Health Care Industry Trends to Watch in 2026

Health care organizations enter 2026 facing numerous operational, financial and liability pressures, including labor shortages, inflation, supply chain volatility and the impact of U.S. tariffs on pharmaceutical imports. Although the commercial insurance market has generally softened, several segments remain affected by persistent loss severity and loss control challenges. In particular, social inflation and large liability…

Retail Industry Trends to Watch in 2026

Retailers continue to operate amid a dynamic risk landscape. Loss drivers are increasingly severity-driven and include organized crime rings, cargo theft, ransomware incidents and catastrophe-driven business interruptions. Although the commercial market as a whole has seen softening conditions, specific segments (e.g., casualty and umbrella/excess) remain firm. As such, retailers with higher physical crime exposure, hazardous…