RiskStream partners with Hashgraph to reduce duplicate data collection and improve property risk verification across the insurance ecosystem.

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.

Autonomous systems are creating new pathways for cyber incidents, complicating underwriting, claims handling, and coverage interpretation.

New carrier-backed study shows significant drops in water damage claim frequency and severity, with implications for underwriting and loss prevention strategies.

Declining auto claims and reserve releases point to softer pricing in 2026, while liability lines continue to face reserve pressure and social inflation challenges.

Lawmakers and inspectors question whether roof-focused mitigation grants reduce claims or premiums, citing verification gaps and limited insurance credits.

Claims data shows a growing gap between driver awareness and behavior, while telematics and vehicle technology reshape liability, repair costs, and prevention strategies.

Digital pet insurer routes all claims through AI while expanding pre-claims tools to guide care and control costs.

Chubb says it will control underwriting, pricing, policy issuance, and claims in a $20 billion maritime war risk facility backed by the US International Development Finance Corporation. Vessel eligibility set by the US government will determine which ships and cargo can access coverage for Strait of Hormuz transits.

Revenue sharing and NIL deals are pushing universities to manage injury, compensation, and reputational risks similar to professional sports programs.

As underwriting stays tight and carrier appetites shift, independent agencies are investing in AI automation, E&S workflow tools, and more consistent client communication to reduce manual work and improve efficiency.

Many homeowners renting their properties short term do not realize their policies may exclude commercial activity, exposing them to denied claims, liability gaps, and policy cancellations.

Risk managers report billing fraud as the top scheme, with deepfake and AI-enabled crime reshaping internal controls and insurance buying decisions.

Over one in four Gen Z policyholders avoid filing claims due to digital friction. Insurers face mounting pressure to modernize onboarding, verification, and settlement workflows.

New survey data shows carriers recalibrating underwriting, fraud detection and workforce strategy as social inflation, AI-generated fraud and catastrophe losses intensify.