Premiums are one problem. Reach is another. Every time you add regulatory complexity, someone pays and usually it is the client - says Richard Klipin, NIBA's CEO
Richard Klipin Sep 09, 2026
A 1% chance of contamination can leave the client funding the whole clean-up - and the broker's paperwork in front of a court
Nearly four years of no final investment decisions, then five in four months and brokers cannot retrofit resilience
Its ads reached over a billion views - and hid that only one company sold every policy
Embedded distribution now competes directly with broker channels for a motor segment where non-disclosure risk and regulatory minimum standards are both rising
When clients engage unvetted contractors before lodging a claim, the coverage, the settlement timeline, and the broker's conduct record are all at risk
Premium increases in levee-protected areas reveal that risk reduction and cost reduction are not the same outcome, and the gap between them falls directly on policyholders and brokers.
The insurer's vendor-agnostic hub is already live in five entities, with AXA XL among those building claims and email applications
Joint community campaigns between brokers at separate firms are emerging, but award eligibility criteria written for individuals leave the format without formal standing
How brokers can protect themselves and clients as environmental exposures reshape the risk landscape
