Insurance News Digest 7-16-2026

The P&C industry is balancing strong underwriting results with slowing growth, affordability pressures and evolving distribution. Resilience, smarter technology and disciplined pricing remain central.

July 16, 2026

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Insurance News Trivia: Who was the first person to buy auto liability insurance?

Top 10 Articles Of The Week

Farmers agreed to pay $2.87 million to settle claims that a Texas agency sent unsolicited calls and texts to numbers on the Do-Not-Call Registry. The case highlights vendor oversight and marketing compliance exposure.

Duck Creek acquired Send Technology Solutions to connect core systems with agentic underwriting workflows. The deal signals growing investment in AI platforms designed to improve speed, consistency, governance and risk selection.

CMS proposed 2027 Medicare changes that would ease ACO participation, phase out traditional MIPS reporting and revise physician payment. Projected rate cuts are drawing provider concern and may ripple across payer strategy.

Extreme heat is straining power grids from the Mid-Atlantic to California, while smoke, wildfire conditions and Texas flooding compound risk. The overlapping hazards underscore rising pressure on resilience and claims planning.

Insurance professionals are being paid to train AI on underwriting, claims and actuarial judgment, potentially accelerating job displacement. The article raises workforce, confidentiality and compensation questions for industry leaders.

Insurers are tying workforce reductions to AI, yet research suggests job cuts alone do not improve technology returns. Stronger outcomes depend on reskilling employees, redesigning roles and investing in operating models.

Meharry Medical College's African American DNA study required careful coordination across cyber, clinical and data privacy risks. The project shows how trusted risk partnerships can help ambitious health research move forward.

SCAN Health Plan and Alignment Healthcare are suing CMS over its Medicare Advantage star rating recalculations. The disputes highlight how small scoring changes can shift hundreds of millions of dollars in plan payments.

Buckled columns at a Manhattan office conversion prompted evacuations and paused work on a major housing project. The incident underscores the structural, inspection and liability challenges tied to adaptive reuse.

California's AB 311 would let insurers use voluntary telematics data to reward safer driving while adding consent and privacy safeguards. Supporters see safer roads, while critics warn about bias and transparency.

Topic of the Week: P&C

U.S. P&C insurers recorded $61.2 billion in underwriting income and a 93 combined ratio in 2025, their strongest result in a decade. Personal lines led gains, while commercial auto and liability remained pressured.

Florida’s proposed homestead tax expansion depends on continued population gains to offset lower revenue. Yet growth slowed to 0.9% in 2025, raising questions for public budgets, housing markets and insurance demand.

P&C Insurers Shift from Coverage to Risk Resilience

Majesco argues that rising catastrophe losses, affordability pressures and uninsured households require a more proactive insurance model. Data, AI and loss prevention can help narrow protection gaps and strengthen customer trust.

Honda Insurance Solutions paused operations about a year after launching with VIU by HUB. The company cited an evolving insurance market and auto industry uncertainty, while directing existing customers to their insurers or broker.

Swiss Re expects global P&C premium growth to slow to 0.6% in 2026 as competition pressures pricing. Rising repair costs, catastrophe exposure and inflation may keep the soft market shallower than earlier cycles.

Trivia Answer: Gilbert J. Loomis, 1897 in Dayton Ohio

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