Homeowners rate increases slow to 4.3% as insurers bank first underwriting profit in six years

AM Best says calmer first-half losses and a stabilizing reinsurance market are carrying 2025's turnaround into 2026, with carriers writing new California business again

Commercial risk teams are responding with tighter controls, scenario modeling, and broader collaboration across underwriting, claims, and cyber operations.

Leaders continue to prioritize resilience planning while balancing cost, coverage terms, and operational exposure in a changing market cycle.