Insurance Trending Topics

Consider writing about:

How employee actions or inaction can impact insurance claims relating to cybertheft or other cyberattacks and related damage or losses; questions that businesses should be asking about their insurance (and cybersecurity and training steps that they should be taking) with an eye toward securing coverage for cybersecurity-associated losses; examples of rulings or current court cases that address cyber-related damages involving either employee lapses or deliberate insider-driven cyberthreats; key issues in such court cases; whether there is a prevailing trend among related rulings.

Consider writing about:

Common mistakes you see organizations making in terms of insurance-related decisions or other actions. Consider whether to zero in on a specific industry, region, or behavior subset, as you examine the details and potential consequences of common errors in judgment and how they can affect insurance coverage, claims processing, and recovery results.

Consider writing about:

The use of algorithms by the insurance industry; ways in which algorithms are being harnessed by the insurance sector; how regulators are treating the industry’s use of algorithms; lawsuits over alleged algorithmic bias or outright errors on the part of insurers; types of insurance in which these problems may be most apt to occur; whether software providers or other third parties are also facing lawsuits over the insurers’ use of algorithms; related risks and best practices for insurers pertaining to their third-party relationships; how insurance companies can best anticipate or respond to regulatory or litigation pressures regarding their use of algorithmic systems.

Consider writing about:

Insurance issues pertaining to company vehicles; forms of insurance to consider when seeking coverage related to company vehicles; best practices to apply regarding use of company vehicles; common sources of conflicts between employers and their workers regarding company vehicles and insurance; how to minimize the risk of denials of insurance coverage.

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Insurance pointers for nonprofit organizations; unique risks or other concerns that may shape nonprofits’ insurance needs; any specific insurance types that nonprofits may be required to have; additional forms of coverage that may be worth consideration; common insurance-related misconceptions or oversights that nonprofits may be at risk of harboring; practical guidance on finding and vetting insurance policies and getting the most value for one’s money.

Consider writing about:

A $2.25 million settlement to be paid by Delta Dental over alleged violations of the New York State Department of Financial Services’ cybersecurity regulations; background to the alleged violations; why Delta’s incident response performance was deemed by regulators to be inadequate; what other entities can learn from this case as regards their own policies and procedures for responding to suspected breaches of sensitive information.

Related information:

https://www.dfs.ny.gov/reports_and_publications/press_releases/pr20260430

Consider writing about:

Directors and officers insurance; what companies need to know about the scope and limitations of this type of insurance; how to evaluate available forms of coverage; potential pitfalls to be aware of when assessing coverage options; significant court rulings or emerging liability risks that may increase the urgency of reviewing existing D&O coverage or changing coverage; any other noteworthy legal trends, cautionary tales, or interesting disputes involving D&O coverage.

Consider writing about:

Insurance companies’ lawsuits against automakers in the United States and Canada over policyholder claims regarding stolen cars; automakers and insurance companies involved in the lawsuits; how these thefts and lawsuits compare to each other; how auto thefts and related insurance claims have trended in recent years, and how they have affected insurance rates and availability; related issues involving manufacturer obligations and potential liability and vehicle owner responsibilities; what else vehicle owners or would-be buyers should know about vehicle anti-theft protections (or limitations), insurance policy terms, and pursuing an insurance claim.

Consider writing about:

The significance of hundreds of lawsuits being filed against State Farm regarding the insurer’s denial of payments for hail damage; overall insurance industry trends involving hailstorms; what property owners should know about available insurance coverage; exclusions, limitations, or other terms they should be paying close attention to, if they are concerned about the likelihood of hail-related damage and associated repair or replacement cost; any noteworthy actions by regulators or legislators regarding the insurance industry’s handling of hail-related insurance claims.

