Throughout the year, the Big “I” and Independent Agent magazine have been hard at work, examining emerging market trends and helping you be there for your clients with the latest insights.
From artificial intelligence (AI)-driven operational shifts and dynamic climate modeling to heightened cyber and privacy risks, 2026 is shaping up to be a year of transformation for the insurance industry.
The policy allows homeowners to customize coverage, allows flexible deductibles and copays, offers rewards for claim-free as well as no exclusion zones.
2025 is on track to be the lowest claim volume year in recent history, yet cost management remains critical as severity trends continue to increase, according to Verisk.
1. The homeowners market outlook has been upgraded to stable, with AM Best citing stronger catastrophe risk management, steadier reinsurance market conditions and gradually improving pricing adequacy.
While storms may not make landfall in the U.S., they are becoming increasingly unpredictable and intensify rapidly, warns the National Oceanic and Atmospheric Administration (NOAA).
For homeowners and business owners, updating their structures comes down to one key question: Is it worth spending the extra money to achieve enhanced building standards.
Articles examined the trend of expanding telematics data, strategies to prevent errors & omissions claims after a merger or acquisition, and how artificial intelligence (AI) can cause E&O exposures.
Winter preparedness is not optional, even in areas that don’t traditionally experience freezing weather.
The policy offers dwelling protection for homes valued between $1 million and $6.175 million, providing wildfire-specific benefits including debris removal, landscaping restoration and mitigation support.
