Data-driven insights on admitted P&C products and regulatory trends.
Based on more than 40,000 admitted homeowners rate filings since 2018, the average requested rate change has fallen from 10.7% at the 2023 peak to 2.5% in the first half of 2026. It happened because carriers hit their targets, not because regulators stopped them.
An admitted-market retrospective on how ransomware grew out of Cyber Extortion coverage, then diverged into its own peril class with sublimits, coinsurance, exclusions, and separate rating logic.
AI liability language is picking up in admitted policy forms. The early pattern: exclusions lead, and affirmative coverage is slow to develop.