Related information:

https://www.npr.org/2026/04/28/nx-s1-5793997/state-farm-home-insurance-hail-climate-change

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Noteworthy AI-related developments involving the insurance industry. Consider whether to look at new or evolving forms of insurance coverage, insurers’ response to AI-related risks, or AI-related concerns that insurers or policyholders are bringing to you. What issues pertaining to AI and insurance are attracting the scrutiny of legislators, regulators, or other decisionmakers, and what are the key needs or risks involving artificial intelligence that either insureds or insurance companies are – or should be – paying attention to right now? What are the main sources of tension between insurance companies and policyholders as regards coverage for AI-related claims? What are policyholders’ options when seeking to maximize recovery for AI-related losses?

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Mergers and acquisitions within the insurance industry. How is dealmaking trending in this sector so far this year, and how does it compare to last year (in terms of the first quarter only, or 2025 as a whole)? What factors are driving M&A interest these days? How are regulators responding to the industry’s M&A plans, and what can prospective dealmakers do to increase their chances of success on this front? What continuing or emerging risk areas should parties to an M&A deal be especially vigilant about at this point in time, especially given the persistence of so many volatile issues (immigration, artificial intelligence, international trade, etc.)?

Consider writing about:

Insurance issues that should be on the radar of startup companies or inexperienced business owners (whether broadly speaking, or in a specific industry or region of your choice); immediate priorities to address or common pitfalls or blind spots to be aware of; conversely, how to play “catch up” (and/or undertake damage control) after the fact on insurance-related matters; how to find and vet insurance providers; what to look for in insurance policies; how to negotiate more favorable terms (and where one should or should not try cutting insurance costs).

Consider writing about:

Insurance priorities and related issues for businesses affected by the international turmoil involving Iran; what affected entities should be doing right now, in terms of reviewing or updating existing policies, feasibility of acquiring new or additional coverage, and having discussions with their insurers; what to know about political risk coverage and war risk coverage, related pricing adjustment and cancellation clauses, and insurers’ rights to cancel coverage; any government resources that may be available to cover insureds’ evolving needs during a time of crisis; what insureds may learn from the Iran situation in terms of any deficiencies in their insurance coverage.

Related information:

https://www.cbsnews.com/news/trump-dfc-persian-gulf-ship-insurance-iran-war

Consider writing about:

Representations and warranties insurance; purpose of this type of insurance; how it compares to other insurance types; what to consider when choosing this form of coverage; how to maximize the value of a representations and warranties insurance policy; trends involving this insurance type’s availability, pricing, and use; any noteworthy litigation over R&W insurance claims or cautionary tales involving representations and warranties insurance.

Consider writing about:

The continuing problem of ransomware attacks, and related insurance issues; under what circumstances losses stemming from ransomware attacks may (or may not) be covered by insurance; types of insurance policies most likely to cover ransomware attacks; noteworthy ransomware attacks that may help illustrate the pros and cons of different forms of insurance against these types of incidents; related litigation, rulings, or settlements; what policyholders who want to minimize the damage from a potential ransomware attack should be looking for when assessing insurance policies, and questions they should be asking of insurance companies; how the insurance industry is responding to ransomware attacks, how would-be policyholders’ coverage options may be changing, and how policyholders’ obligations or best practices may be evolving, partly as a result of insurance industry pressures and expectations.

Consider writing about:

A recent flurry of ERISA-related lawsuits over voluntary benefit plans; what to know about key allegations made against plan sponsors; under what conditions voluntary benefit plans must comply with ERISA; related exemptions; what else other entities should know about these recent lawsuits, and how they should be viewing their own activities, fiduciary duties, and potential risk areas in light of this litigation.

Consider writing about:

A recent series of opinions issued by a federal judge in the Eastern District of Pennsylvania in an insurance dispute involving opioid-related claims against pharmaceutical company Endo International; what to know about the insurance policies and exclusions at issue in this dispute; what Judge Chad F. Kenney’s rulings mean for Endo and for Chubb Ltd. and Travelers Cos.; potential practical takeaways for other insureds or insurance companies.

Consider writing about:

A class action lawsuit filed against Cigna in Connecticut federal court last month over a data breach involving a vendor; whom the data breach is thought to have affected; alleged harms from the incident; practical takeaways from this lawsuit regarding data security, third-party risks, breach responses, communication with affected parties, and more.