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Skip to content * List Your Program * Storefront Directory * News * About * Support * LogIn * Register FIND MARKETS, GET QUOTES SIMPLY SEARCH BY COVERAGE OR KEYWORD AND FIND THE MARKET YOU ARE LOOKING FOR IN SECONDS. Search… Coverage, Keyword, or Company THIS WEEK'S FEATURED MARKETS * TRANSPORTATION Programs Details * HABPRO INSURANCE – COMMERCIAL REAL ESTATE INSURANCE Programs Details * SES INSURANCE: INSURANCE FOR THE REAL ESTATE INDUSTRY Programs Details * INLAND MARINE Programs Details * CRANE & RIGGING Programs Details STAY UP TO DATE ON NEW MARKETS GET ALERTS TO YOUR INBOX ON NEW AND TRENDING MARKETS EACH WEEK. Please enable JavaScript in your browser to complete this form. Email * Custom Captcha * 2 + 1 = Subscribe CONNECTING PEOPLE WITH INSURANCE PROBLEMS TO PEOPLE WITH INSURANCE SOLUTIONS WHETHER YOU ARE A CARRIER, MGA, WHOLESALE, RETAIL AGENT, OR BROKER, WE HAVE A SOLUTION FOR YOU. LEVERAGE OUR PLATFORM TO STREAMLINE YOUR PROCESSES AND GROW YOUR BUSINESS. LOOKING FOR MARKET DISTRIBUTION? PROGRAMBUSINESS FOR CARRIERS, MGA’S & WHOLESALERS OUR ROBUST PLATFORM ENABLES AGENTS TO QUICKLY CONTACT YOU AND BEGIN THE UNDERWRITING, QUOTING, AND SUBMISSION PROCESS. Schedule a demo Learn More GET A SEARCHABLE BUSINESS DIRECTORY, WITH ANY NUMBER OF PROGRAM LISTINGS GET YOUR PROGRAM IN FRONT OUR OUR NETWORK OF OVER 80,000+ INDEPENDENT AGENTS MARKET YOUR PROGRAMS VIA ON SITE ADS AND EMAIL MARKETING CAMPAIGNS LOOKING FOR A MARKET? PROGRAMBUSINESS FOR RETAIL AGENTS & BROKERS FIND THE PERFECT MARKET FOR YOUR RISK. SEARCH BY COVERAGE OR KEYWORD AND REGION AND START GETTING QUOTES IMMEDIATELY. Sign Up for Free Learn more SEARCH 350+ SPECIALTY PROGRAMS BY COVERAGE OR KEYWORD SUBMIT ACORDS, DRIVERS’ SCHEDULES, AND LOSS RUNS DIRECTLY ON THE PLATFORM TRY NEW NICHE MARKETS AND EXPAND YOUR FOOTPRINT IN INDUSTRIES YOU ALREADY SERVE PROGRAMBUSINESS NEWS THE WORLD OF INSURANCE DELIVERED. INSURANCE INDUSTRY NEWS CAREFULLY CURATED BY INSURANCE INDUSTRY EXPERTS. STAY UP TO DATE ON BREAKING NEWS, INDUSTRY CHANGES AND UPDATES, AND PRESS RELEASES FROM ALL THE MAJOR PLAYERS. Sign Up to Receive Updates Straight to Your Inbox FLORIDA COMMITTEE MOVES BILL TO INCREASE CITIZENS’ COVERAGE CAP The Florida Senate Banking and Insurance Committee has advanced a measure that would increase the maximum dwelling replacement value for homes covered by Citizens Property Insurance Corp. to $1 million from the current $700,000. The committee moved the bill, S.B. 1106, on a 10-0 vote. The measure covers homes of up to $1 million and single condominium units, including replacement of contents, of up to $1 million. Homes in Miami-Dade County and Monroe County, covering the southern tip of the Florida peninsula and Keys, already have the $1 million maximum coverage level, according to an analysis of the bill. The legislation is designed to offer coverage to homeowners whose homes have replacement values more than $700,000 and either have to go to the expensive non-admitted market or go without coverage, it said. The bill has some measures designed to make property owners think twice about whether to take Citizens’ coverage. First, it would impose a surcharge on policies of $700,000 or more of $2,500 or 25% of a home’s premium, whichever is less. Second, the annual rate increases approved for Citizens several years ago were limited to what it calls a “glide path,” limiting rate increases to 13% in 2024, 14% in 2025 and 15% in 2026 and thereafter. But under the bill, the glide path would not apply to homes with dwelling replacement costs of $700,000 or more, likely leading to larger rate increases than properties less than $700,000 in dwelling replacement costs, it said. The analysis acknowledges Citizens is required by law to take steps to reduce the number of properties it covers, and recent efforts showed notable progress, it said. As of Nov. 30, Citizens reported 1,26 million policies in-force with a total exposure of $562.5 billion. That is a reduction of more than 74,000 policies and $23.3 billion in exposure, compared to Oct. 31, it said. An attempt to obtain comment about the bill from a Citizens spokesman was not immediately successful. Lawmakers are trying to find ways to ease the pressure on the property insurance market in Florida, such as a proposal to remake Citizens into a wind-only insurer and one to allow condominiums covered by Citizens to accept coverage for the depreciated value of their roof, not the replacement value. Read More GALLAGHER RE: INSURED LOSSES FROM NATURAL CATASTROPHES ESTIMATED AT $123 BILLION In 2023, the estimated total economic costs of direct physical damage and net-loss business interruption from global natural perils was $357 billion. The private insurance market and public insurance entities covered an estimated $123 billion of that total. This marks the fourth consecutive year that nominal insured losses have topped $100 billion, and the sixth year out of the last seven. The severity and high-impact frequency of natural catastrophe events continues to rise, and those of us in the insurance industry face the responsibility of identifying the risks challenging not only the private sector, but also governmental entities and emergency