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.

AM Best reports a sharp recovery in P/C insurer profitability for 2025, helped by lower catastrophe losses and improved reserve development.

Catastrophe losses, inflation, and construction costs are squeezing insurers and driving up homeowner premiums—putting more pressure on claims professionals.

Reinsurance capacity surged in 2025 amid historic low catastrophe losses, driving down rates and changing the risk-sharing landscape. Adjusters can expect shifts in how insurers deploy capital, respond to claims, and design coverages—especially in casualty, cyber, and catastrophe-exposed regions.

Feral hogs cause massive crop losses and property damage, prompting state-supported trapping and control programs. For claims professionals, the risks tied to agricultural policies are escalating.

Carriers are rethinking claims and underwriting operations to meet volatile demand and rising costs. Elastic Staffing blends core leadership with vendor and tech support to create scalable, efficient teams.

The 2025 Los Angeles wildfire was the costliest ever, but quieter, relentless storms caused even more damage nationwide. The result is soaring insurance costs and shrinking coverage options.

Insurance adjusters, underwriters, and brokers should prepare for transitional risks, evolving D&O exposures, and new scrutiny in casualty lines.

New research estimates premium changes under NFIP Risk Rating 2.0 reduced new policy counts and trimmed renewals, with the largest pullback in lower-income ZIP codes. For claims teams, the findings point to a wider protection gap and tougher recovery outcomes after flood losses.