Market News
Global Commercial Insurance Rates Extend Decline in Q2 2026
Global commercial insurance rates declined 6 percent in the second quarter of 2026, marking the 8th consecutive quarterly decrease, according to Marsh's Global Insurance Market Index. Strong insurer competition, abundant capacity, and favorable market conditions continued to drive lower property, cyber, and overall commercial insurance pricing across most global regions. Learn More
AI Disruption Risk Limited for Most Diversified Services Companies: Fitch
Fitch Ratings said artificial intelligence (AI) poses manageable credit risk for most North American diversified services companies over the next several years. Customer experience and business process outsourcing operators face the greatest disruption, while companies with proprietary data, regulatory advantages, and AI investment capacity are better positioned to maintain competitive strength and credit quality. Learn More
Captive Insurance and Medical Stop-Loss: A Prudent Pairing
Captive insurance combined with medical stop-loss coverage can help self-funded employers take a more strategic approach to healthcare risk. By retaining selected risks while protecting against catastrophic claims, organizations gain greater transparency, improved data insights, and long-term flexibility to better manage healthcare costs and employee benefit programs. Read More
Glossary Spotlight: Allocated Loss Adjustment Expenses (ALAE)
Allocated loss adjustment expenses (ALAE) are claim-specific costs incurred to investigate, defend, or resolve insurance claims. In captive insurance programs, tracking ALAE separately from indemnity payments helps evaluate claim costs, reserve adequacy, underwriting performance, and the overall financial impact of individual losses. Read More
Evaluating Captive Insurance: Practical Questions Every Organization Should Ask
This Captive Insurance 101 episode explores how organizations determine whether a captive insurance company aligns with their risk management goals. The discussion covers common decision triggers, financial and operational considerations, feasibility studies, organizational readiness, and the strategic advantages captives can provide over the long term. Read More
Ivans Q2 2026 Index: Commercial Renewal Rates Continue to Ease
The Ivans Q2 2026 Index found commercial insurance renewal rates declined quarter over quarter across most major commercial lines while remaining higher year over year, except for workers compensation. The report highlights continued moderation in commercial insurance pricing and provides valuable market context for captive insurance owners, managers, and risk professionals. Read More
Property Insurance and Captive Insurance: Thinking Like an Underwriter
Organizations using captive insurance for property risk must think like underwriters. Success depends on accurate exposure data, proactive loss prevention, disciplined retention decisions, and strong business continuity planning. Over time, these practices strengthen captive performance, improve capital efficiency, and create financial accountability for managing property risk. Read More