Research

Political violence and civil unrest risks have evolved into global challenges that impact companies, communities, and the wider economy.

Large premium increases approved during 2023 and 2024 were largely a response to rising claim frequency and severity.

U.S. property and casualty premiums exceeded $1 trillion in 2024 for the first time.

Injured employees now miss an average of 80 workdays, an increase of more than seven days over the past decade.

Many homeowners still face rebuilding delays tied to labor shortages, permitting bottlenecks and rising construction costs.

More than 140 rural hospitals in the United States closed or stopped providing inpatient services between 2005 and 2023, the federal government reports.