Market Insights

The transition of SAM liability from a sublimit within general liability policies to standalone coverage requires organizations to take a more strategic and proactive approach to both coverage and risk management.

The manufacturing property insurance market is loosening as capacity returns, competition increases and insureds regain negotiating leverage. However, conditions remain disciplined. Carriers are expanding appetite and improving terms selectively, with outcomes still heavily dependent on risk quality and program strategy.

Tightening lender requirements and loss-driven underwriting are reshaping the multifamily insurance market, forcing insureds to prioritize compliance, capital efficiency and stronger risk strategies. As expectations continue to shift, success hinges on aligning insurance decisions with broader financial and operational goals rather than treating coverage as a standalone purchase.

For years, ISRI has held safety as a core value and has captured that in the ISRI Environment, Health, and Safety motto “Safely, or Not at All.” Why is safety a core value? First, and most important, it’s the morally and ethically right thing to do—to make sure all the industry’s employees, customers, and the public we share the roads with go home safely to their families each day. Second, safety is good for business.

The recycling industry has unique exposures other business sectors rarely see, such as employees operating heavy equipment, customers and vendors visiting the work site, and a heavy volume of trucks transporting scrap on and off site. That’s why it’s crucial to work with claims professionals who have firsthand experience with recycling operations, years of interaction with the industry, and the specialized knowledge to defend recyclers’ interests.

Contractual risk transfer (CRT) is an essential risk management practice that companies often overlook—resulting in unnecessary loss retention.

Hiring, monitoring, and training acceptable drivers should be a priority for any operation managing a fleet of vehicles. Your drivers could have a major impact on your business if they damage your equipment or a customer’s property—or, worse, if they hurt themselves or someone else.

Your recycling business likely relies on insurance to protect its assets and operations, but taking a more active role in the submission process can make a meaningful difference. Understanding how underwriters evaluate risk helps position your business for stronger interest from insurers, potentially leading to more competitive terms, better coverage, and improved pricing.

The 2026 hurricane season is expected to be quieter in the Atlantic due to El Niño, but elevated exposure and mixed climate signals mean catastrophe risk remains significant, especially with heightened Pacific activity. Despite a below-average forecast, preparedness, precise coverage and proactive risk management remain essential.

The U.S. flood insurance market is shifting from a federally dominated model to a more dynamic public-private ecosystem, driven by evolving risk factors, regulatory changes and increased private insurer participation. As flood exposure expands beyond traditional high-risk zones, demand is growing for more flexible, data-driven solutions to address coverage gaps.

In this report we look at how U.S. economic growth and job gains have continued while inflation remains elevated. Expectations for Fed interest rate cuts have also diminished. In fact, the Fed may even raise rates this year to dampen inflationary pressures.

The digitization of the transportation and logistics industry has brought efficiency gains, but also a surge in sophisticated financial cybercrime and theft schemes. Learn more about resulting gaps in insurance coverage here.