Market News

Global commercial insurance rates declined 6 percent in the second quarter of 2026, marking the 8th consecutive quarterly decrease, according to Marsh's Global Insurance Market Index. Strong insurer competition, abundant capacity, and favorable market conditions continued to drive lower property, cyber, and overall commercial insurance pricing across most global regions. Read More

Fitch Ratings said artificial intelligence (AI) poses manageable credit risk for most North American diversified services companies over the next several years. Customer experience and business process outsourcing operators face the greatest disruption, while companies with proprietary data, regulatory advantages, and AI investment capacity are better positioned to maintain competitive strength and credit quality. Read More

Captive insurance combined with medical stop-loss coverage can help self-funded employers take a more strategic approach to healthcare risk. By retaining selected risks while protecting against catastrophic claims, organizations gain greater transparency, improved data insights, and long-term flexibility to better manage healthcare costs and employee benefit programs. Read More

Allocated loss adjustment expenses (ALAE) are claim-specific costs incurred to investigate, defend, or resolve insurance claims. In captive insurance programs, tracking ALAE separately from indemnity payments helps evaluate claim costs, reserve adequacy, underwriting performance, and the overall financial impact of individual losses. Read More

This Captive Insurance 101 episode explores how organizations determine whether a captive insurance company aligns with their risk management goals. The discussion covers common decision triggers, financial and operational considerations, feasibility studies, organizational readiness, and the strategic advantages captives can provide over the long term. Read More