State Insurance Headlines

Florida Regulators Mulling New Rules on Market Conduct Exams, Reporting

Florida regulators are considering three rule changes, one on how market-conduct examinations are triggered, one on an expanded claims-dispute mediation system, and one that would require certain quarterly...

First-half nat cat insured losses reach $46B: Gallagher Re

Insured losses from natural catastrophes reached $46 billion worldwide during the first six months of 2026, 28% below the 10-year average of $64 billion and 45% below the most recent five-year average of $82 billion.

Cyber insurance loss ratio hits new high

The cyber insurance industry's loss ratio rose to 53.0 in 2025, the highest it's been since COVID, according to a new report from AM Best.

Workers comp renewals stay competitive as severity pressures build

...raising concerns that claim severity and medical costs could eventually erode soft market conditions. Insurers continue to compete aggressively for profitable workers comp business and are using the line to secure...

US P/C Industry Books Best Result in a Decade but Not All Lines Enjoy Success

...improvement of 3.6 points over 2024. After several years of booking underwriting losses, U.S. P/C insurers recorded underwriting income of about $23 billion in 2024 and then increased it another $38 billion...

Property insurance rates keep falling during midyear renewals

Commercial property insurance rates continued to fall at midyear renewals as abundant capacity and heightened competition created opportunities for buyers to secure additional limits, broaden coverage and...

20 Years After Hurricane Katrina: Are Insurers Ready for a Different $100B Disaster? By Jessica Boyd and Daniel Bannister | July 14, 2026

...five. We missed clear warnings before Katrina and future ones may be harder to see The devastating flooding from Hurricane Katrina is often described as a surprise, but in hindsight it was alarmingly foreseeable....

Doing Its Job: Large Majority of Cyber Losses Covered by Insurance, Says Willis July 13, 2026

...according to a recent report by Willis, a WTW business. Cyber claims in Focus – Getting value from cyber insurance analyzed 5,500 cyber claims from January 2013 to January 2026 across 95 countries, and around...

How AI Is Changing the Roles of Account Managers and CSRs July 13, 2026

...by 2031, there’s fear and concern in almost every sector. But what does this mean for front-line insurance employees in an independent agency? How is AI changing the roles of account managers, account executives,...

The real flood insurance gap isn't awareness; it's industry adoption

Editor's Note: This is the fourth and final installment in a series examining how risk, regulation, and technology are reshaping flood insurance — and why the private market is no longer optional. Ten years ago, the flood insurance ecosystem wasn't sustainable. The National Flood Insurance Program (

Fla. Supreme Court Reverses Lower Court on Compensability of a Workplace Shooting

The Florida Supreme Court just made it a little easier for workplace assault victims to claim workers’ compensation benefits, even if it can’t be proven that an attack was work-related. The high court...

Property insurance market to remain competitive

...through the rest of 2026, according to a report released Thursday by brokerage Alera Group. But commercial auto and excess liability remain the industry’s toughest lines as “social inflation” — higher court...