Objective-Centric Risk & Resilience Management
The article argues that strategy alone is insufficient; it must be broken down into concrete objectives such as growth, service availability, sustainability, and operational performance. By anchoring risk and resilience practices to these measurable objectives, organizations can move from aspirational planning to actionable execution. The author highlights the common disconnect between performance management and risk management, urging a unified approach. The piece directs readers to the full Fusion Risk Management blog for deeper insight.
U K Insurance (UKI Limited) Solvency II Ratios and Capital 2016 – 2024
U K Insurance (UKI Limited) published its Solvency II capital ratios from 2016 through 2024, showing fluctuations in the Solvency Capital Requirement (SCR) and steady compliance with the Minimum Capital Requirement (MCR). Eligible own funds and total assets grew overall, despite...
DSLD Homes Ready to Utilise Captive Higher up Its General Liability Tower
DSLD Homes, a leading privately‑held home builder in the Gulf South, is evaluating the use of its South Carolina‑domiciled captive insurance company at a higher tier within its general liability insurance tower. The move would shift more liability exposure onto...
IFC Targets $50m Guarantee Support for African Reinsurer ZEP-RE
The International Finance Corporation is arranging a guarantee facility of up to $50 million to cover the reinsurance credit risk of ZEP‑RE, Africa’s leading reinsurer based in Nairobi. The guarantee, paired with advisory services, will enable ZEP‑RE to underwrite more profitable,...
The Fidelis Partnership Announces Underwriting Leadership Promotions
The Fidelis Partnership (TFP) announced a series of senior promotions, naming Grahame Dawson as Head of D&F – London, Mel Puskar as Group Head of Credit, Oliver Searles as Head of Energy, and Jamie Graham as Head of Cargo. Additional promotions include...
Insurance Impacts in the Presence of High Subsidy – High Coverage Products: A Case Study of STAX
Since its 2015 launch, the STAX high‑coverage, 80%‑subsidy area‑add‑up insurance has become a cornerstone of the U.S. upland‑cotton safety net, covering 29% of insured cotton acres. Over 2015‑2024, STAX‑linked indemnities offset 97% of the sector’s $11.5 billion market loss, contributing $1.8 billion...
Emotional Intelligence Is Essential for ERM Leadership
KeyBank CRO Mo Ramani says emotional intelligence is as vital as analytical skill for modern risk leaders. He argues EQ drives transparent communication, stronger collaboration, and better decision‑making across the enterprise. Ramani also stresses that risk executives must act both...
Marine War Risk Market ‘Operating as Expected’ Amid Middle East Hostilities: IUA
The International Underwriting Association (IUA) says the marine war‑risk market is functioning as expected despite the escalating hostilities involving Iran. Insurers continue to provide coverage across multiple lines, while shipping through the Strait of Hormuz has stalled for safety reasons...
Improving Understanding of Risk Appetite
Insurance firms are turning to AI‑driven risk‑appetite scoring to streamline underwriting, achieving efficiency gains exceeding 30% across property and casualty lines. Traditional static documents like PDFs and spreadsheets fail to provide real‑time guidance, leading to misaligned submissions and slower quoting....
Weird Health Insurance Concepts | Out-Of-Pocket
The article explains three emerging health‑insurance tactics—intercompany eliminations, copay accumulators/maximizers, and reference‑based pricing—that reshape cost flows and patient liabilities. Intercompany eliminations let insurers count payments to owned providers toward medical loss‑ratio requirements, effectively boosting margins. Copay accumulators prevent manufacturer coupons...
SCO, ECO, and the Probability of Regret
The 2026 analysis highlights growing interest in Supplemental and Enhanced Coverage Options (SCO and ECO) as higher subsidy rates make them attractive. Producers can replace the standard RP‑85% policy with a lower RP‑75% base plus SCO/ECO at a 95% coverage...
If I Was Appointed CRO Today
Norman Marks outlines a pragmatic onboarding plan for a first‑time chief risk officer. He emphasizes a listening tour to grasp the organization’s culture, decision‑making processes, regulatory mandates, and existing risk infrastructure. The approach prioritizes swift regulatory compliance using minimal resources,...
