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Risk Strategies Releases State of the Insurance Market 2025 Outlook

Risk Strategies Releases State of the Insurance Market 2025 Outlook

Risk Strategies has officially released its much-anticipated State of the Insurance Market 2025 Outlook report, offering businesses and individuals critical insights into the evolving dynamics of the global insurance landscape. Published last week, the report draws on the expertise of Risk Strategies’ specialists across numerous industries and product lines, providing a deep dive into the challenges and opportunities ahead.

Key Highlights From the 2025 Outlook

The State of the Insurance Market 2025 report paints a complex but promising picture of the insurance environment. After several years of rising rates, stabilization is beginning to emerge in several lines, such as property, cyber, and management liability. However, some sectors — most notably casualty and homeowners — remain mired in a hard market. The employee benefits landscape also faces pressures, particularly from the ongoing rise in pharmacy costs.

Despite the complexities, Risk Strategies emphasizes that opportunities for innovation and strategic growth are abundant for those who stay agile, data-driven, and proactive.

Top Market Challenges

  • Natural disasters: Climate-related events like wildfires, hurricanes, and floods continue to increase in severity and frequency, significantly impacting property insurers. The Los Angeles wildfires serve as a stark example of the growing risks.
  • Social inflation: Escalating claims costs, fueled by nuclear verdicts and rising litigation expenses, are straining casualty and liability lines.
  • Emerging risks: New technologies, especially artificial intelligence (AI), introduce fresh vulnerabilities, while geopolitical tensions add layers of uncertainty for global insurers.
  • Regional variations: Although U.S. insurance rates are relatively flat overall, property lines reveal mixed trends, with some areas seeing rate relief and others, particularly catastrophe-prone regions, facing premium hikes.

Strategic Recommendations

Risk Strategies offers several essential recommendations for businesses and individuals looking to strengthen their resilience:

  • Acknowledge systemic risk complexities: Understanding that risks can evolve over time and arise from both internal and external sources is vital for effective risk mitigation.
  • Integrate insurance into strategic planning: Treat insurance as a core component of business strategy rather than a routine purchase.
  • Align coverage with long-term goals: Evaluate insurance options that directly support your broader business objectives to ensure longevity and adaptability.
  • Partner with a specialized insurance broker: Collaborating with a broker who has deep industry knowledge ensures tailored solutions and a stronger foundation for your organization.

Industries Covered in the 2025 Outlook

The report provides in-depth insights and projections across a wide range of industries, including:

  • Agriculture
  • Architects & Engineers
  • Aviation
  • Cannabis
  • Dental
  • Education
  • Entertainment
  • Fine Art
  • Healthcare
  • Law Firms
  • Marine
  • Nonprofit & Human Services
  • Private Equity
  • Real Estate
  • Relocation
  • Transportation
  • Waste & Recycling
  • Wineries
Take a look at the full report here. Stay informed and ahead of the curve — explore more industry insights and program opportunities at ProgramBusiness.com.
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USG Announces Hire of William Morgan in Denver, CO

USG Announces Hire of William Morgan in Denver, CO

USG Insurance Services, Inc., a prominent national wholesaler and MGA, proudly announces the addition of William Morgan as Associate Broker in its growing Brokerage Division. Morgan will work under the leadership of Mitchel Zelman, National Director of the Brokerage Division. With a dynamic background in strategic communications and a diverse range of experience across the insurance, logistics, and digital marketing industries, Morgan brings a fresh perspective and proven expertise to the team. Prior to joining USG, he was a Broker at Risk Transfer Partners, where he focused on Property and Casualty placements and delivered client-centric solutions. With a degree from Ohio State University, Morgan brings a well-rounded foundation to his role, complemented by licenses in Property and Casualty and Life and Health insurance. He also holds a Certified Transportation Broker designation, underscoring his specialized industry expertise. USG is excited to welcome Morgan to the team as the company continues strengthening its position as a leader in the wholesale insurance space. This move is the most recent change that USG has implemented in its plan to expand its operations nationally as a leading wholesaler brokerage firm. ABOUT USG: USG is a national wholesale broker and managing general agent (MGA) with offices throughout the country. USG represents 300+ A rated carriers, both admitted and non-admitted and is an MGA for multiple top carriers, writing business in all states. USG's mission is to become the #1 provider of innovative solutions for the risk management industry--exceeding expectations with its advanced technology, creative problem solving, and research capabilities. Get the latest insurance market updates and discover exclusive program opportunities at ProgramBusiness.com
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AAU Announces Hire of Kristine Pelletier in Kissimmee, FL

