Insurance News Digest 7-25-2025

Insurers are stepping up risk avoidance efforts through science-based mitigation, advanced alert tools, and targeted fraud prevention. These moves reflect a shift toward greater precision and accountability.

July 25, 2025

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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.

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Top Articles Of The Week

Overexertion from external sources and same-level falls represent nearly 40% of America’s $58.78 billion annual workplace injury costs, per Liberty Mutual’s 2025 Workplace Safety Index. While injury rates have dropped, total costs are rising, underscoring persistent sectors for risk mitigation.

Swiss Re forecasts a steady 10% return on equity for U.S. property‑casualty insurers through 2026, even as premium growth cools to ~5.5% in 2025 and ~4% in 2026. Competitive pressures are increasing, but investment income is expected to offset underwriting slowdowns.

Tangram’s CEO Rekha Skantharaja advocates for diverse, non‑traditional leadership in insurance, aiming to challenge legacy structures with a majority‑female executive vision. She calls on the industry to think creatively about empowerment and representation.

Ivans Index reports Q2 2025 renewal rates up year‑over‑year across commercial lines, though growth is weaker than Q1. Workers’ comp renewals fell deeper (–1.75%), while general liability ticked up ~4.7%, signaling a gradually easing hard market.

Uber accuses Los Angeles medical providers of inflating injury claims, alleging fraudulent billing practices and excessive charges. The lawsuit underscores growing scrutiny over medical costs within P&C claims processes.

This article explores how AI can accelerate underwriting and claims handling while shifting focus toward loss prevention using predictive analytics. It highlights operational gains along with potential benefits for policyholder safety.

Twenty state attorneys general filed suit against HHS and CMS, arguing that new ACA rule changes could strip coverage from 1.8 million people. They claim the changes exceed legal authority and increase costs for vulnerable populations.

A man in Lake Wales, Florida, was arrested for firebombing an insurance agency owned by the brother of his business rival. The incident raises concerns about the personal risks tied to competitive tensions.

State Farm is increasing homeowners insurance rates in Illinois by an average of 27 percent, citing severe weather and rising rebuild costs. Governor Pritzker has criticized the move, questioning its justification.

Focus Of The Week: Insurers are stepping up risk avoidance efforts through science-based mitigation, advanced alert tools, and targeted fraud prevention. These moves reflect a shift toward greater precision and accountability.

Insurers are adopting science-based strategies including data-driven underwriting, improved construction standards, and parametric tools to manage growing disaster losses. In 2024, the U.S. faced 27 separate billion-dollar events, prompting a shift toward proactive risk reduction.

A lawsuit alleges that some rental property owners submitted false claims about damages or vacancies to inflate insurance payouts. The case highlights concerns about fraud in property coverage and its potential impact on loss ratios.

Reask has introduced a high-resolution tropical cyclone alert service designed for insurers and catastrophe modelers. The platform provides detailed wind-field forecasts before landfall, helping carriers better anticipate exposure and respond proactively.

*See a list of our preferred publications here.