Gallagher Bassett’s 2026 Carrier Perspective report finds social inflation, medical costs, catastrophe losses and AI-driven fraud are compounding severity and workforce pressure for carriers.

Gallagher Re’s Adam Schwebach says mid-year renewals could bring added capacity, rate reductions, and renewed appetite for underwriting hurricane risk in Florida.

Six suspects face up to 300 years combined after targeting semi-trailers and disabling GPS tracking devices across multiple Florida counties.

The proposed deal would address current and future glyphosate cancer claims, with Missouri state court proceedings at the center of the class-action effort.

Real-time driver behavior data is helping insurers reduce collision frequency, lower severity, and strengthen underwriting decisions before a claim occurs.

Higher medical costs, cumulative trauma litigation, and social inflation are driving severity and pressuring reserves, with California signaling a potential market shift.

Utilities across the West are increasingly cutting power during high-risk weather, reshaping wildfire prevention strategies and claims exposure for insurers.

Most carriers add AI to claims workflows that were already failing. Real results come from redesigning intake, audits, and prioritization before automation ever starts.

Legacy data systems built for reporting, not real-time decision-making, are preventing insurers from moving AI tools into daily underwriting and claims operations.

A Bloomberg editorial urges policymakers to focus on resilience, legal reform, and mitigation rather than capping rates or penalizing insurers as premiums climb nationwide.

A Spokane Valley landlord alleges repeated adjuster turnover and underpayment left a rental property uninhabitable for months and triggered lien filings and litigation.

Freeze-related property damage and power outages across 14 states are driving insured losses that could make Fern one of the costliest winter storms on record.

Economists and former tech employees say workforce reductions tied to artificial intelligence often reflect cost cutting and restructuring rather than direct job replacement.

Federal prosecutors say the ex-football standout used telemedicine fronts and DME companies to bill Medicare and CHAMPVA for unnecessary orthotic braces, targeting vulnerable seniors.

Fitch expects broader P/C softening in 2026, while Morningstar says casualty pricing will stay out of step due to litigation and severity. Early earnings-call commentary shows carriers leaning on portfolio mix, disciplined underwriting, and AI tools to protect margins.