Deep Dives

Cyber

Jul 1, 2026

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11 min read

Cyber Rates Are Falling. Cyber Insurability Is Tightening.

Ransomware activity remains elevated, but the market’s discipline is moving from broad rate increases to stricter controls, attestations, sublimits, and exclusions

Deep Dives

New York Gave Auto Insurers Relief, Then Changed the Rules for Capturing It

Jun 17, 2026

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7 min read

New York Gave Auto Insurers Relief, Then Changed the Rules for Capturing It

The state’s 2026 reform attacks fraud, BI severity, and litigation leakage, but the harder test for carriers is whether they can rebuild pricing precision, filings, and claims execution fast enough to

Commercial

The AI Exclusion Wave and the $4.7 Billion Specialty Insurance Opportunity

Apr 29, 2026

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4 min read

The AI Exclusion Wave and the $4.7 Billion Specialty Insurance Opportunity

Why standard admitted carriers are fleeing AI deployer liability, and the proprietary playbook for the three specialty markets stepping in to capture the upside.

The Intelligence Council

Cyber

Five Carriers Got Breached. They Wouldn't Insure Themselves

Apr 15, 2026

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6 min read

Five Carriers Got Breached. They Wouldn't Insure Themselves

The controls that failed at Erie and Beacon are the same ones on every cyber application

The Intelligence Council

Commercial

Chubb Is Excluding the Risk Its Own CEO Says AI Will Solve

Apr 1, 2026

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8 min read

Chubb Is Excluding the Risk Its Own CEO Says AI Will Solve

Six carriers filed AI liability exclusions. Two Lloyd's MGAs are underwriting what they dropped

The Intelligence Council

Commercial

Chubb's CEO Just Challenged the Entire MGA Model

Mar 25, 2026

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5 min read

Chubb's CEO Just Challenged the Entire MGA Model

Evan Greenberg called MGAs "a bad bet," then committed to 85% automation and 8,600 job cut

The Intelligence Council

Deep Dives

Government Reinsurance Is Here to Stay. Plan Accordingly

Mar 18, 2026

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6 min read

Government Reinsurance Is Here to Stay. Plan Accordingly

TRIA (Terrorism Risk Insurance Act) compressed terrorism premiums from 7% to under 3% in a decade. The DFC’s $20 billion Chubb facility will do the same to marine war risk

The Intelligence Council

Deep Dives

Five Carriers, 78% of Florida, One Price War

Mar 11, 2026

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6 min read

Five Carriers, 78% of Florida, One Price War

J.D. Power recorded the highest auto insurance shopping rate in 19 years and direct-channel volume is pulling away from agency channels

The Intelligence Council

Deep Dives

Your Blended Combined Ratio Is Lying to You

Mar 4, 2026

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4 min read

Your Blended Combined Ratio Is Lying to You

Chubb posted an 85.7 combined ratio in 2025 with a 126.2 in commercial auto buried inside it, and nine commercial lines are now in pricing retreat for the first time in eight years

The Intelligence Council

Cyber

Agencies Want AI Governance. No Carrier Has Shown Up

Feb 25, 2026

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5 min read

Agencies Want AI Governance. No Carrier Has Shown Up

55% of agencies lack a written AI policy. The first carrier to fill that gap locks in distribution loyalty

The Intelligence Council

Cyber

AI Quoting Hits Retail. Specialty Gains Leverage

Feb 18, 2026

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5 min read

AI Quoting Hits Retail. Specialty Gains Leverage

Why February’s selloff mispriced complex risk earnings

The Intelligence Council

Overall

Feb 11, 2026

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3 min read

Insurance Is Now Pricing Politics

Why profits are triggering warnings, givebacks, and quiet exits across U.S. P&C

The Intelligence Council

Overall

Feb 4, 2026

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12 min read

AI Warps the M&A Cycle

Deals are moving faster, diligence is getting standardized, and underwriting errors are starting to correlate. Here’s how to tighten limits and force proof before losses cluster

The Intelligence Council

Cyber

Jan 28, 2026

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12 min read

ISO Makes AI Excludable

GenAI liability is getting pushed out of CGL and into Cyber, Tech E&O, and standalone AI

The Intelligence Council

Commercial

Jan 21, 2026

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8 min read

SMB Cyber Isn’t Diversified Anymore

Standardized tech stacks and AI-driven attacks are quietly turning SMB cyber into a correlated risk the market is still mispricing

The Intelligence Council

Overall

Reinsurance Is Calm for the Wrong Reason

Jan 14, 2026

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12 min read

Reinsurance Is Calm for the Wrong Reason

Pricing held, but not because U.S. risk improved. Capital is masking a correction that will not arrive gently.

The Intelligence Council

Cyber

Jun 13, 2025

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3 min read

the algorithmic backlash

A strategic reckoning is coming for insurers

Overall

the reinsurance retreat reshaping strategy

Jun 6, 2025

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3 min read

the reinsurance retreat reshaping strategy

Everyone’s seen the wildfires. But that’s not what should scare you.

Deep Dives

Cyber Rates Are Falling. Cyber Insurability Is Tightening.

New York Gave Auto Insurers Relief, Then Changed the Rules for Capturing It

The AI Exclusion Wave and the $4.7 Billion Specialty Insurance Opportunity

Five Carriers Got Breached. They Wouldn't Insure Themselves

Chubb Is Excluding the Risk Its Own CEO Says AI Will Solve

Chubb's CEO Just Challenged the Entire MGA Model

Government Reinsurance Is Here to Stay. Plan Accordingly

Five Carriers, 78% of Florida, One Price War

Your Blended Combined Ratio Is Lying to You

Agencies Want AI Governance. No Carrier Has Shown Up

AI Quoting Hits Retail. Specialty Gains Leverage

Insurance Is Now Pricing Politics

AI Warps the M&A Cycle

ISO Makes AI Excludable

SMB Cyber Isn’t Diversified Anymore

Reinsurance Is Calm for the Wrong Reason

the algorithmic backlash

the reinsurance retreat reshaping strategy

P&C Insurance Executive Intelligence By The Intelligence Council

P&C Insurance Executive Intelligence
By The Intelligence Council