Global insurance rates declined for the seventh consecutive quarter in early 2026, driven by property rate drops and persistent insurer competition, Marsh reports.
Companies face a growing array of unexpected risks triggered by volatile geopolitics — including war and its attendant supply chain shocks, tariffs, and cyberterrorism.
The E&S market surpassed $100 billion in direct premiums written for the first time in 2025, but its growth rate fell to 7.8% — the lowest in eight years, according to S&P Global Market Intelligence.
Construction costs for a single data center location can exceed $20 billion — double once technology is installed — creating concentration exposures in catastrophe-prone areas, according to Swiss Re Institute.
Ransomware losses, AI-driven exposures and nuclear verdicts threaten to disrupt the currently stable executive lines insurance market, according to Risk Placement Services.
Softening property rates and stable capacity define the public entity landscape, though litigation and disaster aid changes could shift the burden to state and local governments, according to Amwins.
Premium expansion moderates to 9.7% through Q3 2025, while fronting companies and new market entrants pursue aggressive expansion strategies, AM Best reports.
Insurers report higher claim severity in 2025, with defense costs and social inflation driving rate increases for 2026, according to Ames & Gough survey.
Federally funded infrastructure projects propel recent surety market premium growth and demand for surety bonds among contractors and developers: AM Best.
The 2025 Los Angeles fires revealed that catastrophic losses aren’t determined by ignition probability alone, but by whether a fire can scale into a resource-overwhelming event: Delos.
Health care sees some segments softening while segments with vulnerable populations, claims severity face sharp rate increases and capacity constraints, Amwins report.