The Due Diligence Item That Makes or Breaks Cash Flow After Closing
Investors often overlook real insurance quotes during rental property due diligence, assuming generic numbers will hold. In reality, underwriting factors such as roof age, electrical panels, plumbing materials, and geographic hazards can dramatically inflate premiums after closing. Securing an actual...
DUAL and LSM Form Property and Financial Lines Partnership in Latin America
DUAL Latin America has teamed up with Liberty Specialty Markets Latin America to expand Property and Financial Lines capacity for middle‑market brokers across the region. The alliance targets Property lines in Mexico and Central America while offering Financial Lines coverage...
Markel Adds Jamie Smith as London Underwriting Manager – US Cyber Lead
Markel Insurance has appointed Jamie Smith as London Underwriting Manager – US Cyber Lead, reporting to Dan Fox. Based in London, Smith will oversee the US cyber segment of Markel’s London Market portfolio, driving growth and broker engagement. His responsibilities...
Aon Signs Multi-Year Deal with VIPR to Automate Delegated Authority Processes
Aon has signed a multi‑year agreement with VIPR Solutions to automate its delegated authority operations across its global reinsurance platform. The partnership will deploy VIPR’s cloud‑native suite for bordereaux management, data analytics, and coverholder administration, aiming to improve transparency, data...
Greenlight Re Reports Record Underwriting Income in 2025
Greenlight Capital Re posted a record net income of $74.8 million for 2025, up from $42.8 million in 2024, driven by an 11% rise in gross premiums written to $773.3 million. Net underwriting income swung to $35.7 million from an $8.2 million loss, pushing the...
Beazley to Acquire US Renewable Energy MGA kWh Analytics
Beazley announced the acquisition of U.S. renewable‑energy MGA kWh Analytics, embedding the firm into its Marine, Accident & Political (MAP) Risks team. CEO Jason Kaminsky will report to MAP head Tim Turner, reinforcing Beazley's transition‑underwriting strategy. The deal adds kWh’s...
Fidelis Entered Into Long-Term, Portfolio-Wide Partnership with OAK Global at Jan 1
Fidelis Insurance Group completed an investment in Oak Global late last year and announced a portfolio‑wide partnership effective with the January 1 2026 renewals. The deal provides Fidelis capital to Oak’s Lloyd’s syndicates, including the newly launched Syndicate 1440 for retrocession and Syndicate 2843...
IRDAI Approves Registration of Allianz Jio Reinsurance & Kiwi General Insurance
The Insurance Regulatory and Development Authority of India (IRDAI) granted registration to Allianz Jio Reinsurance Limited and Kiwi General Insurance Limited at its 134th meeting on March 9, 2026. Kiwi, co‑founded by former Tata AIG CEO Neelesh Garg, had cleared the R1...
SPG Expands Speciality Property Insurance Platform with Proper Insurance Acquisition
Specialty Program Group (SPG) announced the acquisition of Proper Insurance, expanding its specialty property platform into the short‑term rental market. Proper provides commercial coverage that replaces standard homeowner or landlord policies and is licensed in all 50 U.S. states, backed...
Gulf Firms Seek Millions In Political Violence Coverage Amid Rising Tensions
Companies across the Gulf are rapidly purchasing political violence insurance as regional fighting intensifies, with hundreds of inquiries flooding insurers and brokers. Premiums have jumped to roughly five times pre‑crisis levels, turning a $10 million cover for a $20 million project into...
Geopolitical Whiplash and the Shifting Ground of D&O Liability
The article argues that the wars in Ukraine and the Middle East are reshaping directors‑and‑officers (D&O) liability by turning geopolitical risk into a core governance issue. Rapid sanctions, divestment decisions and supply‑chain disruptions have already sparked securities lawsuits, exemplified by...
The Marketplace Exchanges for Health Insurance
The ACA’s state‑run health‑insurance marketplaces, which require essential benefits and sort plans into Platinum, Gold, Silver and Bronze tiers, covered about 10 million people before COVID‑19. A 2021 expansion of premium tax credits more than doubled enrollment to 23 million and pushed...
