- Insurance News Digest
- Posts
- Insurance News Digest 10-30-2026
Insurance News Digest 10-30-2026
NAIC reports more cyber policies, and a WTW survey shows cyber risk high on board agendas. Swiss Re estimates limited small-business uptake, while Howden specialists flag gaps when attacks cause physical harm.
If you’re enjoying the newsletter please click the ad below to support it’s production. No purchase necessary. Thank you!
Fresh-Roasted Coffee, Without Leaving the House
A third-generation LA roaster ships 50+ coffees — single origins, flavored favorites, decafs, even teas — days after roasting. Mix and match Keurig®-compatible boxes for tiered savings up to 34% off. First order? Take an extra 15% off, automatically.
Insurance News Trivia: Which television celebrity was presented with America's first pet insurance policy in 1982?
Top 10 Articles Of The Week
Thirteen Senate Democrats asked 10 ACA insurers to explain their role in terminations affecting more than 760,000 people. CMS says the enrollments were unauthorized; lawmakers question the notice and process used.
KFF's annual survey puts the average family premium for job-based coverage at $28,303 this year, up 5%. Workers' average contribution rose 9% to $7,471, and 44% of large employers raised what staff pay for coverage.
FEMA has opened online quoting and purchasing for National Flood Insurance Program policies in nearly 22,700 communities. Shoppers can also take a quote to an agent, adding another path into a market with a large coverage gap.
Amazon, Google, Meta, Oracle and Axon joined a voluntary pledge to adopt electronic prior authorization in their self-funded health plans. The commitment brings large employers into an effort to speed coverage decisions.
J.D. Power found satisfaction with total-loss auto claims fell for a third year, even as satisfaction with repairable claims improved. Total losses are more common, and unclear communication remains a problem in the claims process.
Bank of England modeling suggests the share of UK mortgage borrowers without insurance could rise from about 5% to 7%–10% by 2050. The bank links that risk to climate-driven flooding and calls for better data and physical resilience.
Marsh says global commercial insurance rates fell 5% in the third quarter, the ninth straight quarterly decline, led by property. US casualty rates rose 6%, leaving buyers with different renewal conditions across coverage lines.
An Independent Agent guest column urges health brokers to test enrollment-platform access, backup systems and client-data transfers before Nov. 1. The checklist responds to tighter federal exchange controls and the cost of stalled applications.
Insurance Thought Leadership argues that some carriers are waiting for AI features inside their existing policy and claims systems. Its authors say native tools may ease integration and oversight, but specialized alternatives still merit review.
EverQuote launched Luva, an AI-assisted auto insurance shopping platform that says users can compare carrier rates and connect with an agent. In Coverager's test, it produced no online quote and referred the shopper to a licensed agent.
Topic of the Week: Cyber Insurance Grows, but Protection Remains Uneven
NAIC says U.S. domestic cyber policies in force rose 33% in 2025 to about 5.8 million. Endorsements accounted for nearly 53% of policies but just 4% of direct premiums, a sharp split between policy counts and premium volume.
In a WTW survey, cyber attacks and data loss ranked among directors' and officers' top three risks globally. Forty-eight percent of respondents said their organizations had cyber insurance, and 19% planned to buy it within two years.
Howden US specialists warn that attacks on industrial systems can cause property damage, bodily injury and pollution losses that a cyber policy may not cover. They call for a coordinated review of cyber, property, liability and environmental terms.
Cyber insurance rates have fallen for four straight years, Claims Journal reports, even as U.S. cyber-related losses rose in 2025. Swiss Re estimates that only 10%–20% of small and midsize businesses carry cyber coverage.
Trivia Answer: Lassie. The famous collie received the ceremonial first policy from veterinarian Jack Stephens, an early pioneer of American pet insurance. Luckily, there were no reports of insurance claims from rescuing Timmy from a well.
*See a list of our preferred publications here.