Market Conditions and Rate Predictions
Key Takeaways
Rate Movements:
Underwriter Focus:
Oversight of group structures and run-off liabilities.
Resilience of reinsurance strategy and counterparty risk management.
Policyholder conduct, particularly in distribution-heavy models
Increased concern around board-level ESG governance and AI adoption.
Market Dynamics:
North America
Rate
Primary & Excess:
0% to +5%
Great Britain
–7.5% to –12.5%
Established insurers remain cautious; growth-focused carriers are targeting well-governed insurance firms with clean claims histories.
Cyber capacity continues to expand, with the CyXS Facility offering limits up to USD/GBP 75 million for excess programs.
Broader insurer participation is conditional on transparency and operational maturity.
