We are proud to announce the latest edition of The Carrier Perspective: 2026 Claims Insights is now available to download. Based on responses to a global survey, our complimentary whitepaper offers a comprehensive overview of the carrier market, unveiling the forces shaping the insurance industry, as well as how carriers can prepare for challenges and seize opportunities in 2026.
This year’s edition draws upon responses from 250 industry leaders across North America, the United Kingdom, and Australia. From across the carrier market, including insurers, mutuals, managing general agents, and underwriting agencies, respondents held positions as C-suite executives, vice presidents, senior directors, and department heads. With diverse perspectives, our industry-leading whitepaper offers a balanced insight into today’s global insurance landscape.
Globally, the 2026 Claims Insights whitepaper revealed three key factors redefining how carriers operate, including economic pressures, workforce challenges, and accelerating technological transformations.
In North America, talent attraction and retention leads once again (18%) as the most cited top challenge, followed closely by adapting to rapid technological advancements (17%) and premium affordability and insurability (16%).
Addressing these challenges shaping the cost and claims environment, the 2026 Claims Insights whitepaper is an indispensable resource for those looking to maintain a competitive edge. Below, we have collated some of the key insights from this year’s whitepaper.
Download the complete whitepaper for more insights and actionable strategies.
Carriers shift prioritization of talent retention strategies.
In response to critical labor shortages, an ageing workforce, and skill and talent gaps, 58% of North American carriers are prioritizing sustainable investment in training and development.
Economic volatility forces carriers to recalibrate underwriting and pricing.
Escalating exposures driven by tariffs, supply-chain disruptions, regulatory constraints, and climate are influencing underwriting appetite, pricing, and coverage terms. In North America, 59% of carriers cited a shift in underwriting strategies due to trade-related cost impacts.
Litigation, social and medical inflation continue to drive claims costs.
56% of North American respondents identified medical inflation as the leading contributor to rising claims-related costs, while 49% of respondents highlighted social inflation and litigation pressures as major contributors to escalating claims severity.
Rising complexity and workforce challenges intensify cost pressures.
Nearly two-thirds of North American respondents (64%) witnessed rising claims complexity in the past 12 months. Meanwhile, 94% of respondents cited workforce challenges as a major operational constraint.
Fraud detection leads growth in Generative AI adoption.
When it comes to AI adoption for fraud detection, North American carriers are advancing faster than global usage patterns, rising 16-percentage points in 2025 compared to 9-percentage points globally.
Carriers continue to face structural challenges for Generative AI adoption.
Despite strong growth in technological advancement, North American carriers cite regulatory and compliance pressures (54%) as the most significant barrier to AI implementation.
The Carrier Perspective: 2026 Claims Insights offers further insight and solutions, empowering carriers to adapt to complexity in a changing market. Download your complimentary copy of The Carrier Perspective: 2026 Claims Insights today to discover strategies that deliver superior outcomes and build long-term resilience.
