At the start of 2026, we asked some of our experts to share the key trends they see shaping the insurance market this year. Alice Boreman, Jordan Gregg, Stephen Moore and Deanne Rogers offer their predictions and perspective on what could be coming next.
In a softening market cycle, data and technology promise to enhance both the precision and the speed of decision‑making. The open question is whether these advances will truly reshape the depth and duration of the cycle, or whether familiar behavioural patterns will simply play out once again.
As rates continue to tighten in 2026, delivering exceptional service may be critical for brokers to gain the edge in balancing profitability and time.
We expect to see continued rate softening and intense competition into 2026, but our focus will be on working with capacity providers to widen appetites to help us give specialist underwriting services to our broker clients.