Insurance Journal

Black Vultures Spreading North, Attacking and Killing Cattle

Allan Bryant scans the sky as he watches over a minutes-old calf huddled under a tree line with its mother. After a few failed tries, the calf stands on wobbly legs for the first time, looking to nurse. Above, a …

Posted: Nov 03, 2025

Don’t Look Now, But Citizens Is No Longer the Largest Property Insurer in Florida

Citizens Property Insurance Corp., the state-created insurer of last resort, is no longer the largest carrier in Florida. It’s a significant milestone in the push for a more stable, market-based insurance market. Citizens’ leadership anno...

Posted: Nov 03, 2025

Judge Dismisses Texas Challenge to New York Abortion Shield Law

A New York judge dismissed a legal challenge Friday from Texas seeking to enforce a more than $100,000 civil judgment against a doctor accused of prescribing abortion pills to a Dallas-area woman in an early test of the state’s “shield &#...

Posted: Nov 03, 2025

‘I Thought I Had Died,’ Testifies Teacher Shot by 6-Year-Old Student

A former Virginia teacher who was shot by a 6-year-old student in her classroom in 2023 testified Thursday that she thought she had died that day. Abby Zwerner testified in her $40 million lawsuit filed against a former assistant principal …

Posted: Nov 03, 2025

6 in 10 Construction Workers Report Anxiety, Depression in Past Year

Nearly two-thirds of construction workers reported experiencing anxiety or depression in the past 12 months, according to a new survey by design-build firm Clayco. Sixty-four percent of the more than 1,000 construction workers surveyed said they felt...

Posted: Nov 03, 2025

LP Expands into Oregon With Acquisition of Mountain West

LP Insurance Services is expanding into Oregon with the acquisition of Mountain West Insurance Services Inc., based in Salem. The Salem team will continue serving clients throughout the Willamette Valley and beyond. The new LP Insurance Salem office...

Posted: Nov 03, 2025

San Francisco Mayor Proposes Denser Housing to Tackle Affordability Crisis

San Francisco Mayor Daniel Lurie is trying to get more homes built for people like Liam Murphy: a fifth-generation city kid who found himself repeatedly outbid for tiny two-bedroom houses that wound up selling for $1.6 million. Murphy, 39, now &#8230...

Posted: Nov 03, 2025

NTSB Agrees With Requiring Inspections of 2,000 Learjets After Arizona Crash

The National Transportation Safety Board wants the owners of nearly 2,000 Learjets—which have long been associated with the rich and famous—to urgently inspect their landing gear to make sure they won’t collapse as happened in a fatal crash in...

Posted: Nov 03, 2025

8 Auto Insurance Providers to Pay $19M Over Data Breaches

New York State is securing more than $19 million in penalties from eight auto insurance providers for violations of the state’s cybersecurity regulation. Department of Financial Services (DFS) Superintendent Adrienne A. Harris said that inadequ...

Posted: Nov 02, 2025

TDI Drafts New Rule Requiring Appraisal Provision

By Ezra Amacher The Texas Department of Insurance recently published an informal draft of rules that would implement a new law requiring all personal auto and residential property insurance policies to include a binding appraisal provision. Texas law...

Posted: Nov 02, 2025

Mississippi Supreme Court Won’t Budge on $15 Million Bad-Faith Decision Against USAA

The Mississippi Supreme Court in October declined to reconsider its 2024 decision to uphold almost $15 million in punitive damages and attorney fees against USAA in one of the longest-running claims disputes to come out of Hurricane Katrina. The cour...

Posted: Nov 02, 2025

How to Prepare Your Insurance Agency for Sale — Before You Announce Your Intent

Follow these five steps to secure a smoother deal and a stronger valuation. Selling your insurance agency is one of the most significant decisions of your career. While your eye may be set on the final prize, the real work …

Posted: Nov 02, 2025

Practical Licensing Challenges & Solutions for Producers, Brokers, Adjusters & Other Intermediaries

Anyone in the insurance brokerage world generally knows the three magic words that require an insurance producer license: the “sale,” “solicitation,” or “negotiation” of insurance. For too many, this is the end of...

