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Maura Keller is an award-winning Minnesota freelance writer, editor, book author and proofreader.
Large premium increases approved during 2023 and 2024 were largely a response to rising claim frequency and severity.
The Sunshine State's financial data also points to improving insurer performance.
Civil engineers are now training machine-learning systems to produce more detailed wind-speed maps tailored to specific locations.
Injured employees now miss an average of 80 workdays, an increase of more than seven days over the past decade.
One proposal includes the creation of a centralized marketplace that would function as a clearinghouse for private flood coverage.
More than 140 rural hospitals in the United States closed or stopped providing inpatient services between 2005 and 2023, the federal government reports.
AI ecosystems are viewed as highly interconnected environments where a single compromised component can create cascading consequences.
Deprioritizing regulation may undercut business resilience at North American carriers, Fusion Risk Management reports.
...and what to do about it.
In areas of Florida, Louisiana and Oklahoma, rates rose 25% or more between 2019 and 2024.
Resources
ZestyAI
From ZestyAI
Roof age is one of the most critical factors in property insurance, yet it?s also one of the most unreliable. For years, insurers have relied on self-reported or agent-supplied data that is often inaccurate, incomplete, or outdated. This report reveals how an AI-powered, multi-source approach provides the truth about roof age and its impact on risk.
Download Resource
ECHO
From ECHO
Policyholders expect fast, digital claim payments, but the P&C industry lags behind, risking customer loyalty. This guide explores how to overcome barriers to digital adoption and transform your payment process for the modern consumer.
Download Resource
Zywave
From Zywave
As the insurance market softens, are your client relationships at risk? This self-assessment framework for P&C professionals helps you identify 7 critical signals in client behavior to strengthen retention before it?s too late.
Download Resource
TomTom
From TomTom
The commercial auto insurance market is notoriously unprofitable. Discover how leading insurers are reversing this trend by enriching telematics with contextual location data to improve risk selection, reduce premium leakage, and boost ROI.
Download Resource
TomTom
From TomTom
Traditional zip code data is too broad for accurate risk analysis. Explore how granular location and traffic data can help carriers improve territory definition for more competitive and precise auto insurance policy pricing.
Download Resource
ZestyAI
From ZestyAI
Everyday non-weather fires are the highest-severity peril in homeowners insurance, yet many carriers still rely on community-level metrics that miss true ignition risk at the property level.
Download Resource
Capgemini
From Capgemini
Generali GC&C transformed its global underwriting by replacing legacy systems with a Gen AI-powered SaaS platform. Discover how this partnership with Capgemini increased efficiency by 80% and cut costs. Download the case study.
Download Resource
Capgemini
From Capgemini
Many P&C insurers are investing in AI, but few are seeing a true competitive advantage. This report reveals why most programs stall and how a select group of 'intelligence trailblazers' are pulling ahead. Download it to learn their secrets.
Download Resource
Zywave
From Zywave
True value is built between renewals. Discover how to leverage a proactive safety and risk management content strategy to guide your clients through their daily challenges, and cement your position as an indispensable advisor they can't afford to lose.
Download Resource
ECHO
From ECHO
P&C insurers invest heavily in technology but still rely on multiple systems for claims payments. This brief outlines how a single, integrated solution can streamline workflows, reduce costs, and improve the claimant experience.
Download Resource
REInsurePro
From REInsurePro
The rental market is evolving. This guide equips agents to navigate the complexities of insuring short-term rentals, flips, and vacant properties, helping you avoid coverage gaps and better serve real estate investor clients.
Download Resource
REInsurePro
From REInsurePro
The real estate investment sector is booming, bringing a surge of clients who need more than just a basic property policy. Learn how to anticipate their coverage needs, bridge the knowledge gap, and position your agency as an indispensable partner as they grow their portfolios.
Download Resource
ePayPolicy
From ePayPolicy
Manual back-office processes can slow you down and cap your MGA's growth. Discover how top MGAs are winning back margins by automating payments and eliminating the costly churn in their cash flow. This guide will help you unlock your true scaling potential.
Download Resource
ePayPolicy
From ePayPolicy
Disconnected payment systems create friction, stall cash flow, and increase audit risk for MGAs, carriers, and agencies. This guide explores the insurance payment ecosystem and how to fix bottlenecks without a total infrastructure remodel.
Download Resource
ECHO
From ECHO
With 79% of organizations impacted by payment fraud, legacy systems are failing to keep pace. This guide explores nine critical questions to help insurance organizations modernize their defenses and protect against today's threats.
Download Resource
ZestyAI
From ZestyAI
For years, competitive analysis has centered on pricing. But filings now show a deeper shift underway -- one that's harder to see, slower to benchmark, and far more durable. This special report analyzes millions of regulatory filings to reveal how the modern insurance contract is being rewritten, and what it means for your competitive position.
Download Resource
ZestyAI
From ZestyAI
After three consecutive years of record-breaking severe convective storm (SCS) losses, the risk landscape has changed. This report provides critical insights into the drivers of these losses and what insurers must know to protect portfolios in 2026.
Download Resource
ePayPolicy
From ePayPolicy
Paper payments are driving significant losses through hidden costs, manual labor, and compliance risks. This guide reveals the true financial drain of manual workflows and provides a clear path to digital payment optimization to boost your bottom line.
Download Resource
ZestyAI
From ZestyAI
Non-weather water damage is a top peril eroding profitability for insurers, and traditional risk models fall short. This guide explores how AI-powered, property-level data can improve underwriting, pricing accuracy, and proactive risk mitigation.
Download Resource
ZestyAI
From ZestyAI
Traditional roof risk assessment falls short. Ballooning combined ratios demand better methods. This guide reveals how AI and new data sources provide significant lift over traditional models for hail and wind risk.
