A Florida class action claims unauthorized drivers were added to policies, raising questions about third party data use and underwriting controls.

NHTSA says damaged air conditioning wiring harnesses in select BMW models could cause a short circuit, prompting a nationwide recall.

New snow, ice, Arctic air, and potential flooding could generate fresh property and auto claims just days after a multibillion-dollar blizzard.

New research finds companies led by CEOs exposed to severe childhood disasters report 24% fewer worker injuries, highlighting the impact of leadership traits on safety outcomes.

Survey data shows carriers and brokers ramping up AI, cybersecurity and digital platforms as claims, fraud and catastrophe pressures intensify.

Texas Hill Country floods reveal low insurance uptake, mounting NFIP debt, and growing pressure on FEMA’s Risk Rating 2.0 reforms.

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.

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

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.

AccuWeather says snow, ice, extreme cold, and prolonged outages created widespread insured and uninsured losses across the U.S.

More frequent disasters are straining commercial insurance programs, forcing companies to retain more risk and explore captives to address losses that traditional policies no longer cover.

Rates may be leveling off, but jury behavior, litigation funding, and documentation demands continue to drive claim severity and settlement complexity heading into 2026.

Hyperscale facilities tied to AI and cloud computing are testing property insurance capacity, pricing and underwriting discipline. Brokers face major valuation and business income hurdles.

Fire and water remain the leading drivers of insurance claims in mass timber construction. Stakeholders must align risk management, training, and policy innovation to ensure safe project outcomes and insurability.