Structural

‘Structural Shift’ Occurring in California Surplus Lines

Auto Insurance /
California Bill Would Require Insurer Claims Handling Plans, And Double Penalties

The Los Angeles wildfires that kicked off 2025 not only sped up a statewide homeowners insurance market pullback, but they also played a part in an ongoing reshaping of California’s surplus lines market, according to a new report. The state’s surplus lines insurance market has entered a new phase that can be best defined as […]

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Reinsurers Have Made Major Structural Changes to Improve Profits. Will Discipline Last?

Life Insurance /
Reinsurers Have Made Major Structural Changes to Improve Profits. Will Discipline Last?

Reinsurance underwriting remains disciplined, with terms and conditions and attachment points largely intact, despite signs of rate moderation, according to an AM Best market segment report. During the January 2023 renewals, the global reinsurance market saw a significant recalibration, which marked “a decisive shift in how risk is priced, shared, and retained,” said AM Best

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