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What 2025’s Consumer Trends Reveal About Risk, Behavior, and What’s Ahead

Cheerful woman enjoying shopping on a sunny day while carrying multiple bags in an urban setting. Consumerism, fashion, purchases, shopping, lifestyle concept.

Consumer behavior in 2025 proved unpredictable, fast-moving, and increasingly shaped by external shocks — from the adoption of AI to geopolitical tensions.

Second Atmospheric River Brings Heavy Rain and Snow to California Through Christmas

Pacifica California, USA - February 5, 2024: An atmospheric river touched down in Northern California late Saturday with widespread rain and moderate flooding. In Pacifica, a costal hamlet a short drive South from San Francisco a tree collapsed on a truck at Salada and Beach boulevard near the already storm damaged and closed pier.

According to AccuWeather, the pattern follows weeks of atmospheric river impacts across the Pacific Northwest and will shift southward, affecting much of California during the peak travel period.

Extreme Weather Caused More Than $300 Billion in U.S. Losses in 2025

An image of the Guadalupe River in Boerne, TX following the devastating July 4th, 2025, Hill Country flood.

AccuWeather estimates that seven major weather disasters resulted in $378 billion to $424 billion in total damage and economic loss nationwide this year.

Outmarket Introduces Insurtech Proposal Builder to Streamline Commercial Insurance Sales

The company stated that the new AI-powered workflow significantly reduces the time required to create customized insurance proposals, turning a process that typically takes hours into one completed in minutes.

3 Key Challenges to Organic Growth and Where Life Insurers Are Focusing

Back view of peaceful family watching sunset at mountains together, copy space. Caring parents with their child enjoying beautiful evening scenery

The U.S. life insurance industry continues to face rising operating costs, declining customer counts, and modest premium growth.

Light Therapy Market Projected to Reach $1.79 Billion by 2033

Side view of female patient undergoes red LED light or RLT therapy for skin rejuvenation at modern luxury aesthetic clinic. Young brunette woman client having non-invasive type of phototherapy.

According to industry estimates, the market was valued at $1.17 billion in 2025 and is projected to reach $1.79 billion by 2033.

Workers’ Compensation Coverage: Financial Gaps After Line of Duty Injuries

Rear view of an Hispanic police officer standing outdoors at night in front of two police vehicles with their lights on. He is a young man, in his 20s.

Injured officers can face long-term financial challenges because workers’ compensation and employer-provided benefits do not always cover the full scope of expenses tied to a serious injury.

Insureon’s Kari Allen Named a 2025 Women in Insurance Leadership Honoree

The recognition highlights Allen’s leadership and contributions to the insurance industry.

Amwins Access Looks Ahead with 2026 State of the Market Report

The report outlines key shifts shaping next year’s placement environment, including softening in property, selective firmness in casualty, and the ongoing influence of digital tools and valuation discipline.

Starfish Specialty Insurance Receives Strategic Investment from Peloton Capital Management

Starfish Specialty Insurance has announced that it has entered into a partnership with Peloton Capital Management to support its growth trajectory and position it to make strategic acquisitions.