State Insurance Headlines

Insurer Interest in AI Coverage Exclusions Growing as Risk Becomes Omnipresent August 17, 2026

...surprise given the penetration of artificial intelligence into lives and businesses that it appears insurers are gearing up to exclude AI risk in some of their commercial liability policies. Three ISO exclusions...

The Huge Expansion of Managing General Agencies August 17, 2026

...following: “As agents, they don’t retain underwriting risk. Instead, for a commission, they bind others–insurers, reinsurers, hedge funds, private equity–to risk gathered from retail and wholesale brokers who generally...

H1 results strong for reinsurers: Morningstar

Reinsurers posted strong first–half results on the back of underwriting profits and low catastrophe losses.

Human Error, Not AI Agents, Is Driving Cyber Losses So Far In 2026

Despite widespread attention on autonomous AI attacks, cyber insurer Resilience found that no losses in its portfolio during the first half of 2026 could be attributed to AI-specific attack vectors such as prompt injection, model exploitation, or agentic AI misuse.

Viewpoint: Storm Resilience Must Account for the Assets That Do Not Stay Put By Scott Chamoff | August 13, 2026

Hurricanes, wildfires and other major weather events often dominate attention, but severe convective storms remain one of the most frequent and costly weather threats facing businesses. In 2025, there were...

Homeowners Insurance Market Reaches ‘Fragmented Phase,’ Says S&P GMI August 13, 2026

New research from S&P Global Market Intelligence looks to suggest that homeowners insurers are reaching rate adequacy, but certain marketplace factors are creating what it called a “fragmented phase.” ...

The insurance implications of Taco Bell's cyclospora outbreak

Lawsuits are accumulating against Taco Bell, its franchisees, and lettuce supplier Taylor Farms as cyclosporiasis cases continue to rise nationwide. The litigation, which includes at least four personal injury claims from individuals as well as a proposed class-action lawsuit, began "within hours" o

Viewpoint: Is it Time to Rethink the ‘Secondary-Peril’ Label and Reclassify Risk? By Vikas Wadhera | August 12, 2026

...refine calibration and governance. In practice, this means more complex, ensemble-style modeling. Insurers and reinsurers increasingly rely on multi-model outputs, cross-validated against portfolio-specific...

Renewal Changes for Most Commercial Lines Decrease in July and Q2, Says Ivans August 11, 2026

...all lines except workers’ compensation, according to the Ivans Index. However, month over month, commercial auto, business owners policy, general liability, commercial property and umbrella saw a decrease,...

Can Reinsurers Maintain Underwriting Discipline or Will ‘Irrational’ Competition Return?

...cited the example of the so-called Bermuda “Class of 2005,” when reinsurers formed in the wake of hurricanes Katrina, Rita, and Wilma. At that time, “market participants questioned whether increasingly sophisticated...