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In a state prone to SCS, wind, floods and freezes, carriers are still fighting for market share. -
The finance committee discussed shifting market dynamics as tort reform takes effect.
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The commissioner said more work needs to be done, but big companies are interested in coming back.
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Los Angeles wildfires and SCS pushed US losses to $89bn.
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The proposal says oil companies cause climate change and, thus, increased cat losses.
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The outlook flags “large uncertainties” amid possible El Niño through summer 2026.
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MGAs going public is now a viable option, but dominating a market comes first.
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The highest portion of losses was experienced in Alberta.
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Admitted carriers on the other hand are still exercising caution as regulatory reforms take hold.
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An “extraordinary” proportion of storms reached Category 5 status this year.
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Many carriers are still pricing above technical rate, but could reassess their strategies after Q1.
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Light cat losses at year-end portend capital deployment and return decisions in 2026.