Download Resource
ZestyAI
From ZestyAI
Explore how AI is reshaping underwriting, pricing, and claims--while meeting rising regulatory expectations. This special guide cuts through the noise to reveal real-world use cases, debunk myths, and offer actionable best practices for responsible implementation.
Download ResourceZestyAI
From ZestyAI
Roof age is one of the most critical factors in property insurance, yet it?s also one of the most unreliable. For years, insurers have relied on self-reported or agent-supplied data that is often inaccurate, incomplete, or outdated. This report reveals how an AI-powered, multi-source approach provides the truth about roof age and its impact on risk.
Download ResourceECHO
From ECHO
Policyholders expect fast, digital claim payments, but the P&C industry lags behind, risking customer loyalty. This guide explores how to overcome barriers to digital adoption and transform your payment process for the modern consumer.
Download ResourceZywave
From Zywave
As the insurance market softens, are your client relationships at risk? This self-assessment framework for P&C professionals helps you identify 7 critical signals in client behavior to strengthen retention before it?s too late.
Download ResourceTomTom
From TomTom
The commercial auto insurance market is notoriously unprofitable. Discover how leading insurers are reversing this trend by enriching telematics with contextual location data to improve risk selection, reduce premium leakage, and boost ROI.
Download ResourceTomTom
From TomTom
Traditional zip code data is too broad for accurate risk analysis. Explore how granular location and traffic data can help carriers improve territory definition for more competitive and precise auto insurance policy pricing.
Download ResourceZestyAI
From ZestyAI
Everyday non-weather fires are the highest-severity peril in homeowners insurance, yet many carriers still rely on community-level metrics that miss true ignition risk at the property level.
Download ResourceCapgemini
From Capgemini
Generali GC&C transformed its global underwriting by replacing legacy systems with a Gen AI-powered SaaS platform. Discover how this partnership with Capgemini increased efficiency by 80% and cut costs. Download the case study.
Download ResourceCapgemini
From Capgemini
Many P&C insurers are investing in AI, but few are seeing a true competitive advantage. This report reveals why most programs stall and how a select group of 'intelligence trailblazers' are pulling ahead. Download it to learn their secrets.
Download ResourceZywave
From Zywave
True value is built between renewals. Discover how to leverage a proactive safety and risk management content strategy to guide your clients through their daily challenges, and cement your position as an indispensable advisor they can't afford to lose.
Download ResourceECHO
From ECHO
P&C insurers invest heavily in technology but still rely on multiple systems for claims payments. This brief outlines how a single, integrated solution can streamline workflows, reduce costs, and improve the claimant experience.
Download ResourceREInsurePro
From REInsurePro
The rental market is evolving. This guide equips agents to navigate the complexities of insuring short-term rentals, flips, and vacant properties, helping you avoid coverage gaps and better serve real estate investor clients.
Download ResourceREInsurePro
From REInsurePro
The real estate investment sector is booming, bringing a surge of clients who need more than just a basic property policy. Learn how to anticipate their coverage needs, bridge the knowledge gap, and position your agency as an indispensable partner as they grow their portfolios.
Download ResourceePayPolicy
From ePayPolicy
Manual back-office processes can slow you down and cap your MGA's growth. Discover how top MGAs are winning back margins by automating payments and eliminating the costly churn in their cash flow. This guide will help you unlock your true scaling potential.
Download ResourceePayPolicy
From ePayPolicy
Disconnected payment systems create friction, stall cash flow, and increase audit risk for MGAs, carriers, and agencies. This guide explores the insurance payment ecosystem and how to fix bottlenecks without a total infrastructure remodel.
Download ResourceECHO
From ECHO
With 79% of organizations impacted by payment fraud, legacy systems are failing to keep pace. This guide explores nine critical questions to help insurance organizations modernize their defenses and protect against today's threats.
Download ResourceZestyAI
From ZestyAI
For years, competitive analysis has centered on pricing. But filings now show a deeper shift underway -- one that's harder to see, slower to benchmark, and far more durable. This special report analyzes millions of regulatory filings to reveal how the modern insurance contract is being rewritten, and what it means for your competitive position.
Download ResourceZestyAI
From ZestyAI
After three consecutive years of record-breaking severe convective storm (SCS) losses, the risk landscape has changed. This report provides critical insights into the drivers of these losses and what insurers must know to protect portfolios in 2026.
Download ResourceePayPolicy
From ePayPolicy
Paper payments are driving significant losses through hidden costs, manual labor, and compliance risks. This guide reveals the true financial drain of manual workflows and provides a clear path to digital payment optimization to boost your bottom line.
Download ResourceZestyAI
From ZestyAI
Non-weather water damage is a top peril eroding profitability for insurers, and traditional risk models fall short. This guide explores how AI-powered, property-level data can improve underwriting, pricing accuracy, and proactive risk mitigation.
Download ResourceZestyAI
From ZestyAI
Traditional roof risk assessment falls short. Ballooning combined ratios demand better methods. This guide reveals how AI and new data sources provide significant lift over traditional models for hail and wind risk.
Download ResourceZestyAI
From ZestyAI
Explore how AI is reshaping underwriting, pricing, and claims--while meeting rising regulatory expectations. This special guide cuts through the noise to reveal real-world use cases, debunk myths, and offer actionable best practices for responsible implementation.
Download ResourceZestyAI
From ZestyAI
Roof age is one of the most critical factors in property insurance, yet it?s also one of the most unreliable. For years, insurers have relied on self-reported or agent-supplied data that is often inaccurate, incomplete, or outdated. This report reveals how an AI-powered, multi-source approach provides the truth about roof age and its impact on risk.
Download Resource