managers, among others. This report aims to fulfill part of that responsibility. With expertise and emerging research from Gallagher Re colleagues, as well as across the Gallagher family and the Gallagher Research Centre's academic partners, we contextualize the effects of natural catastrophe risk, climate change and an evolving regulatory environment on clients and other private and public sector stakeholders. Readers of this report can expect to: * Explore global and regional catastrophe peril and loss drivers. * Learn which regions are facing changing loss patterns. * Identify the role of climate change and how it is influencing the decisions of the (re)insurance industry. * Better understand how global regulatory demands and climate disclosure requirements are evolving. Download report here. Read More INFLATION BOOSTS US P/C INSURERS’ RESERVE RISK IN CASUALTY LINES Fitch Ratings expects the U.S. property casualty insurance (p/c) industry to generate modest underwriting improvement in 2024, following poor auto insurance results and inordinate catastrophe losses in 2023. However, persistently high inflation and slowing economic growth, with Fitch’s expectation for GDP to drop to 1.2% in 2024 from 2.4% in 2023, raise the potential for an unfavorable shift in loss reserve adequacy that clouds the earnings picture, led by commercial auto and other liability product lines. We anticipate that a higher proportion of individual companies will report unfavorable loss reserve development in this environment. However, few insurers are expected to have material capital deterioration from forthcoming loss reserve weakness, with capital for issuers expected to remain within ratings expectations. The accuracy of insurers’ loss projections for claims severity tied to inflation and litigation risks in commercial auto and other liability business will determine if the p/c industry will reach its 19 consecutive year streak of favorable calendar-year loss reserve development in 2024. It will also largely dictate if uncharacteristic adverse reserve development persists in personal auto business. In aggregate, the p/c industry has generated modest calendar year reserve development of approximately 1% of earned premiums for the last five years, including 2023. The industry’s long-run trend of reserve adequacy reflects balance sheet conservatism and improvements in information systems, claims processes and loss modeling over time. Loss reserve experience has varied by product line. While segments including fidelity & surety, medical professional liability and special property reported reserve redundancies over the last five years. However, workers’ compensation represented over 90% of all industry-favorable development from 2018-2022, averaging 14% of the segment’s calendar year earned premiums for this period. Fitch Ratings-New York/Chicago-12 January 2024: Fitch Ratings expects the U.S. property casualty insurance (p/c) industry to generate modest underwriting improvement in 2024, following poor auto insurance results and inordinate catastrophe losses in 2023. However, persistently high inflation and slowing economic growth, with Fitch’s expectation for GDP to drop to 1.2% in 2024 from 2.4% in 2023, raise the potential for an unfavorable shift in loss reserve adequacy that clouds the earnings picture, led by commercial auto and other liability product lines. We anticipate that a higher proportion of individual companies will report unfavorable loss reserve development in this environment. However, few insurers are expected to have material capital deterioration from forthcoming loss reserve weakness, with capital for issuers expected to remain within ratings expectations. The accuracy of insurers’ loss projections for claims severity tied to inflation and litigation risks in commercial auto and other liability business will determine if the p/c industry will reach its 19 consecutive year streak of favorable calendar-year loss reserve development in 2024. It will also largely dictate if uncharacteristic adverse reserve development persists in personal auto business. In aggregate, the p/c industry has generated modest calendar year reserve development of approximately 1% of earned premiums for the last five years, including 2023. The industry’s long-run trend of reserve adequacy reflects balance sheet conservatism and improvements in information systems, claims processes and loss modeling over time. Loss reserve experience has varied by product line. While segments including fidelity & surety, medical professional liability and special property reported reserve redundancies over the last five years. However, workers’ compensation represented over 90% of all industry-favorable development from 2018-2022, averaging 14% of the segment’s calendar year earned premiums for this period. Workers’ compensation loss reserves are likely still significantly redundant, but carriers’ ability to maintain large redundancies in a weakening pricing environment remains uncertain, with declining workers’ compensation premium rates point to higher future loss ratios going forward. The segment benefits from a long-term trend of declining claims frequency, but a significant rise in medical inflation could lead to a reduction in reserve