Insurance

Digital Insurance contacted insurance professionals to comment on predictions for 2026 on various topics.

Representatives of both insurers and policyholders point out issues with market forces and challenges to addressing coverage costs.

AI is transforming underwriting and helping to automate different aspects while improving the customer and agent experience.

Since the 1990s, American homes have been systematically underinsured in the event that they are completely destroyed.

Fathom, acquired by Swiss Re in December 2023, provides flood hazard and terrain datasets that capture extreme outcomes.

Governor Ron DeSantis and state officials attribute lower premiums for the state's home insurer of last resort, and lower home and auto premiums overall, to the state's tort reform instituted in December 2023.

Insured losses for so-called non-peak perils — also sometimes referred to as secondary perils — reached a record $98 billion last year, Munich Re said in a report released on Tuesday.

Kyle Busch's lawsuit against Pacific Life and his former insurance agent provides a window into potential issues around complexity, suitability and more in indexed universal life policies.

Insurance carriers are working to improve digital quoting, according to the Keynova Q4 2025 Online Insurance Scorecard.

Insurers point to billions of dollars in claims paid, while wildfire survivors advocates say many haven't yet received what they are due.

New proposed legislation focuses on accelerating wildfire catastrophe claims payments, transparency of claims decisions, penalties for insurers delaying claims payments.

Gallagher's acquisitions of several insurance brokers gives the reinsurer more distribution for its capabilities and greater leveraging of data.

Used correctly, AI can help insurers move faster, identify risk more accurately, and reduce costs without replacing human expertise.

U.K. insurance broker Howden agreed to buy M&A protection specialist Atlantic Group.

The impact of extreme weather remains top of mind for many, with a majority of homeowners citing it as a factor behind purchase or relocation considerations.

In most agencies, 80% of revenue is generated by only 20% of their accounts, meaning that 80% of an agency's customer base is responsible for only 20% of its revenue.

Three U.S. senators opened an inquiry into insurance ratings firm Demotech and whether its assessments may be exposing taxpayers to growing risks tied to climate-driven insurer failures.

Increases ranging from 0.9% to 8.8% are necessary to maintain the insurer's past level of operating profit, according to its filings with state regulators.

When embedded within a case management framework, Agentic AI can detect subtle anomalies, highlight inconsistencies, and surface patterns traditional systems miss.

Digital Insurance spoke with Nancy Clark, assistant vice president of regulatory strategy at Verisk, and a leader of the firm's Regulatory Data Exchange (RDeX) tool, about what the service offers to insurance carriers and regulators.