Market News
Glossary Spotlight: Combined Ratio
The combined ratio measures an insurer's incurred losses and underwriting expenses relative to earned premiums. For captive insurance companies, it provides insight into underwriting performance, expense management, and reserve development. However, the ratio does not capture all financial and strategic benefits a captive may provide to its owners or members. Learn More
HUB International Report Highlights Risk Fatigue and Insurance Coverage Gaps
HUB International’s 2026 report examines how risk fatigue, competing business exposures, and limited understanding of insurance coverage affect organizational resilience. Findings highlight declining confidence in managing risks, gaps in enterprise risk management practices, and the importance of integrating risk assessments into business decisions to support profitability and long-term stability. Learn More
Social Inflation Continues to Pressure US Insurers
Social inflation continues to drive higher commercial auto liability losses and umbrella insurance costs, according to AM Best. Rising litigation expenses, larger jury awards, and prolonged claims settlements are pressuring insurers' profitability and reserves. While claim severity exceeds economic inflation, recent Florida tort reforms demonstrate potential for reducing costs. Read More
SIIA Survey Finds Strong Captive Insurance Growth Outlook for 2026
The Self-Insurance Institute of America's (SIIA's) 2026 Captive Industry Survey reports continued optimism about captive insurance growth, with medical stop-loss leading demand. Findings highlight favorable renewal experiences, pricing predictability, and increased emphasis on claims management. The report also identifies broker education, underwriting discipline, and artificial intelligence as important factors shaping the industry's future. Read More
Cayman International Insurance Sector Adds 8 Licenses in Q3
The Cayman Islands' captive insurance sector continued growing in the third quarter of 2026, adding 8 new insurer licenses and bringing the annual total to 28. With $62 billion in premiums written and $203 billion in assets, the jurisdiction reported increased activity and a strong pipeline of pending applications. Read More
MSH Establishes Captive Insurance Advisory Firm in Luxembourg
MSH, a Diot-Siaci Group subsidiary, has launched Elucin, a Luxembourg-based advisory firm specializing in employee benefits captives. Led by Sven Roelandt and Zulu Khan, Elucin will help multinational companies establish, structure, and manage captive programs worldwide. The firm also plans to expand into the North American insurance market. Read More
Munich Re Emphasizes Traditional Reinsurance Amid Rising Risks
Munich Re emphasizes the importance of traditional reinsurance as insurers confront rising climate risks, inflation, and cyber threats. Despite periods of lower catastrophe losses, long-term exposures continue increasing. The reinsurer highlights reliable capital, rapid claims payments, advanced risk modeling, and innovative solutions to support insurers navigating increasingly complex markets. Read More