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Q1 2026 broke a 33-quarter rate streak. It also broke the cover for rate gaps.
Commercial rates fell for the first time since 2017. The rate gap underneath didn’t get any bigger. It just stopped…
Vendor consulting divisions and in-house teams were never sized for a constant backlog of custom work
Both channels were built to handle an occasional custom request. The requests became constant instead. Large-scale core system replacements fail…
Lloyd’s underlying combined ratio rose 2.7 points in 2025. The headline number said the opposite.
Averaging a book together is exactly what makes a deteriorating segment disappear from the number everyone actually watches. Commercial auto…