Market News

As liability costs and claim severity rise, healthcare organizations increasingly use captive insurance to manage risks like medical malpractice, cyber exposure, and regulatory challenges. Captives offer tailored coverage, cost efficiency, and strategic control—making them a vital tool for hospitals, physician groups, and long-term care providers. Read More

Gallagher Re's 2025 reinsurance market report highlights strong profitability and capital growth, with return on equity reaching 19.3 percent and capital rising to $648 billion. While underwriting improved and catastrophe losses were lower, revenue growth slowed. The report expects returns to moderate in 2026 but remain above the cost of equity. Read More

AM Best reports continued underwriting losses in the US medical professional liability (MPL) market, driven by rising claims severity and social inflation. Premium growth slowed despite increases, while investment income supported profitability. Reserve development benefits declined, and regulatory differences across states continue to shape insurer performance and financial outcomes. Read More

Captive insurance is increasingly used to address cyber risk as organizations face rising costs, coverage gaps, and evolving threats. Companies are leveraging captives to finance exposures, customize coverage, and improve risk control. As the commercial market shifts, captives continue to play a strategic role in managing cyber-insurance programs. Read More

Cyber-insurance premiums rebounded in 2025, driven by increased policy volume despite softer pricing. Rising incurred losses and artificial intelligence-driven threats are complicating underwriting and increasing risk. While profitability remains, insurers face pressure from inexperienced entrants, evolving cyber exposures, and challenges in modeling risk within a still relatively small market segment. Read More