Lockton Re to Deploy Agentic AI to Streamline, Drive Growth
Lockton Re, the reinsurance arm of the global broker, has teamed with digital‑transformation firm Synechron to launch the Agentforce 360 platform, Salesforce’s agentic AI solution. The platform is tightly integrated with Salesforce Financial Services Cloud, giving AI agents access to...
OpIngen Launched to Address “Fundamental Gap” In the Market
Reinsurance specialist Jireh and Strategic Risk Solutions (SRS) introduced OpIngen in December 2023 to fill a perceived “fundamental gap” across reinsurance, insurance‑linked securities (ILS), and captive markets. The platform is positioned as a next‑generation operations service that merges proprietary technology,...
The First Payer Jumped
Clover Health announced it is the first payer to go live on a CMS‑aligned health information exchange network, marking a tangible step toward nationwide interoperability. The rollout enables Medicare Advantage members to retrieve claims and clinical data through FHIR‑based APIs,...
Construction Liability – The Captive Opportunity
Captive Intelligence and Captives.Insure released a technical report highlighting the growing strain in the U.S. construction liability market, especially for residential projects. Tightening capacity, rising excess rates, and aggressive plaintiff‑friendly litigation are driving insurers to impose higher retentions and narrower...
Enhancing SFCR Analysis: New Features for Solvency II & Solvency UK Reporting
Solvency II Wire Data unveiled a suite of upgrades to its SFCR platform ahead of the 2026 reporting season. The enhancements include a multilingual search engine that scans over 24,000 Solvency and Financial Condition Reports and automatically translates English queries into European languages....
Insurance Is Learning a Legal Lesson
Insurance firms are shifting from intuition‑driven decisions to documented, auditable processes similar to legal practice. Regulators, clients, and AI adoption demand that underwriting and claims conclusions be traceable to policy language, with clear reasoning and citations. The industry faces heightened...
AM Best Assigns “Fair” Rating to Protect Insurance PCC
AM Best has assigned Protect Insurance PCC, a Gibraltar‑domiciled captive, a financial strength rating of B (fair) and a long‑term issuer credit rating of bb+ (fair), both with stable outlooks. The company operates as an unincorporated cell company with a...
How Property Carriers Can Scale AI
The insurance AI market is projected to reach $80 billion by 2032, yet roughly two‑thirds of property carriers remain stuck between vision and execution. While 58‑82% have deployed AI tools, only 12% possess mature capabilities and a mere 7% have achieved...
New MGA Elitium Enters Market with Focus on Manufacturing Businesses & Unoccupied Properties
Elitium, a new managing general agent incubated by Mission, has launched a commercial combined insurance program targeting manufacturing trades and well‑maintained unoccupied residential and commercial properties. Co‑CEOs Linda Bichener and Leah Miller, former DUAL underwriters, emphasize expert‑led underwriting and direct...
BHSI Names Rory O’Broin Global Head of Transactional Liability
Berkshire Hathaway Specialty Insurance (BHSI) appointed Rory O’Broin as Global Head of Transactional Liability. O’Broin will lead the insurer’s transactional liability operations worldwide from its London office. He brings extensive M&A, contingent risk and tax liability insurance experience, plus a...
SCOR Promotes Sofia Kyriakopoulou to Group Chief Technology, Data & AI Officer
Global reinsurer SCOR has promoted Sofia Kyriakopoulou to Group Chief Technology, Data & AI Officer, effective March 1, 2026. Kyriakopoulou, who joined SCOR in 2024 as Chief Data & Analytics Officer, previously held senior data and digital roles at Swiss...
HDI Has Promoted Gerrie Piette to Manager Captives
HDI Global SE announced the promotion of Gerrie Piette to Manager Captives. Piette, based in Brussels, previously served as senior casualty underwriter and account manager for captives. The new role expands his responsibilities overseeing HDI's captive insurance operations. The move...
Athora Raises €3.5bn to Fund Approved Pension Insurance Corporation Acquisition
Athora announced a €3.5 billion common‑equity raise, earmarked primarily for the acquisition of Pension Insurance Corporation Group (PICG). The deal, cleared by the PRA and FCA, is slated for completion around 27 March 2026, after which Athora’s assets under management and administration will...
