Conclusion
The 2025 insurance market is stable, but that does not imply low effort. Underwriters are sharpening their lenses and expecting maturity - not just capacity demand. Firms that can articulate their risk positioning clearly - across cyber, ESG, AI, and claims readiness - are achieving the strongest terms and securing insurer confidence.
Commentary: This is not just about rate - it's about relevance. And relevance is earned through readiness.
