Emerging risk in the UK insurance context encompasses new or evolving exposures such as climate transition risk, supply‑chain fragility, AI liability, geopolitical instability, and shifting litigation behaviour that are not yet fully captured in historic data or traditional models. Risk, underwriting, and strategy teams collaborate to identify and monitor these developments through horizon scanning, scenario analysis, and pilot products, aiming to protect the balance sheet while creating new, relevant propositions for clients in a rapidly changing environment.
MGAA CEO Michael Keating on why growth alone is no longer the story, and how technology, talent and a maturing FCA relationship are reshaping what sustainable success looks like
More compliance changes are coming in 2026 and 2028, and a quarter of landlords are already weighing an exit - brokers have a genuine window to fill the gap
As loss adjuster submissions decline, insurers are pricing emerging risks like lithium-ion battery fires with an increasingly incomplete picture
Understanding tomorrow’s risk requires something new
AXA's Matt Briggs discusses the emerging risks reshaping commercial property insurance, from lithium-ion batteries and net zero retrofits to climate change and what underwriters look for in a well-managed risk
