Contents

01
Headwinds & tailwinds abound

02
Cracks emerging behind economic strength

03
Insurers steady after profitable 2024

04
Our recommendations

05
The insurance buyer’s view

06
Digital asset opportunities fuel insurer competition

07
Property insurance market grows more competitive

08
Workers’ compensation remains a bright spot for insurers

09
Social inflation continues to threaten liability insurers

10
D&O rate reductions beginning to taper off

11
Signs of firming emerging in cyber market
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