While both medical malpractice and professional liability insurance protect against professional risks, they are tailored to fundamentally different exposures. Healthcare providers need malpractice insurance to guard against claims of physical harm, while other professionals require liability coverage for financial or reputational losses. Selecting the right policy depends on the nature of your profession and the specific risks you face.
Social inflation has emerged as a critical force driving up the cost of liability insurance in the United States and beyond. Unlike economic inflation, which is tied to broader price increases in the economy, social inflation refers to the rising costs of insurance claims that exceed what can be explained by economic factors alone. This phenomenon is reshaping the commercial insurance landscape, with Captive insurance companies being increasinlgy utilized as a strategic alternative for organizations facing the challenges of social inflation.
A Florida-based residential affordable real estate client with a $1 billion total insurable value partnered with Captives Insure (C.I.) to renew a $60 million primary property policy and a $15 million excess general liability policy. Leveraging a historical property loss ratio of under 4% and a loss-free excess liability layer, C.I. secured significant reductions in both premium and collateral requirements. Through a bespoke captive insurance structure, the client recaptured millions previously spent in the standard insurance market and retained ~$4 million in gross written premium within their captive. C.I. was able to negotiate renewal terms and provide a collateral reduction of over 50% for their 2025 renewal along with a market rate premium decrease
This week’s insurance and reinsurance landscape was shaped by macroeconomic pressures, rising risk exposures, robust financial results, and ongoing regulatory developments. Read more at the link below to see an overview of the key trends and news shaping the industry.
The story of America’s cost of living is, at its core, a reflection of how society has evolved-economically, culturally, and technologically-over the past century. To truly appreciate the magnitude of this transformation, it’s worth stepping back into the 1920s, an era marked by exuberance and innovation, and comparing it to the realities of 2025. The numbers, when laid side by side, offer a striking narrative not just about prices, but about the changing nature of American life.
As we approach the midpoint of 2025, the financial markets are caught in a complex web of optimism and anxiety. The recent rally in major indices, led by technology giants, offers a glimmer of hope, but it would be shortsighted to ignore the persistent headwinds shaping the economic landscape.
Nuclear and thermonuclear verdicts—jury awards exceeding $10 million and $100 million, respectively—are reshaping the auto insurance landscape, driving unprecedented financial pressures on insurers and policyholders alike. These massive payouts, fueled by shifting jury attitudes and aggressive legal strategies, are forcing insurers to recalibrate risk models, tighten underwriting, and pass costs to consumers through higher premiums. Here’s how these verdicts are impacting the industry and what it means for future rates
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