Insurance News Digest 12-4-2024

This week, the insurance industry saw AM Best's outlook on Personal Auto and Commercial turn stable, cyber breaches led to GEICO and Travelers fines, and AI continues to influence and challenge the industry.

We deliver the latest insights and developments shaping insurance, focused on insights and opportunities for those who serve the insurance industry. Stay informed on how emerging trends like current events, regulatory changes, AI, and innovative products can help you better serve your clients and partners and drive business growth.

AM Best reports sustained profitability supports stability in US commercial insurance, critical for stakeholders.

Improved rates and underwriting result in a stable outlook for US personal auto insurance.

New York fines insurers for breaches, spotlighting the importance of cybersecurity measures.

Record-breaking hurricane season concludes with tens of billions in claims, underscoring the need for robust reinsurance.

Florida's Citizens Insurance plans to reduce exposure by 137,000 policies in 2025, cutting risk by 15.6%.

New AI technology provides insurers and clients predictive satellite imagery to assess future flood risks.

AI tools enable insurers to refine pricing models, enhancing accuracy and profitability.

Report highlights AI implementation hurdles and pathways to unlock its full potential in the insurance sector.

Innovative tech reduces property risks for homeowners, offering new cost-saving solutions for insurers.

Advances in data analytics allow insurers to refine risk assessment and tailor policies more effectively.

Analysis of AI's potential in fraud detection and hyper-personalization while mitigating risks of bias.

Experts discuss moving beyond efficiency-focused pilots to leveraging generative AI for strategic growth.

StretchDollar empowers small businesses to afford pre-tax health plans through ICHRA-enabled reimbursements.

The changing risk environment requires financial lines insurance products that address today’s complex exposures, ensuring insureds have coverage that meets their evolving needs.

Market to hit $16.54 billion if year-end deals close, showcasing growth in alternative risk transfer.

Nearly 25% of working-age Americans with health insurance face high out-of-pocket costs, limiting access to care. A Commonwealth Fund survey also found 12% experienced coverage gaps in the past year, with 9% uninsured.

Zurich Insurance completes AIG travel insurance acquisition, expanding its global offerings.

Liberty Mutual introduces Marc Orloff as head of Global Risk Solutions, enhancing leadership in key segments.

Analysis urges insurers to counteract costly litigation trends through precise language and targeted strategies.

Insights into Lemonade's hiring strategies focused on cultural fit and innovative attitudes to enhance success.