Direct written premiums rose nearly 11% in 2025 as policies in force surged, but Fitch says deteriorating losses, softer pricing, and AI-driven threats are making cyber underwriting more difficult. Coverage wording and third-party risk could become bigger issues for insurers and claims teams.
Insurers report growing use of AI-generated images and documents to exaggerate or fabricate losses, forcing adjusters to rely on advanced fraud detection tools.
Rising deductibles, aging vehicles, and increasing bodily injury costs are concentrating risk and reshaping how claims are filed, evaluated, and settled.
High-performing women in insurance claims are driving results but not gaining authority. New research shows the issue is visibility and structural bias, not ambition.
Nepali authorities say foreign climbers were funneled through staged rescues, questionable hospital treatment, and falsified records to trigger insurance payouts. The case offers a stark example of how coordinated fraud can exploit high-risk travel and medical claims.
New carrier-backed study shows significant drops in water damage claim frequency and severity, with implications for underwriting and loss prevention strategies.
