- Underutilized alternative risk strategies – Captives, parametrics, and other alternative solutions remain underexplored by many clients. “If you haven’t been proactive in evaluating these options, you’re going to face significant headwinds,” Stadler warned.
- Cyber risk sophistication – Many companies purchased cyber insurance as a one-size-fits-all solution rather than tailoring it to their actual risk profile. That leaves them vulnerable as cyber claims grow more advanced.
- Casualty severity trends – The surge in mid-range claims demands more disciplined risk prevention and claims management, Stadler said.
Diverging markets call for holistic risk strategy
While property pricing is moderating, casualty is still moving sharply upward, propelled by social inflation, nuclear verdicts, and a rise in medium-severity claims in the $1 million to $20 million range, according to Stadler. He cautioned brokers and middle-market leaders against viewing these trends in isolation.