Most audit programs rely on people instead of systems, leading to lost knowledge, inconsistent results, and missed opportunities to reduce claims leakage.

Declining auto claims and reserve releases point to softer pricing in 2026, while liability lines continue to face reserve pressure and social inflation challenges.

A destructive Iran-linked cyberattack with no ransom demand is forcing insurers to confront attribution issues, policy wording gaps, and rising exposure to state-backed cyber incidents.

State regulators are accelerating enforcement on AI use in insurance, exposing carriers to fines and legal risk when decision models lack transparency.

Authorities say falsified paperwork helped give Pennsylvania titles to 65 stolen vehicles worth more than $3.8 million. The case highlights how title fraud can complicate ownership, recovery, and auto claims investigations.

Digital pet insurer routes all claims through AI while expanding pre-claims tools to guide care and control costs.

Chubb says it will control underwriting, pricing, policy issuance, and claims in a $20 billion maritime war risk facility backed by the US International Development Finance Corporation. Vessel eligibility set by the US government will determine which ships and cargo can access coverage for Strait of Hormuz transits.

New parametric-style contracts promise instant payouts and real-time risk pricing, but questions remain about regulation, reliability, and claims implications.

New warnings highlight how delayed adoption of post-quantum cryptography could expose insurers to future breaches, regulatory pressure, and operational disruption.

The revised opioid settlement plan introduces opt-in releases and shifts insurance rights to trusts, setting up new coverage disputes and claims handling challenges.

California investigators say two Southern California towing company owners underreported payroll and paid workers off the books, leading to nearly $5.9 million in lost workers’ compensation premiums. The case also triggered a payroll tax evasion investigation.

The insurer claims a network of chiropractic clinics pushed identical treatments and relied on letters of protection to inflate injury claims tied to car accidents.

Revenue sharing and NIL deals are pushing universities to manage injury, compensation, and reputational risks similar to professional sports programs.

A Wisconsin appeals court ruled that a personal auto policy must cover a DoorDash driver’s crash because the policy’s delivery-related business exclusion was ambiguous. The decision raises questions for insurers drafting gig economy exclusions.

As underwriting stays tight and carrier appetites shift, independent agencies are investing in AI automation, E&S workflow tools, and more consistent client communication to reduce manual work and improve efficiency.