Stories
IU.S. P/C Industry Reports $63M Underwriting Gain, $40B Improvement Over 2024
According to Verisk and APCIA, private U.S. P/C insurers achieved a $63 million underwriting gain in 2025, representing a $40 billion improvement from the previous year's results.
Impact · This dramatic turnaround indicates significant market hardening and improved risk pricing, suggesting better profitability prospects for insurers in the near term.
Action
Review pricing strategies and risk selection criteria to maintain positive underwriting momentum while market conditions are favorable.
IIMeta and Google Liability Verdicts Signal New Era of Tech Platform Risk
First U.S. jury trials targeting social media firms over harm to children have found both Meta and Google liable, setting up potential appeals that could reshape tech liability shields.
Impact · These verdicts could fundamentally alter liability exposure for tech platforms and create new insurance product opportunities in cyber and platform liability coverage.
Action
Evaluate existing tech liability coverage products and consider developing new policy forms specifically addressing platform-related risks.
IIIFEMA Commits $1B to Disaster Resilience Infrastructure Following Legal Challenge
FEMA announced $1 billion in funding for disaster-resilient infrastructure after previously canceling the program, prompted by a court order.
Impact · Creates new opportunities for insurers to partner with public entities on risk mitigation and could affect catastrophe risk modeling in protected areas.
Action
Identify potential infrastructure projects in high-risk areas that could affect exposure calculations and adjust underwriting approaches accordingly.
IVMarsh Secures First-of-Kind Coverage for Advanced Nuclear Power Plant
Marsh Risk obtained comprehensive insurance coverage for TerraPower's Kemmerer Unit 1 in Wyoming, the first commercial-scale advanced nuclear power plant approved by the Nuclear Regulatory Commission.
Impact · Sets precedent for insuring next-generation nuclear facilities and opens new market opportunities in clean energy infrastructure coverage.
Action
Assess capabilities and appetite for advanced nuclear power plant coverage as more projects enter development pipeline.
VUK Flood Insurance Program Benefits Skew Toward Wealthy Property Owners
Bank of England economists found that Britain's state-backed flood insurance program has disproportionately benefited the country's richest property owners due to legal structure.
Impact · Highlights potential regulatory and reputation risks in public-private insurance partnerships and need for equitable coverage distribution.
Action
Review catastrophe insurance programs for potential socioeconomic disparities that could attract regulatory scrutiny.