle' Strategy

Lloyd's of London elevates Claims Management to fifth hurdle Principle effective January 1, 2026, requiring superior claims performance.

Oct 16, 2025·14 min read

Medicare 2026: $2,100 Drug Cap and Major Coverage Changes Explained

Medicare 2026 introduces $2,100 drug cap, 12% Part B premium increase to $206.50, and major Medicare Advantage benefit reductions.

Oct 16, 2025·18 min read

Multi-Agent AI Systems Transform Commercial Insurance Underwriting

Multi-agent AI systems transform commercial underwriting with 30-40% accuracy improvements using specialized AI agents collaborating on complex risks.

Oct 16, 2025·15 min read

ACA Subsidy Cliff Threatens 24 Million Americans: How Health Insurance Costs Could Double in 2026

Enhanced ACA subsidies expire December 2025, threatening 75% premium increases for 24 million Americans. Learn who's affected and how to prepare.

Oct 13, 2025·13 min read

Annuity Sales Hit Record $434 Billion: Why Fixed Indexed Annuities Are Having Their Moment

Annuity sales hit record $434 billion in 2024, with fixed indexed annuities leading growth. Learn why these products attract investors.

Oct 13, 2025·18 min read

Wildfire Insurance Crisis: 150,000 California Homes Now Uninsured

Over 150,000 California homes lack insurance as carriers flee. Premiums jumped 42% while FAIR Plan faces insolvency risk.

Commercial Property Rates Turn Negative for First Time in 6 Years: How to Capitalize

Commercial property premiums declined in Q2 2024 after 7 years of increases. Learn how businesses can leverage this to reduce costs.

Oct 13, 2025·15 min read

Cyber Insurance Market Hits $16.3 Billion: What Businesses Need to Qualify for Coverage in 2025

Cyber insurance market hits $16.3B in 2025. Qualifying requires meeting stringent security requirements: MFA, EDR, network segmentation.

Government Shutdown Disrupts NFIP: What Flood Insurance Buyers Need to Know

Federal shutdown halts new NFIP flood insurance policies, affecting 1,400 daily home sales. Learn what this means for homeowners and how to protect yourself.

Oct 13, 2025·14 min read

Healthcare Ransomware Attacks Surge 30%: What It Means for Your Medical Data and Insurance

Ransomware attacks on healthcare businesses jumped 30% in 2025. Learn how this surge affects your medical data security and insurance costs.

Oct 13, 2025·19 min read

Life Insurance and Annuities in 2025: How Private Equity Is Reshaping the Industry

Private equity firms control $849 billion in life insurance assets, driving M&A activity and transforming the annuities market with higher-yielding strategies.

Oct 13, 2025·15 min read

Medicare 2025 Changes: What Higher Premiums and New Benefits Mean for Retirees

Medicare Part B premiums rise to $185 monthly while Part D introduces a $2,000 out-of-pocket cap affecting retirement healthcare costs.

Parametric Insurance Boom: How Instant Payout Policies Are Disrupting Traditional Coverage

Parametric insurance offers instant payouts based on measurable triggers like earthquake magnitude or hurricane wind speed, disrupting traditional coverage.

AI Fraud Detection Saves Insurance Industry $18 Billion Annually: Technology Revolution

AI fraud detection prevented $18 billion in fraudulent insurance claims in 2024, with 94% accuracy in identifying suspicious patterns.

Oct 12, 2025·12 min read

Climate Resilience Requirements Transform Insurance: Mandatory Risk Mitigation 2025

Insurers now require climate resilience measures—fortified roofs, flood barriers, wildfire defenses—before coverage, shifting to loss prevention.

Oct 12, 2025·11 min read

Commercial Property Rates Turn Negative for First Time in Six Years: Market Shifts

Commercial property rates declined for first time since 2019, with non-CAT properties seeing -5% to -10% decreases as competition returns.

Oct 12, 2025·16 min read

Insurance Coverage Disputes Surge 31%: Appraisal Demands and Litigation Explode in 2025

Coverage disputes and appraisal demands increased 31% in 2025 as policyholders challenge claim denials and lowball settlements, creating a litigation crisis.

Oct 12, 2025·11 min read

Battle for Insurance Distribution: Agents vs. Direct Digital as Market Share Shifts 23%

Digital insurance channels captured 23% more market share in 2025 as traditional agent distribution faces existential challenges from technology disruption.

Insurance M&A Activity Surges 68%: Industry Consolidation Accelerates in 2025

Insurance mergers and acquisitions reached $147 billion in 2025 as companies consolidate to compete with insurtechs and achieve scale in challenging markets.

PFAS 'Forever Chemicals' Create $400B Environmental Liability: Insurance Crisis Emerging

PFAS contamination liability could reach $400 billion, forcing insurance premium increases of 35-60% and new coverage exclusions as insurers flee exposure.

Small Business Insurance Affordability Crisis: 34% Face Coverage Gaps in 2025

Rising insurance costs force 34% of small businesses to reduce coverage or go uninsured, creating dangerous protection gaps as premiums increase 18-25%.