EY’s New Captive Leaders Confirmed
EY has appointed Andrew Christie and Brad Schock as co‑leaders of its global captive insurance practice, while Jim Bulkowski will oversee risk management and insurance M&A. The restructuring aims to strengthen EY's service offering for captive insurers and broaden its...
China National Nuclear Corporation Forms Hong Kong Captive
China National Nuclear Corporation (CNNC), the state‑owned operator of China’s civilian and military nuclear programmes, has secured authorization from the Hong Kong Insurance Authority to establish CNNC Captive Insurance Limited. The new captive insurer will be domiciled in Hong Kong,...
We Need Fair and Balanced Audit Reports
Norman Marks argues that audit reports must be more than accurate; they need to be fair and balanced to preserve credibility with management and boards. He recounts an IT audit at a large financial institution where the report highlighted security...
How to Navigate the Upheaval in E&S
Excess and surplus (E&S) lines have moved from a fallback option to a primary placement step for complex risks such as coastal properties, cyber exposure, and specialized liability. This shift forces agents to act faster, communicate more clearly, and rely...
Aon Expands George Attard’s Role to Global Head of Analytics, Reinsurance
Aon announced that George Attard will serve as Global Head of Analytics for Reinsurance Solutions, adding to his existing Chief Strategy Officer role. The expanded mandate focuses on accelerating Aon's reinsurance analytics, uniting data, technology, and more than 1,000 staff...
Lancashire ‘Very Pleased’ with Outcome of Jan 1 Reinsurance Renewals: CUO Gregory
Lancashire Insurance Holdings reported strong outcomes from its January 1 2026 in‑ward and out‑ward reinsurance renewals, citing better‑structured products that curb earnings volatility. The renewals delivered rate adequacy and favorable net margins despite a more competitive, softening market. The insurer kept reinsurance...
Captive Formations Accelerating Globally, Notably Rising for New Zealand and South American Firms – GILC
The 2026 Global Insurance Law Connect (GILC) report shows a sharp acceleration in captive insurance formations worldwide, driven by rising premiums and tightening capacity in the broader market. Growth is especially pronounced in New Zealand and across South American jurisdictions, where...
Aerospace Reinsurance Renewals More Benign than Expected Despite Claims Pressure: WTW
Willis Towers Watson (WTW) reports that aerospace reinsurance renewals for 2026 were more benign than market expectations despite a heavy claims year in 2025. While primary treaty‑layer pricing shows signs of upward pressure, overall capacity remains ample, limiting steep premium...
The Hidden Insurance Rules Keeping MLB Stars Out Of The 2026 World Baseball Classic
The 2026 World Baseball Classic is missing several marquee MLB players because of hidden insurance requirements imposed by MLB clubs. Teams must secure high‑cost injury policies for participants, and many stars, including Mike Trout, Francisco Lindor, and Carlos Correa, opted...
Citizens Rates Fall as Policy Count Decline Drives Lower Reinsurance Demand
Citizens Property Insurance Corporation cut rates after its policy count dropped 76% from the October 2023 peak, with regulators approving an average 8.8% reduction for homeowners and 5.5% for wind‑only policies. The shrinking exposure base has lowered reinsurance demand, prompting...
Howden US Hires Philip Stack as Managing Director, Alternative Risk & Captives
Howden US announced the appointment of Philip Stack as managing director of its Alternative Risk & Captives division. Stack will guide clients on structuring insurance programs and deploying alternative risk transfer tools such as captives, multi‑year structures, parametric solutions, and...
BirdsEyeView Launches AI Data Scrubbing to Streamline Hazard Modelling
BirdsEyeView, an ESA‑backed insurtech, unveiled AI Data Scrubbing, an automated tool that cleans, standardises and geolocates Statement of Values (SOV) files. The solution transforms raw exposure data into modelling‑ready inputs within minutes, handling up to 10,000 locations per run and...
The Municipal Catastrophe Insurance Crisis
American municipalities are confronting a catastrophe‑insurance crisis rooted in industry inertia rather than risk scarcity. Insurers continue to collect premiums while withdrawing coverage, leaving low‑income residents, small businesses, and affordable‑housing developers exposed to climate‑driven losses. The article argues that without...