Mark Breading

The property/casualty insurance industry is in the midst of historic times. In fact, it is fair to say that a fundamental transformation of the business is occurring. The basic insurance equation of matching risk to price is not changing. However, the past decade has seen more volatility, new risk factors, and novel business models that disrupt the traditional dimensions of that basic equation.

As the commercial insurance market shifts beyond the hard market, carriers must balance pricing precision, underwriting transformation, and AI-driven decisioning to stay competitive. Discover the key trends, technologies, and capabilities shaping commercial lines success in 2026 and beyond.