Oct 12, 2025·11 min read

Nuclear Verdicts Surge 40%: How Social Inflation is Breaking Liability Insurance

Jury awards exceeding $10 million increased 40% in 2025, with the median commercial auto verdict now $8.3 million—driving liability insurance crisis.

Oct 12, 2025·14 min read

Telematics and Usage-Based Insurance Adoption Surges 42%: Data-Driven Pricing Revolution

Usage-based insurance enrollment jumped 42% in 2025 as drivers adopt telematics for 15-30% discounts, transforming auto insurance pricing with real-time data.

2025 Catastrophe Losses Hit $80 Billion: Second-Costliest Year on Record

First half 2025 catastrophe losses reached $80B in insured damages, second-highest since records began. Learn what's driving climate losses and premium impacts.

AI Insurance Underwriting Revolution: How 85% of Insurers Now Use Predictive Analytics

October 2025 data shows 85% of cyber insurance underwriters now use AI and predictive analytics. Learn how AI is changing underwriting decisions and premiums.

Auto Insurance Rate Increases Slow to 7.5% in 2025: Market Stabilizing

Auto insurance premiums rose just 7.5% in 2025, down from 22% in 2023. Learn why rates are moderating and how to capitalize on the improving market.

Oct 10, 2025·17 min read

Behavioral Insurance Revolution: How Wearables and IoT Are Transforming Risk Assessment and Premiums

Behavioral insurance using wearables and IoT sensors is exploding. Learn how real-time data monitoring affects your premiums and what it means for privacy.

Oct 10, 2025·20 min read

Blockchain Insurance Market to Hit $82.56B by 2033: DLT Transforms Risk

Blockchain insurance market projected to reach $82.56B by 2033, up from $2.3B in 2023. Learn how smart contracts and DLT are revolutionizing insurance.

Oct 10, 2025·21 min read

Business Interruption Costs Now Dominate Cyber Claims: Ransom Payment Era Ends

Business interruption now 44% of cyber claims while ransoms drop to 10-15%. Learn why downtime costs exceed ransoms and how to protect revenue.

California Passes FAIR Plan Bailout Law to Prevent Insolvency: What It Means for Property Owners

California's new law prevents FAIR Plan insolvency by requiring all insurers to share losses. Learn how this affects property insurance availability and costs.

Oct 10, 2025·17 min read

Commercial Insurance Enters Soft Market: Rates Drop 8% in Q2 2025

Commercial property rates fell 8% in Q2 2025. Learn how to capitalize on the soft market and secure better coverage at lower prices.

Driving Violations Surge 17% in 2025: How Traffic Tickets Impact Your Auto Insurance Rates

Traffic violations increased 17% in 2025 as enforcement intensified. Learn how speeding tickets, DUIs, and other violations affect insurance premiums.

Electric Vehicle Insurance Drops 23% in 2025: Why EV Coverage Is Finally Becoming Affordable

EV insurance premiums fell 23% in 2025 after years of being 40-60% more expensive than gas vehicles. Learn why rates are dropping and how to maximize savings.

Embedded Insurance Revolution: Why You'll Soon Buy Coverage at Checkout

Embedded insurance becoming dominant distribution model. Learn what it is and how it's transforming the insurance buying experience.

Oct 10, 2025·22 min read

Excess and Surplus Lines Insurance Hits 25.7% of Commercial Market: What It Means for Your Business

E&S insurance now represents 25.7% of commercial market—up from 15% in 2019. Learn why standard insurers are declining more risks and what it costs you.

Oct 10, 2025·17 min read

Home Insurance Crisis Deepens: Premiums Rise 8% in 2025 as Climate Risks Accelerate

Homeowners insurance premiums increased 8% nationally in 2025, with some states seeing 15-25% hikes. Learn why rates are soaring and how to protect yourself.

Oct 10, 2025·19 min read

Compliance Guide

Homebuyers Privacy Protection Act: New Federal Law Bans Trigger Leads for Mortgages

New federal law bans mortgage trigger leads. Learn what trigger leads are and how this law protects homebuyers from aggressive marketing.

InsurTech Funding Falls 33%: What the Investment Slowdown Means for Innovation

US InsurTech funding dropped to $2.8B in 2024, down 33% year-over-year. Learn why funding is declining and what it means for insurance industry innovation.

Medicare Payment System Overhaul: CMS Proposes Major Changes

CMS proposed sweeping Medicare payment reforms affecting providers and Medigap. Learn how changes impact Medicare costs and coverage.

Ransomware Costs Jump 17% Despite Fewer Claims: The AI Phishing Factor

Ransomware costs up 17% to $2.73M per attack, driven by AI phishing. Learn how AI is making attacks more effective and how to protect your business.

Social Determinants of Health Drive Workers Comp Costs Higher

Social determinants of health drive workers comp costs higher. Learn how housing, income, and healthcare access affect claim outcomes.

Tesla Insurance Cited for Claims Processing Delays: What Policyholders Need to Know

State regulators cite Tesla Insurance for slow claims processing and communication failures. Learn how this affects policyholders and what alternatives exist.

