Market News

Global commercial insurance rates fell 4 percent in third quarter 2025, continuing a 5-quarter decline, Marsh reported. All regions saw drops, especially in property, cyber, and financial lines. Casualty insurance rose 3 percent, driven by US litigation trends. Favorable reinsurance pricing and increased market capacity contributed to the ongoing softening of insurance rates. Read More

Aon's October 2025 D&O Insight highlights increasing directors and officers (D&O) exposures from False Claims Act enforcement and trade secret disputes. The report details recent US Department of Justice cases involving kickbacks, cyber-security misrepresentation, and tariff evasion, emphasizing the importance of reviewing D&O coverage to address these expanding regulatory and litigation risks. Read More

Milliman's Samantha Poulin and Craig Brophy join Joel Appelbaum to explore governance best practices for captives. They discuss strategic reviews, board education, and the value of actuarial collaboration. The episode highlights how data-driven insights strengthen governance and align captive strategies with organizational goals. Read More

AM Best's mid-2025 report shows stable downgrades and a slight rise in upgrades for US property-casualty insurers. Rating affirmations dominated actions, with commercial lines performing better than personal lines. Inflation, catastrophe losses, and rising reinsurance costs continue to pressure the sector, especially homeowners and personal property insurers. Read More

In Best's Review October 2025, AM Best highlights artificial intelligence (AI) model poisoning as a growing risk to insurers. The article by Lori Chordas explains how manipulated training data can corrupt AI systems, creating undetected errors that threaten underwriting accuracy, data integrity, and operational resilience across the insurance industry. Read More