Catastrophe-risk analysis can become misleading when climate-risk evidence, protection-gap evidence, and reinsurance-capacity evidence are treated as though they measure the same thing. Readers can consult the Climate and Catastrophe Risk Tracker, the Protection Gap Tracker, and Reinsurance Capacity…
Reinsurance capacity can be overstated when public capital figures are treated as immediately available protection. The Reinsurance Capacity Watch brings together public capital, solvency, renewal, and ILS signals, but none establishes available capacity, pricing, terms, or appetite for…
Insurance market-size numbers are useful only when the reader knows what is being measured. Gross written premium, direct premium written, paid claims, technical provisions, penetration, density, written policies, and invested assets answer different questions. They should not be…
Commercial insurance regulation is often read through the language of rules and exemptions, but the practical market question is broader: how do insurers, brokers, managing agents, and advisers show that complex cover is being distributed with clear governance,…
Swiss Re's sigma work and IAIS's NatCat protection-gap special topic edition frame natural catastrophe losses as more than a property-insurance pricing problem: the gap between economic losses and insured losses affects households, businesses, public balance sheets, reinsurers, and…
IAIS's 2025 supervisory materials connect private credit, geoeconomic fragmentation, AI adoption, Life and Health structural shifts, and asset-intensive Reinsurance into one governance question: can supervisors see how changing assets, models, and cross-border risk transfer affect insurer resilience? For…
Berkshire Hathaway Insurance Operations is an operating platform within Berkshire Hathaway Inc., not a standalone insurance carrier. Business Overview Berkshire Hathaway's insurance operations include GEICO, Berkshire Hathaway Primary Group, and Berkshire Hathaway Reinsurance Group. Together, these operations connect…
Lloyd's is a global insurance and reinsurance marketplace rather than a conventional single carrier. Business Overview Lloyd's is a marketplace for insurance and reinsurance risk, with underwriting carried out through syndicates and supported by managing agents, brokers, coverholders,…
Marsh McLennan is a global professional-services group spanning insurance broking, risk advisory, reinsurance broking, capital advisory, benefits, workforce advice, and management consulting. Business Overview The group operates through Marsh, Guy Carpenter, Mercer, and Oliver Wyman. Marsh provides insurance…
Aon is a global professional-services firm spanning commercial risk, reinsurance broking, risk capital, analytics, health, wealth, and human-capital advisory. Business Overview Aon is a broker, adviser, and professional-services firm rather than an underwriting insurance carrier. It helps clients…