Resilience & Sustainability

P&C insurers face critical execution gaps in personalization, AI deployment and climate risk that will define 2026's winners

Past wildfire burn areas no longer predict future risk, forcing insurers to embrace climate-aware analytics after Los Angeles's $40 billion loss.

Companies can enhance financial resilience against hyper-volatility by building operational flexibility and leveraging advanced analytics.

Sedgwick's annual study finds Fortune 500 executives identify resilience as 2026's defining business challenge amid AI uncertainty, catastrophe risks, and cyber threats.

A $255 billion flood protection gap exposes outdated risk models, pushing the industry toward parametric insurance and captive structures.

Government shutdown delays and coverage caps drive homeowners toward private flood insurers, reshaping the industry landscape.

Insurers are entering 2026 with one clear mandate: Strengthen the core to unlock scalable, AI-enabled growth. 

Climate-driven catastrophes are forcing insurers to adopt hyperlocal weather intelligence and shift from reactive to proactive strategies.