Softer pricing, new regulations and the rising importance of AI are just some of the changes underwriters will grapple with in the year ahead, according to a new report from Send Technology Solutions.
While speed has become increasingly imperative for underwriters over the last few years, 2026 will bring the expectation that speed must be accompanied by consistency, transparency and control.
Technology adoption, especially AI, continues to mature in the industry, as carriers dump or upgrade legacy systems. That tech is also beginning to change the face of the underwriting workforce.
Finally, geopolitical pressures as well as climate change and fast-moving regulatory shifts will also be top of mind for many in the industry this year.
"Underwriting in 2026 is less about predicting the next market turn and more about building the capability to respond, consistently and at speed, to whatever comes next," said Andy Moss, co-founder and CEO of Send, in a statement. "What we're seeing across the market is clear: strong data foundations, seamless connectivity and robust governance are now essential to supporting underwriting judgment at scale."
The slideshow above highlights 10 underwriting trends for 2026 according to Send's Underwriting Trends Report 2026.
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