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Litigation Funding Disclosure Reaches Seven States in 2026

Seven states covering 22% of U.S. tort volume now require TPLF disclosure. The actuarial case for segmenting funded vs. unfunded severity development before the baseline window closes.

By Sarah · 11 min read · May 29

P&C Insurance

P&C Claims Severity Faces a Four-Factor Compounding Problem in 2026

Four severity drivers hit P&C claims simultaneously in 2026: tariffs, social inflation, ADAS repair complexity, and construction costs. Additive trend models understate the compounding effect.

By Sarah · 14 min · May 29

P&C Insurance

Fully Automated Claims Decisions Draw Regulatory Pushback as States Rewrite the Rules

State unfair claims settlement acts require reasonable investigation before denial. Regulators and courts are testing whether AI algorithms satisfy that standard as STP rates approach 70%.

By Sarah · 13 min · May 29

P&C Insurance

NCCI Employment Surge Raises New-Worker Frequency Risk for WC Pricing

NCCI data shows employment growth surging to 76,000 jobs per month while WC frequency decline slows to 2%. How the new-worker effect threatens a decade of loss cost reductions.

By Sarah · 8 min · May 29

P&C Insurance

Three P&C Vendors Race to Own the Embedded AI Layer in 2026

Guidewire, Duck Creek, and Verisk launched competing AI products within six weeks. Comparing architectures, monetization models, and lock-in dynamics across P&C's embedded AI race.

By Shruti · 13 min · May 29

On the Wire May 30

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Earnings Pulse Latest P&C carrier filings · Q1 2026

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This week Six of the top ten personal-lines carriers reported Q1 results. Combined ratios improved 280 bps on average vs. PY, with auto leading and homeowners still drag-heavy on SCS losses.

Progressive

86.2CR

3.4pt vs PY

Q1 2026

Allstate

94.8CR

5.1pt vs PY

Q1 2026

Travelers

92.1CR

1.8pt vs PY

Q1 2026