Posted: Nov 02, 2025

Are PFAS the New Asbestos? How Insurers and Businesses Can Get Ahead of the Forever Chemical Risk

Perfluoroalkyl or polyfluoroalkyl substances (PFAS), the synthetic “forever chemicals” found in everything from firefighting foam to food packaging, are shaping up to be one of the most urgent emerging risks facing the insurance industry....

Posted: Nov 02, 2025

The Future of Independent Agents: Added Client Value Through Bolt-on Services

Independent insurance agents face a crossroads. Traditional insurance products such as auto, home, renters, and even small commercial are becoming increasingly commoditized. Carriers streamline offerings to keep premiums competitive, and direct-to-co...

Posted: Nov 02, 2025

Helping Customers Manage Increasing Medical Inflation

Medical inflation is reshaping the workers’ compensation marketplace, driving up claim costs, and challenging traditional care models. As economic pressures mount and workforce demographics shift, independent insurance agents and their customer...

Posted: Nov 02, 2025

New Cargo Theft Tactics Driving Claims

Cargo theft losses are also driving up costs for truckers. According to data from Verisk CargoNet, cargo theft surged 27% in 2024. The National Insurance Crime Bureau predicts a further 22% increase in 2025, driven by criminal profitability, advanced...

Posted: Nov 02, 2025

Rates in Review

Global commercial insurance rates during the third quarter decreased 4%–driven by property–which follows a 4% decline in Q2 2025, said John Doyle, president and CEO of Marsh McLennan, quoting Marsh’s Global Insurance Market Index, w...

Posted: Nov 02, 2025

Truckers Seek Detours Around Rising Costs and Litigation; Tort Reform, Safety Tech, Claims Control S...

By Andrea Wells The COVID-era boom in trucking is definitely over. The trucking sector is experiencing one of its most challenging times, with trucking operators’ profitability dropping across all sectors, total costs continuing to rise, and fr...

Posted: Nov 02, 2025

An Unsustainable Trend – Declining P/C Rates and Rising Cost of Risk: Marsh’s John Doyle

By L.S. Howard Property/casualty prices are declining, while the cost of risk continues to rise–a trend that is unsustainable over time, according to John Doyle, president and chief executive officer of Marsh McLennan (MMC). Nevertheless, witho...

Posted: Nov 02, 2025

Insurance Turns to AI as a Critical Enabler to Boost Agility

Insurance is being shaken by a trio of climate- and economy-driven challenges; severe natural disasters, inflation, and high interest rates have driven withdrawals and nonrenewals–leaving both agents and policyholders scrambling. Alongside this...

Posted: Nov 02, 2025

Workers’ Comp Continues to Lead P/C industry With Strong Profits

Although economic uncertainty could affect insurers in the near to midterm, workers’ compensation continues to be a key driver of the profitability of the entire property/casualty insurance industry even as prices for the line are falling, acco...

Posted: Nov 02, 2025

Critical Thinking

The recent news that Acrisure would be laying off about 400 employees in early 2026 in its accounting workforce due to advances in technology and artificial intelligence rattled a few nerves. It’s not surprising that advances in AI tools might...

Posted: Nov 02, 2025

End of the Road for Traditional Insurance?

Is traditional insurance an outdated and unaffordable risk management strategy? Essentially, the answer is yes. Traditional insurance is a dying tool on many levels. I’ll probably get a thousand readers arguing that I’m wrong, citing the...

Posted: Nov 02, 2025

Melissa Jamaica Damage Seen Costing Insurers Up to $3 Billion

The wreckage caused by Hurricane Melissa in Jamaica is expected to cost insurers $1 billion to $3 billion, according to property intelligence company Cotality. The insured losses are a fraction of the total property damage, which Cotality estimates a...

Posted: Oct 31, 2025