Market News
Swiss Re: Investment Boom Could Generate $200 Billion in Premiums
Swiss Re Institute projects $200 billion in commercial insurance premiums from artificial intelligence data centers and renewable energy investments through 2030. However, growing infrastructure investments are creating increasingly concentrated and interconnected risks. Insurers face challenges involving natural catastrophes, supply chain dependencies, business interruption exposures, and complex underwriting requirements. Learn More
NAIC Reports Continued Growth in US Cyber Insurance Market
The National Association of Insurance Commissioners (NAIC) reports continued growth in the US cyber insurance market in 2025, with increases in policies in force and reported claims. Despite rising demand, insurers face higher loss ratios, declining rates, and evolving cyber-security threats. The study also examines reinsurance capacity, claims severity, and emerging underwriting challenges. Learn More
Using Captive Insurance to Manage Risk in a Changing Agricultural Sector
As agriculture faces rising climate, regulatory, and operational risks, captive insurance provides a flexible alternative to traditional markets. Captives allow for customized coverage—such as parametric policies tied to weather triggers—and offer long-term cost efficiency, risk retention options, and resilience against premium volatility and coverage gaps. Read More
Farm Bureau Insurers Return to Underwriting Profitability
US farm bureau property and casualty insurers returned to underwriting profitability in 2025 after 4 years of losses, according to AM Best. Underwriting gains continued into 2026, supported by rate increases, favorable reinsurance pricing, and less severe weather. Life/annuity farm bureau insurers also recorded steady surplus growth and stronger premium growth. Read More
Employer Health Benefit Costs Projected to Rise 8.2 Percent in 2027
Employer-sponsored health benefit costs are projected to rise 8.2 percent in 2027, the largest increase since 2003, according to preliminary Marsh survey findings. Rising prescription drug expenses, medical claims, and other cost pressures are driving increases, prompting employers to consider benefit changes and strategies to manage healthcare spending. Read More
How Stop-Loss Captives Help Employers Manage Healthcare Costs
This podcast examines how stop-loss captives help self-insured employers manage rising healthcare costs and improve employee benefits strategies. Industry experts discuss captive suitability, actuarial analysis, funding structures, insurer partnerships, and the use of claims data to support long-term financial sustainability, proactive risk management, and more informed healthcare decisions. Read More
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. Read More