RISK RADAR · BUSINESS LINE
Property and catastrophe
Strategic risks that hit property and catastrophe: homes, commercial property, natural catastrophe, business interruption.
ARGUS’S READING Rising · Reported European weather-cover withdrawal adds insurability pressure, while French riots produce correlated claims.
Property and catastropheCasualty and liabilityMotorMarine, aviation and transportEnergy, engineering and constructionCredit, surety and political riskCyberAgricultureLife, annuities and pensionsHealth and medicalWhole industry
1–3 yrsBusiness model
French Riots Seen as Insurance Test Before New Regime Kicks In ↗
French riot cover is tested before a state-backed regime changes who carries civil-unrest losses.
1–3 yrsClaims and pricing
Arbol launches parametric insurance for gov-imposed data center construction moratoriums ↗
Parametric cover for government moratoria signals a new policy-driven risk for data-centre builds.
NowClaims and pricing
Unrest in France underlines cat-like risks of riots and civil commotion: Morningstar DBRS ↗
French riot damage shows catastrophe-like aggregation of civil-unrest losses across correlated property portfolios.
1–3 yrsBusiness model
Sustainable Insurance Strategy ↗
California's Sustainable Insurance Strategy reshapes wildfire-exposed property pricing and writing, changing insurers' business models.
NowClaims and pricing
California protects families from hidden smoke damage after wildfires ↗
California action on hidden wildfire smoke damage may widen property claim obligations.
NowClaims and pricing
PERILS puts initial insured loss from August storm Raphaela at €3.3bn
Record-scale European storm losses show severe convective storm severity hitting property and motor books now.
NowClaims and pricing
Lockton warns of physical loss exclusions after French supermarket cyberattack ↗
Cyber-triggered refrigeration losses prompt physical-loss exclusions, a silent-cyber gap for property cover.
1–3 yrsClaims and pricing
Europe’s shifting flood losses expose new accumulation risks: Gallagher Re ↗
Shifting European flood losses expose new accumulation risks for property catastrophe books.
NowClaims and pricing
Europe's Insurers Cut Coverage of Weather Losses, Report Says ↗
Insurers narrowing weather-loss cover widens Europe's protection gap for property writers.
1–3 yrsBusiness model
France’s riot losses put insurance cover and state recovery in focus ↗
Mandatory riot cover in France reshapes who carries civil-unrest losses and how insurers price them.
NowClaims and pricing
Home Insurance premiums fall but claims cost cloud outlook ↗
Falling premiums meet rising claims costs, squeezing property underwriting margins.
NowBusiness model
Tampa homeowner drops property insurance after rates soar, joins growing trend of 'going bare' ↗
Homeowners dropping cover after rate rises signals a growing protection gap for property insurers.
NowClaims and pricing
Insurers receive 897 initial flood claims across Istanbul and three other provinces
Heavy flooding in a city where only 17-20% of property is insured signals a wide protection gap.
NowClaims and pricing
As destructive wildfires grow, Western states face a home insurance crisis • Nevada Current ↗
Growing wildfire losses are making home cover harder to write across Western US states.
NowClaims and pricing
850,000 British Columbians practice for the Big One as quake insurance gap persists ↗
Half of BC homeowners lack earthquake cover, leaving a large uninsured quake exposure.
NowClaims and pricing
850,000 British Columbians practise for the Big One as quake insurance gap persists ↗
Half of BC homeowners lack earthquake cover, leaving a large uninsured quake exposure.
NowCapital
Munich Re says traditional reinsurance capital is almost four times alternative capital
Munich Re says abundant traditional capital and benign loss years invite complacency, a capacity signal for property reinsurers.
NowClaims and pricing
Brokers say cyber policies typically do not cover physical losses such as those from the French supermarket fridge hack
Cyber-triggered physical damage sits outside typical cyber cover, exposing a gap between cyber and property wordings.
NowClaims and pricing
A Risk in Flux: Exploring Europe's Changing Flood Reality for Insurers ↗
Shifting European flood risk is changing how insurers must price property flood exposure.
NowBusiness model
Over 200 homeowners in Klickitat County lost insurance last year, data shows ↗
Homeowners losing cover in one county signals insurers pulling back from exposed markets.