Personal Lines

As private insurers flee high-risk markets, federal disaster insurance expansion should fill catastrophic coverage gaps.

America's flood insurance crisis deepens as climate-fueled disasters expose low penetration rates in vulnerable communities.

Technology-enabled prevention transforms agents into risk advisors as winter water damage threatens coverage sustainability

Traditional disability planning approaches are inadequate, as carriers confront a rapidly expanding market demanding specialized products.

Legacy infrastructure systems face critical tolerance thresholds as climate change and urbanization exceed original design parameters.

Competitive pressures are sparking a destructive cycle in the P&C insurance ecosystem that must -- and can -- be avoided.

Even though 77% of people encounter daily scams, institutions fail consumers with poor recovery rates and inadequate protection.

Insurers face a critical 18-month window to transform by embracing AI, data-driven innovation, capital flexibility, digital ecosystems, and data-driven decision-making.