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The Governance Test for AI in Underwriting
Artificial intelligence is reshaping insurance underwriting. Submission intake, triage, routine data collection and pricing models for low-complexity risks are increasingly automated, while ...
Editor’s Question: How Much Did U.S. P/C Industry Premiums Grow in 2025?
Analysts agree that first-half 2025 underwriting income for the U.S. property/casualty insurance industry more than tripled compared to first-half 2024, translating to a combined ratio of 96.4. But ...
Insurance AI Pilots Without a Framework Are Risky Business
The insurance landscape is complex for many reasons. There are a multitude of products, riders and needs. Insurance is sold through four channels: company-tied agents (captive), multi-carrier brokers ...
Can Global Reinsurers Stay on Track Through 2026?
During the upcoming renewals, S&P Global Ratings expects a moderate decline in pricing for short-tail lines but that global reinsurers will hold firm on terms and conditions. Risks arising from ...
Competition to Drive ‘Deteriorating’ Reinsurance Market, More M&A in 2026
Pricing and returns in the reinsurance market are expected to gradually come off recent highs, with the market facing moderately weaker, but still sound, operational and business conditions in ...
On Innovation in Insurance
It is 1921 and the insurance industry looks quite different than it will in a century. Automobile policies are bound annually, and insurance risk is often spread across entire states as opposed to ...
Global Reinsurers Meet Cost of Capital for Second Consecutive Year
Sound risk management, strategic use of technology and a maturing partnership with alternative capital have subdued the cyclical nature of the reinsurance market. To achieve or reach beyond the cost ...
Fire Following Earthquakes: What’s the Risk to Insurers?
While most homeowners and commercial property owners may not purchase earthquake insurance, standard insurance policies provide coverage for fire damage, including any fire losses that may result ...