Markets

As employer-sponsored plans see an increase in new participants, cost-containment strategies have never been more vital.

Workers compensation is regulated at the state level, and even occasional or incidental work across state lines can result in coverage gaps if policies are not properly structured.

As older workers stay in the workforce longer, a more complex risk profile is emerging—reshaping injury, increasing severity and forcing carriers to rethink underwriting and rating.

Workers aged 60 and older represent the fastest-growing segment of the labor force, and their increasing presence continues to impact the workers compensation market.

While stable, the workers compensation market is facing underlying pricing pressures that are set to adversely impact the market nationwide.

While some recent trends have influenced the mergers & acquisitions marketplace, it certainly hasn’t been interrupted.

Since 2020, rising litigation costs, social movements, increased regulatory scrutiny and growing employee awareness of their rights have made the EPLI market a complex landscape.

The rise of artificial intelligence (AI) and its growing role in employee recruitment and management is set to reshape the employment practices liability insurance (EPLI) market through 2026 and beyond.

For agents, addressing long-term care doesn’t mean selling a policy. It means guiding clients through a conversation they’ve likely never had before. It means reframing the discussion from fear and avoidance to control and preparedness.

The financial strain of long-term care (LTC) can be significant, but the option of a hybrid LTC and life policy combination opens up another avenue for agents to present to their clients.