INDEPENDENT, DYNAMIC AND ENTREPRENEURIAL BROKING

State of the Global Insurance Market: Q3 2026

The third quarter of 2026 has underlined a growing tension in the global insurance market. Capital is plentiful and pricing is becoming increasingly competitive, but the risks that insurers are being asked to cover are becoming more interconnected and difficult to predict. Property and catastrophe pricing continues to soften, while US casualty remains under pressure. Insurers and reinsurers are reporting strong underwriting results, yet falling rates, higher energy costs, geopolitical disruption and rapidly evolving AI risks are creating new challenges. For brokers, MGAs, insurers and insurtechs, this makes disciplined underwriting and access to specialist capacity as important as ever.

Marine war insurance: Why ongoing conflicts demand more agility and responsiveness from your Lloyd’s broker

For vessel owners and operators – and for brokers and insurers arranging marine cover – geopolitical risk is no longer confined to one region or one shipping route. Conflict and heightened tensions are affecting maritime activity around the Strait of Hormuz, Red Sea, Black Sea and elsewhere – sometimes simultaneously. When conditions can change within hours, you need more than insurance capacity.

Riot and civil unrest: Finding insurance protection for property, people and operations

Civil unrest can develop quickly, sometimes with little warning. For property owners and businesses, the consequences can extend well beyond physical damage to buildings. Restricted access, reduced customer footfall, interrupted operations and looting can all create significant financial losses. For brokers, insurers, MGAs and InsurTechs looking to protect clients against these exposures, understanding exactly what existing policies cover – and where specialist protection may be required – is increasingly important.

Protect your property portfolios for the hurricane season: Uncertain forecasts and insurance risk

The 2026 Atlantic hurricane season may be forecast to be quieter than average, but that does not mean property owners, insurers, brokers and other insurance market participants can afford to relax. Seasonal forecasts measure overall hurricane activity – they cannot tell you whether one major storm will make landfall in a heavily exposed area. For North American and Caribbean property portfolios, the priority remains understanding your exposures, securing appropriate coverage and capacity, and preparing well before a storm is approaching.

Get the best of both worlds: Lloyd’s market access plus independent broker agility

For insurers, brokers, Managing General Agents (MGAs) and InsurTech businesses worldwide, accessing the London insurance market can open the door to specialist expertise, substantial capacity and innovative solutions for complex risks. Yet market access alone is not enough. You also need a broking partner that understands your business, responds quickly and can adapt when a placement does not fit a standard template. As an independent Lloyd’s broker, Costero Brokers combines the reach and resources of the world’s leading specialty insurance marketplace with nimble, personal and solutions-focused service.

State of the Global Insurance Market: Q2 2026

The second quarter of 2026 has reinforced a clear message for insurers, brokers, MGAs and insurtechs: capacity is available, but risk is becoming more complex. Commercial insurance and reinsurance pricing has continued to soften in many areas, particularly property and catastrophe-exposed programmes, yet this is not a simple return to easy-market conditions.

Cyber risks for datacentres and why specialist insurance is needed more than ever

Datacentres have become critical infrastructure for the digital economy. They support cloud services, AI platforms, financial systems, government, healthcare, logistics, retail, media and almost every online customer experience. That makes datacentres attractive targets for cybercriminals, hostile nation-state actors and opportunistic hackers.

What should you expect from your Lloyd’s broker? Essential qualities in the London insurance market

When you are placing complex or specialty insurance risk, your choice of Lloyd’s broker can make a material difference to the quality of your outcome. You need a partner who can understand your business, explain the market clearly, advocate for your interests and build a strategy that gives your submission the best chance of success. In this article, we look at the global importance of Lloyd’s and the London market, the role of the Lloyd’s broker, and the key qualities you should expect from your broker – including transparency, advocacy and market strategy.