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Viewpoint: The 2026 Forecast for European Insurers Is Partly Cloudy
The European insurers that S&P rates displayed good operating performance in the life and non-life segments in 2025, and we expect they will largely continue to do so in 2026. The European ...
Artificial Intelligence Is Rewriting the Rules for Commercial Lines
Commercial lines insurance is changing—not with loud announcements or flashy tech demos, but through quiet, meaningful shifts in how work gets done. Much of this progress is driven by teams ...
Viewpoint: Stable Operating Conditions Expected for European Insurers in 2026
Fitch Ratings' outlook for the EMEA insurance sector is "neutral" for 2026, as Fitch expects the underlying operational and business conditions to remain mostly unchanged, compared to those in 2025. ...
How Carriers Are Pairing AI and Process Discipline to Drive Subrogation Outcomes
For decades, subrogation has been treated as an afterthought. A file closed, a claim paid and only then, sometimes months later, would a carrier's recovery team begin its work. Beyond this, ...
Examining 5 Key Factors Fueling MGA Growth—and Emerging Challenges Ahead
Managing general agents account for over $100 billion in annual premium, or 10 percent of the total property/casualty market—and their share continues to grow. Meanwhile, new MGA formations are ...
Unpacking a Consumer Intervenor’s Novel Idea
Homeowners insurance is one of the most heavily regulated industries in the United States. Regulations aim to protect consumers from arbitrary rates and unfair practices and ensure that insurers can ...
The Hardest Part of Innovation in Insurance Isn’t Technology; It’s Culture
The insurance industry is notoriously behind the curve when it comes to innovation. But what explains the gap between insurance and other industries? In my experience, innovation in insurance isn't ...
A Practical Blueprint: The Five Plays of an Innovation Culture
In Part 2 of a series of articles on innovation in insurance, "The Hardest Part of Innovation in Insurance Isn't Technology; It's Culture," Haden Kirkpatrick offers some remedies to fix incentives, ...