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- Insurance News Digest 11-12-2026
Insurance News Digest 11-12-2026
New AI exposures may be harder to price as insurers use the technology in underwriting and operations. Cowbell plans agent liability coverage, and Federato finds many London market firms expect major core system changes.
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Insurance News Trivia: What unusual financial backup plan did the Apollo 11 astronauts arrange before traveling to the Moon?
Top 10 Articles Of The Week
House Democratic leaders plan early votes in 2027 to reverse Medicaid cuts and restore enhanced ACA subsidies, the AP reports. Passage remains uncertain because the bills face a 60-vote Senate threshold and a possible presidential veto.
UnitedHealth posted $4.1 billion in Q3 profit and CVS $2.2 billion, Fierce Healthcare reports. Elevance and Centene cited signs of improved Medicaid rate setting, while Humana's early signups suggested 2027 Medicare Advantage growth.
AM Best recorded about half as many U.S. P&C insurer downgrades in the first half of 2026 as a year earlier, with more upgrades. It kept stable outlooks for personal and commercial lines, though commercial auto and casualty remain challenged.
Ivans' October index shows slower renewal rate increases in commercial auto, business owners policies, general liability and umbrella. Workers' comp fell further, while commercial property's increase rose from 5.11% in September to 5.37%.
Roofing manufacturers are challenging an IBHS rule that will end Fortified roof recertification for roofs older than 15 years in 2027. The rule does not require replacement or bar coverage, but the industry group fears broader underwriting limits.
Experian Health surveyed 204 provider billing and claims professionals. Of them, 75% said denials are rising and 78% said payer policies change more often, adding work to claims management and reimbursement for providers.
Man Group says catastrophe bonds offer sponsors multiyear cover, added capacity and pricing competition. It sees room for further growth as sponsors and covered perils expand, provided pricing remains attractive to both investors and sponsors.
JPMorgan expects double-digit property catastrophe reinsurance price declines at January 2027 renewals, citing strong profits and ample capital. The bank warns that sustained cuts could pressure underwriting margins over the next two years.
Liberty Global Transaction Solutions received a record 176 representations-and-warranties insurance claim notifications in 2025, up 26% from 2024. It attributes the rise partly to more deals and partly to higher notification frequency.
Andy Pruett argues that industrial operators should weigh the cost of an asset failure when deciding whether to fund prevention. In his analysis, insurers and brokers can help by tying risk-engineering findings to specific business consequences.
Topic of the Week: AI Tests Insurance Coverage and Core Systems
Cowbell plans to launch a standalone AI liability policy for small and midsize businesses in January 2027, distributed through wholesale brokers. Its proposed trigger covers agent actions beyond authorized scope; final terms will govern.
In Federato's survey of 245 London market insurance professionals, 76% expect major core system changes, and 89% reported lost business due to operational speed. The vendor links AI ambitions to underwriting and integration delays.
Ron Shriberg argues that AI can reduce familiar losses while creating harder-to-price exposures, including failures shared across many users of one model. He urges risk managers to inventory AI use and review policy language and vendor contracts.
Trivia Answer: They autographed hundreds of envelopes for their families to sell if they didn't return. Adequate conventional life insurance was difficult to obtain. When your occupation is moonwalking, underwriting gets complicated.
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