Market Insights

The public entity market has remained relatively stable in 2025, though challenges persist. Property competition is strong due to increased capacity, while accounts with large CAT exposures or high loss activity still face strict underwriting. Casualty capacity is steady, but social inflation, litigation and legislative changes continue to create pressure. Carriers are becoming more selective, using updated data and technology to manage risk. With evolving exposures and tight budgets, an experienced broker is essential.

Changes to FEMA and NFIP do not have to trigger uncertainty and doubt for public officials, or for the agents and brokers who advise them. Parametric insurance models offer a fresh alternative capable of closing funding gaps and transforming disaster recovery.

For brokers and insureds alike, the evolving AV market presents both opportunity and uncertainty. Capacity is limited, but carriers are getting creative, moving toward more comprehensive, manuscript-style solutions that blend auto liability, products coverage and tech E&O.

The market has become increasingly complex. Higher valuations have raised borrowing costs and more frequent natural disasters are straining profitability and reshaping coverage needs.

Insuring hospitals and other healthcare facilities against natural disasters is both essential and nuanced. Roofing age, disaster response plans and business income contingencies all play a role in shaping insurability.

A recent AWS outage disrupted more than 100 services, highlighting the widespread reliance on cloud providers and the potential for systemic business interruption losses. As carriers reassess wording and exposure, insureds are encouraged to review their cyber policies and work closely with brokers to ensure coverage clarity.

For years, the product recall insurance market seemed poised for rapid growth. Supply chain disruptions, evolving regulations and growing concerns around brand risk created the perfect backdrop for adoption, particularly among small and midsize manufacturers. And yet, the surge hasn’t come.

The social service sector’s risk profile has always been challenging. However, recent developments have intensified the pressure. And as societal needs grow, these organizations face more risks than ever. Here's what you need to know to help your clients navigate the market and obtain the coverage they need.

Abuse coverage is now among the most challenging lines to place in the healthcare sector. For allied health providers, especially those with pediatric, transport or residential exposure, where one-on-one interactions or unsupervised care are common, securing this coverage has become not only costly but often limited in scope and availability.

Driven by new technology, stricter regulations and increased focus on sustainability, navigating the evolving landscape of auto recycling requires robust risk management. Here are some key safety strategies to help you mitigate risks they pose to your business.

Abuse coverage in healthcare and social services is becoming increasingly difficult to secure as carriers scale back, exclusions widen and costs climb. Statute of limitations reforms, nuclear verdicts and other legal pressures are driving uncertainty and forcing more business into the E&S market.

The virtual healthcare industry comes with its own set of unique complexities. Here we provide a holistic view of how technology and care delivery interact and offer insights into how to help clients eliminate potential gaps in coverage.