Market News

US D&O insurers reported their strongest loss ratios in over a decade in 2024, driven by reserve releases and prior underwriting improvements. Despite premium declines, later-year gains and stable results could spur pricing pressure. AM Best warns of risks ahead, including artificial intelligence, cyber threats, and unresolved soft-market claims. Read More

Medical professional liability (MPL) insurers recorded their 10th consecutive year of underwriting losses in 2024. However, net income more than doubled, driven by strong investment returns and capital gains. As nuclear verdicts and social inflation escalate, insurers are rethinking risk strategies and adapting to an increasingly complex liability landscape. Read More

This article outlines a step-by-step approach to expanding captive insurance utilization beyond traditional risks. Through modeling, actuarial analysis, and financial evaluation, organizations can strategically assume more risk, improve cost-efficiency, and align their captive with broader business goals—all while managing exposure across evolving coverage lines. Read More

Captives are increasingly being used to finance property risks—even amid softening insurance markets—and now extend to covering emerging exposures like tariffs and parametric risks. Industry experts report rising captive formations, broader use across sectors, and expanded coverage lines, as companies seek long-term risk financing strategies insulated from market volatility. Read More

The US property and casualty insurance industry posted its best underwriting results since 2013, driven by gains in personal auto and homeowners. However, 2025 faces challenges from California wildfire losses and tariff-driven economic pressures, according to a joint report from the Insurance Information Institute and consulting firm Milliman. Read More