Softer conditions may be easing placement, but long-tail injury exposure continues to shape underwriting outcomes
Moody’s analysts warn growing exposure is creating new challenges for insurers
Early assumptions around simplicity and alignment are exposing structural weaknesses in financial lines and cyber programmes
Early signs are emerging in underwriting and placement, but affordability and insurability remain the key pressure points
Insolvencies are exposing how cover responds to financial distress, with disputes emerging over wording and scope
Legal variation, market maturity and local expectations continue to influence outcomes across Central and Eastern Europe
Communication, clarity and collaboration underpin outcomes as global claims grow more complex
Greater scrutiny, shifting risk and regulatory pressure are reshaping how multinational programmes are built and managed
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