A widening gap between what coastal policies cover and what rising seas destroy places the renewal conversation at the centre of broker liability risk
Roxanne Libatique Sep 10, 2026
Specialist brokers operating in regional farm markets face structural competition as direct insurers embed permanent staff in contested territories
Rising theft frequency, unreformed civil liability law, and an unequal stamp duty regime are compressing margins and limiting placement options
The regulator says it has engaged with the liquidator, as client obligations come back into focus for authorised representatives
A verified mitigation scheme covering half the home insurance market creates a premium gap between prepared and unprepared properties in the same postcode
Broker submission quality is becoming the deciding factor in CAR placements regardless of where pricing sits
The failures are not spread evenly across time - more than 65% occur in clusters, often after sustained periods of calm, and most of the policyholders affected outside North America had no compensation scheme to fall back on
Fire Service rules the Tungatinah blaze accidental, shifting attention to quantum, subrogation and business interruption
If it does happen, brokers want a cessation date and a refund rule settled before the switch, not after the levy disappears
How brokers can protect themselves and clients as environmental exposures reshape the risk landscape