Workers Compensation Surplus Hits $16 Billion: What It Means for Your Premiums

Workers comp showing $16B reserve surplus as claims come in lower than expected. Learn why workers comp is profitable and how it impacts your business premiums.

Compliance Guide

Bakersfield Businesses Face Dual Threat: Why You Need Separate Wildfire AND Earthquake Coverage

California requires 3 policies: standard property, wildfire, earthquake. Bakersfield businesses face dual threats. Know what each policy covers.

Chicago Businesses Face $15K Average Freeze Damage Claims—But Many Policies Don't Cover It

Frozen pipes, ice dams, and roof collapse cost Chicago businesses thousands every winter. Standard policies often exclude freeze damage. Know what's covered.

The Two-Year Trap: Why Dallas Property Owners Are Losing Insurance Claims They Should Win

Texas 2-year statute kills valid claims. Half of Dallas insurance claims closed with no payment in 2024. Don't miss the deadline that ends your rights.

Denver HOA Sent Residents $21,000 Bills After Hailstorm—And It May Be Illegal

Colorado Springs HOA hit 150 families with $20,752 bills after 2024 hailstorm. HOA bylaws cap deductibles at $10K. Legal battle reveals insurance gaps.

Fort Worth Cooper Apartments Fire: When Unlicensed Contractors Cost 800 Residents Everything

Six-alarm fire at Fort Worth's Cooper Apartments left 800+ residents homeless after unlicensed electrician's work failed. Learn why renters insurance matters.

Miami Homeowners Lose 90% of Insurance Disputes After Florida Strips Jury Trial Rights

Florida's 2023 law forces Citizens insurance disputes to state-funded judges. Homeowners win only 10% vs. 45% in traditional courts. What this means for Miami.

20 Years After Katrina: What New Orleans Businesses Learned About Hurricane Insurance

Hurricane Katrina's 2005 devastation transformed New Orleans insurance. Commercial property owners learned hard lessons about flood vs. wind coverage gaps.

Phoenix's Record Heat Is Creating New Insurance Gaps for Commercial Properties

2024's 113 consecutive 100°+ degree days in Phoenix exposed insurance coverage gaps. HVAC failures, roof damage, and heat-related losses often aren't covered.

Compliance Guide

San Antonio Businesses Fight Back Against Insurance Delays Using Texas's 18% Penalty Interest Law

Texas Prompt Payment Act: 60-day deadline or 18% penalty interest. San Antonio businesses enforce law to fight insurance delays after storms.

Tulsa Roof Damage Claims: Why Insurers Deny Storm Damage as 'Wear and Tear'

Oklahoma insurers deny roof claims citing pre-existing damage—even with clear storm evidence. Learn how to document storm damage and fight wrongful denials.

Oct 7, 2025·8 min read

Allianz Life Cyberattack: Majority of Customers Hit Through Third-Party Vendor

Mid-July 2025 breach at Allianz Life exposed majority of customer data via external system vulnerability. Class action lawsuits already filed.

Oct 6, 2025·15 min read

American Income Life Exposes 150K Customers: Why Insurance Companies Can't Report Breaches

October 2025 data breach exposed 150,000 insurance customers' data. Journalist discovered the company has no way to report security incidents.

Oct 6, 2025·15 min read

Dagsboro Explosion Kills One: What Delaware Owners Must Know About Gas Claims

September 30 explosion in Sussex County killed one and caused $500,000 damage. Learn how gas explosion claims differ from standard property claims.

Oct 6, 2025·10 min read

Delaware Hotel Sues Insurers for $1.5M: Why Business Interruption Claims Get Denied

Brandywine Plaza Hotel owners filed suit September 30 after insurers denied $1.5M in business interruption claims following October 2024 water leak.

Oct 6, 2025·10 min read

Ford Recalls 850K Vehicles with Dangerous Defect—But Admits It Has No Fix

October 2025 recall affects 850,000 Ford vehicles with fuel pump defect that can cause engine stalls. Company admits no remedy is available yet.

Oct 6, 2025·15 min read

Houston Derecho Anniversary: Why Business Owners Are Still Fighting Insurers

One year after May 2025's $5-7 billion derecho, Houston businesses still await fair settlements. Learn why windstorm claims take so long and what you can do.

Oct 6, 2025·12 min read

Houston Hotel Explosion Injures Six: Who Pays When Construction Sites Explode?

October 3 explosion at Holiday Inn injured six workers. Learn which insurance policies cover construction accidents and why projects need multiple layers.

Oct 6, 2025·9 min read

Hurricane Milton Claims Deadline October 9: Florida Businesses Have Days Left

Florida law gives property owners one year to file hurricane claims. Milton's October 9, 2025 deadline is days away—don't lose your coverage rights.

Oct 6, 2025·11 min read

Nine Months After LA's Worst Wildfire: Why California Businesses Are Bleeding Money

January 2025 wildfires destroyed 20,000+ LA structures. Nine months later, business interruption claims are still being fought. Learn why recovery takes years.

Oct 6, 2025·11 min read