AM Best: US D&O Liability Market – Prioritizing Long-Term Profitability Amid Competition, Emerging Risks

AM Best Director David Blades and Senior Industry Research Analyst Chris Graham discuss a new Best's Commentary that finds by year-end 2025, the D&O liability market appeared to be moving toward more modest downward premium adjustments, on average.

Enforcing the use of secure photo technology and maintaining "a human in the loop" are among the strategies proving to be effective at deterring claims fraud, said Dustin Lemick, CEO, BriteCo.

 In his book “Guardians of Uncertainty: The Making of Influential Risk Managers in the Modern World,” Ernest Legrand, co-founder and chief product officer, MAPTYCS, discusses how risk-focused leaders navigate uncertainty to drive resilience and long-term strategic value.

BestWire Senior Associate Editor Terrence Dopp discusses his recent article explaining how life insurers are seeing paid family and medical leave insurance as a growth opportunity as more U.S. states begin mandating coverage. 

Montclair State University Assistant Professor Abena Owusu discusses her co-authored study on how insurers can use machine learning to improve risk culture and oversight.

Christopher Westfall discusses how his podcast, Risky Science, brings together researchers, investors and insurers to unpack the science, data, and real-world impact of risk models that shape markets, public policy and emerging threats.

Senior Associate Editor Renee Kiriluk-Hill discusses her recent BestWire story highlighting how Florida’s largest personal auto insurers are cutting rates and issuing dividends to policyholders, driven by improved underwriting results, changing driving patterns, and landmark tort reform that has helped stabilize the market.

AM Best News Editor David Pilla discusses reinsurers’ strong 2025 results, driven by underwriting gains and low catastrophe losses, even as softening pricing pressures revenue.

AM Best Director Joseph Zazzera discusses a new Best's Market Segment Report that finds strong health segment financial flexibility and capitalization despite major operating performance concerns.

Wild Horse Fire Brigade Founder and Executive Director William Simpson, an ethologist, discusses how super-hot wildfires create novel toxins, driving health and property risks, and why insurers must rethink prevention and modeling strategies.