Data-driven insights on admitted P&C products and regulatory trends.
A new policy condition lets carriers and insureds demand each other's litigation funding agreements. What CG 99 11 says, which carriers adopted it, and how Kentucky, Texas, California, Illinois and other states responded.
AI is concentrating more value in each data center. How Zurich, AXA XL and Chubb are responding, and what filed builders risk wording already covers and where it stops.
Insurers keep rewriting payment-fraud coverage as criminals change how they impersonate people. FilingFocus traces the forms from bank wire fraud to deepfake scams.
Average requested homeowners rate change fell from 10.7% at the 2023 peak to 2.5% in early 2026, based on 40,000+ admitted rate filings since 2018. Carriers hit their targets; regulators did not stop 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.