AAU Announces Hire of Kristine Pelletier in Kissimmee, FL

Allied American Underwriters (AAU), a division of USG Insurance Services, Inc., is excited to announce the newest addition to its Personal Lines team, Kristine Pelletier, Associate Producer/Broker. With over a decade of personal lines underwriting experience, Kristine is a powerhouse in the insurance world. She previously assisted with managing a profitable book at Braishfield Associates, where she earned a reputation for delivering smart, tailored risk solutions and top-tier service to agents and insureds alike. Pelletier holds a 4-40 Certified Professional Service Representative license and a degree in Criminal Justice, bringing not only technical expertise but also a cool, client-first mindset and a sharp eye for solving complex coverage needs. Pelletier’s arrival strengthens AAU’s growing Personal Lines division and marks another step forward in USG’s commitment to investing in top talent and industry-leading service. This move is the most recent change AAU has implemented in its plan to expand operations nationwide and continue providing innovative solutions for the risk management industry. About AAU Allied American Underwriters (AAU) is a program manager that offers programs for commercial lines to USG retail agents and other distribution channels i.e.: wholesale and direct. There are six divisions: Workers Compensation, Environmental, Programs, Specialty, Personal Lines, and Commercial Surety. AAU is a division of USG Insurance Services, Inc. Stay informed and ahead of the curve — explore more industry insights and program opportunities at ProgramBusiness.com.
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SAN Group Honors Top Member Agencies With 2025 Awards of Excellence

SAN Group Honors Top Member Agencies With 2025 Awards of Excellence

Satellite Agency Network Group, Inc. (SAN), the largest alliance of independent insurance agencies in the Northeast, celebrated the achievements of its top-performing member agencies with the 2025 SAN Awards of Excellence, recognizing performance during 2024. The awards were presented during SAN’s Annual Business Meeting & Conference, held on April 11, 2025, at Mohegan Sun in Uncasville, Connecticut. These prestigious accolades honor agencies for excellence in profitability, strategic growth, and overall performance within the independent insurance channel.

SAN President’s Club Award

The J. Williams Insurance Agency of Braintree, MA, received the distinguished SAN President’s Club Award—one of SAN Group’s highest honors. SAN President Larry Rose presented the award to agency principal Jonathan Williams in recognition of the agency’s exceptional growth, operational excellence, and overall achievement.

Peak Performer Awards

Three agencies were recognized with Peak Performer Awards for achieving high profitability with SAN’s strategic partner carriers in 2024, coupled with strong business performance. This year’s recipients are:
  • Valentine Insurance Agency – Catskill, NY
  • HMS Agency – Albany, NY
  • Ell Insurance – Du Bois, PA

Mountain Climber Awards

The Mountain Climber Awards honor new agencies that achieved key premium milestones within their first 12 or 36 months of SAN membership.

Mountain Climber Awards • 3-Year Achievement

  • Koch Protect – Littleton, MA
  • Kader Insurance Agency – East Berlin, CT
  • ASK Insurance – Stratford, CT
  • Wright Insurance Agency – South Yarmouth, MA
  • Schiappa Insurance Agency – Cranston, RI
  • L&Q Insurance Agency – Newton, MA
  • LaFrance Insurance – Hopkinton, MA

Mountain Climber Awards • 1-Year Achievement

  • Hilltown Insurance Agency – Oxford, MA
  • The Answer Insurance Agency – Rochester, NY
  • Safeshield Insurance – Stamford, CT
  • MTZ Insurance – Methuen, MA
  • Mo’s Insurance – Cheektowaga, NY
“These award-winning agencies represent the best of what it means to be part of SAN,” said Tom Lizotte, Chief Operating Officer of SAN Group. “Their entrepreneurial drive, client-first mindset and strategic execution are the foundation of our alliance’s ongoing success. We’re proud to honor their accomplishments and excited to support their continued growth.” The SAN Awards of Excellence are based on agency performance, profitable growth, and the strength of carrier partnerships—highlighting results that align with strategic carrier goals and contribute to a quality, sustainable book of business. SAN Group is the largest alliance of independent insurance agencies in the Northeast, empowering over 500 member agencies across nine states to thrive. With access to 45+ top insurance carriers, members collectively write over $1.9 billion in premium. SAN is the founding master agency of SIAA, The Agent Alliance, and continues to drive innovation and growth in the independent insurance channel. Learn more at www.sangroup.com. Stay informed and ahead of the curve — explore more industry insights and program opportunities at ProgramBusiness.com.
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