Capital adequacy reflects whether a UK insurer holds sufficient regulatory and economic capital to absorb losses and continue meeting its obligations, as measured through solvency ratios, internal models, and stress and scenario testing. Boards, CROs, and CFOs rely on forward‑looking assessments and ORSA outputs to judge capital strength under different business plans and stress events, using levers such as reinsurance, portfolio mix, and balance‑sheet actions to maintain resilience in line with Solvency II and PRA expectations.
Most ratings endure severe climate losses, weaker diversification raises strain
Recent geopolitical developments have brought renewed attention to the environment in which this growth is unfolding
The club enters the 2026 policy year with higher retention, stronger earnings and capital
Company is targeting close to 140 million GT over this policy year
Insurers are revisiting balance sheet strategies amid economic headwinds, with implications for brokers and risk managers
