Contents


01

Headwinds & tailwinds abound

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02

Cracks emerging behind economic strength

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03

Insurers steady after profitable 2024

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04

Our recommendations

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05

The insurance buyer’s view

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06

Digital asset opportunities fuel insurer competition

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07

Property insurance market grows more competitive

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08

Workers’ compensation remains a bright spot for insurers

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09

Social inflation continues to threaten liability insurers

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10

D&O rate reductions beginning to taper off

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11

Signs of firming emerging in cyber market

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Contributors


Vince Gaffigan, Director of Risk Consulting

Greg Spore, U.S. Markets Leader, Professional and Executive Risk

Michael Andler, Property Practice Leader

Devin Beresheim, Specialty Practices Leader

Michelle Faylo, Cyber and Technology Leader

Sarah Downey, Global Blockchain & Digital Assets Advisory Leader

Brandi Underhill, Technical Intelligence and Emerging Risks Practice Leader

Steve Cohen, Senior Client Manager, Professional and Executive Risk

Brent Slotoroff, Senior Client Manager, Professional and Executive Risk

Emily Apostolides, Co-Head, Casualty and Financial Lines Segment, Lockton Re

Mark Braithwaite, Co-Head, Casualty and Financial Lines Segment, Lockton Re

Jeff Fleming, Co-Head, Property Segment, Lockton Re

Justin Lorence, Co-Head, Property Segment, Lockton Re

Editor


Anand Poola, Content Director, Property & Casualty

Contents

© 2025 Lockton Companies. All rights reserved.

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