strength. The commercial auto liability and other liability – occurrence (OL-OCC) and claims made (OL-CM) segments have reported significant unfavorable calendar year reserve development in each of the last five years. OL-OCC reported reserve deficiencies averaging 7% of segment earned premiums from 2018-2022 and commercial auto averaged 6%. On an accident year basis, these segments continued to exhibit weakness in the 2015-2019 accident years. Reserve experience thus far is better in the 2020-2021 underwriting periods. However, potential for segment reserve weakness in the 2022 and 2023 accident years is elevated by recent economic inflation and rising social inflation from increases in litigation activity and nuclear verdicts. The personal auto line is traditionally a source of reserve stability with a history of generating modest reserve redundancies over time. However, auto writers’ slow recognition of sharp increases in claims severity from pandemic-related supply chain shortages, higher parts and labor costs, and greater litigation exposure led to large underwriting losses and adverse reserve development in 2022 and 2023. While underwriting changes and large premium rate increases will foster better personal auto performance in 2024, reserve deficiencies may continue to emerge in this segment over the near term. The sector outlook for US P/C insurance for 2024 is neutral for both commercial and personal lines. We expect results to be stable to improving, with a gradually emerging recovery in personal auto, continued stability in commercial lines underwriting and investment income growth. Read More NEW YORK REGULATOR ISSUES PROPOSED REGULATIONS ON INSURERS USING AI The New York Department of Financial Services has issued a circular letter setting expectations that any insurer using artificial intelligence systems must be able to establish those systems do not use data that could produce discriminatory outcomes. The circular letter outlines the DFS’ expectations for how insurers develop and manage the integration of external consumer data and information sources, artificial intelligence systems and other predictive models to mitigate potential harm to consumers, it said in a statement. Insurers are expected to analyze ECDIS and AIS for unfair and unlawful discrimination; demonstrate the actuarial validity of ECDIS and AIS; maintain a corporate governance framework that provides appropriate oversight; and maintain appropriate transparency, risk management and internal controls, it said. “Technological advances that allow for greater efficiency in underwriting and pricing should never come at the expense of consumer protection,” DFS Superintendent Adrienne Harris said in a statement. “DFS has a responsibility to ensure that the use of AI in insurance will be conducted in a way that does not replicate or expand existing systemic biases that have historically led to unlawful or unfair discrimination.” When using ECDIS or AIS, insurers are responsible for complying with anti-discrimination laws whether they are collecting data and directly underwriting consumers, or relying on ECDIS or AIS of external vendors, the circular letter said. Insurers may not use ECDIS or AIS to use information that would otherwise be prohibited from using directly, it said. Further, insurers would not be allowed to rely solely on a vendor’s claim of non-discrimination or a proprietary third-party process to determine compliance with anti-discrimination laws. “The responsibility to comply with anti-discrimination laws remains with the insurer at all times,” it said. Insurers would also be required to keep records of its processes for testing for discrimination and should conduct tests regularly and as methods and inputs change, it said. They should use qualitative and quantitative measurements, including multiple statistical metrics evaluating data and model outputs to ensure they have a comprehensive assessment, it said. The circular letter makes it clear senior management will be responsible for day-to-day implementation of the development and management of ECDIS and AIS. “This includes establishing adequate policies and procedures, assigning competent staff, overseeing model risk management, ensuring effective challenge and independent risk assessment, reviewing internal audit findings, and taking prompt remedial action when necessary,” it said. It outlines expectations for the role of the board of directors and other governance issues. It also sets outlines transparency rules, including providing an explanation for any adverse decisions for a policyholder or an application for coverage where the insurer used AIS and ECDIS. The DFS said it will accept comment from all interested parties through March 17. The National Association of Insurance Commissioners Executive Committee and plenary approved a model bulletin on the use of algorithms, predictive models and artificial intelligence by insurers that includes the word “bias,” which trade groups said does not meet the legal standard used by the industry. Read More SUBSCRIBE TO PROGRAMBUSINESS NEWS GET ALERTS TO YOUR INBOX ON INSURANCE NEWS. Please enable JavaScript in your browser to complete this form. 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