Market News
Pooling Prosperity: The Benefits of Risk Pooling in Captive Insurance
Risk pooling in captive insurance spreads risk and offers cost-effective solutions, especially for small and medium-sized businesses. This article covers pooling benefits, regulatory shifts, challenges, and future opportunities, providing insights into how captives can enhance financial control and access broader, customized coverage options. Learn More
Glossary Spotlight: Case Reserves
Case reserves are estimates of unpaid losses and allocated loss adjustment expenses for individual reported claims. In captive insurance programs, these reserves are adjusted as claims develop and affect incurred losses, underwriting results, and financial reporting. Understanding case reserves and their relationship to incurred but not reported reserves supports effective claims and reserve management. Learn More
Catastrophe Models Incorporate Current Climate Data to Assess Risk
Howden Re examines how catastrophe models are evolving to incorporate current climate and environmental data. Updates from Verisk and anticipated changes from Moody's RMS offer insurers and reinsurers new ways to assess catastrophe exposures. However, changes in modeled losses may reflect revised methodologies rather than actual shifts in underlying risk. Read More
Managing AI Cyber-Security Risks and Governance in the Insurance Industry
Artificial intelligence (AI) is changing the cyber-security risk landscape for insurers, introducing new threats and challenges related to data protection, third-party vulnerabilities, and regulatory compliance. This article examines emerging AI-driven cyber risks and the importance of effective governance, risk management practices, and internal controls in addressing evolving cyber-security exposures across the insurance industry. Read More
Ivans Q3 2026 Index: Commercial Renewal Rate Increases Slow
The Q3 2026 Ivans Index reported slowing commercial insurance premium renewal rate increases across five of six major lines compared with the previous quarter. Workers compensation was the only line to record a slight increase. Year-over-year renewal rate changes remained higher for all lines except workers compensation, according to Ivans. Read More
Global Commercial Insurance Rates Fall 5 Percent in Q3
Global commercial insurance rates declined 5 percent in the third quarter of 2026, marking nine consecutive quarterly decreases, according to Marsh. Property rates fell 10 percent, while casualty rates rose 1 percent. Strong insurer competition, increased capacity, and favorable reinsurance conditions continued to drive pricing reductions across global markets. Read More
Captive Insurance and Data Centers: Managing Risk in a Digital World
As data centers expand, operators face growing cyber, property, and business interruption exposures. Captive insurance offers opportunities to retain risks, address coverage gaps, and improve long-term risk financing. AM Best examines how captives can complement commercial insurance while emphasizing the importance of financial discipline, risk assessment, and strong governance. Read More