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Fitch estimates Winter Storm Fern insured losses at $4-7 bn. Losses hit earnings, not capital, with P&C insurers absorbing most claims and no rating downgrades
Digital-asset adoption keeps rising and so do the risks tied to holding or moving value online. Insurers now face new pressure to design products that respond to crypto-specific threats
The 2025 Atlantic season had no US hurricane landfalls yet delivered Category 5 storms, inland flooding, and losses, highlighting rising intensity and protection gaps
As companies reshore and expand US operations to offset tariffs, Allianz warns boards face rising litigation, class action costs and heightened D&O liability risks
Global reinsurance pricing fell more than expected at Jan. 1, 2026 renewals, with abundant capital, weak catastrophe support, and easing terms
Triple-I and Milliman forecast the US P&C industry’s lowest net combined ratio in more than 10 years for 2025, helped by a quiet hurricane season
How insurers use AI, parametric models and data to close the global protection gap, support climate finance, and strengthen resilience amid regulatory fragmentation
Life insurers keep stable portfolios in 2026, but rising private credit, PLRs, FABNs, and less-liquid assets lift investment risk and regulatory scrutiny
INSURANCE MARKET REVIEW
Fitch Ratings expects U.S. P&C insurers to post resilient results in 2026, with softer profitability, stable capital, and rising legal and claims pressure
Global non-life and life insurance premium growth to stay modest through 2026-2027, with higher bond yields offsetting earnings pressure
Fitch Ratings warns U.S. health insurers face a tougher 2026 as medical costs rise, ACA subsidies expire, and policy uncertainty weighs on margins
Teen drivers face crash rates nearly 4x higher than adults. Safer vehicle choices and smart insurance decisions can lower risk and costs for families
Although cyber incidents have not resulted in a significant systemic event for the U.S. financial services sector to date, they could pose risks to financial stability
Ransomware cases surge as cloud and AI adoption expands attack surfaces, driving higher losses, supply chain risk, and tougher cyber insurance conditions
Many drivers carry little or no insurance. Uninsured motorist coverage protects you financially when they cause a crash
The US E&S property insurance market keeps getting louder. Capacity jumps, competition spikes, and brokers suddenly hold more options than they can use
Private equity’s grip on US insurers deepens risk concerns as assets shift into opaque credit, offshore deals and affiliated investments
Wealthy clients think about market swings, insurance gap, global instability, cyber intrusions, extreme weather, and the financial fallout of lawsuits, often all at once
