Market Insights

The healthcare insurance market is benefiting from increased competition and new capacity, but rising claims costs, litigation pressures and workforce challenges continue to drive underwriting scrutiny. As AI and technology reshape healthcare operations, organizations must balance favorable market conditions with evolving coverage and risk management considerations.

The hospitality insurance market remains divided. Property insurance offers increased capacity, broader coverage and rate reductions, while casualty insurance continues to face pressure from social inflation and tightening underwriting standards. Emerging risks such as THC beverage liability and cyber threats are adding new complexities for hospitality operators as they navigate an evolving risk landscape.

As renewable energy infrastructure becomes more concentrated, there has been an increase in construction activity around operational assets. Learn more about the interdependencies between contingent business interruption and physical damage before construction begins.

Despite the below-average forecasts, both NOAA and CSU emphasize that one storm making landfall can still cause massive damage, transforming a quiet season into a significant year for losses. Here's why insureds should not base their insurance decisions on forecasts.

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.

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.

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.