Articles on Market Insights from the Openkoda team.
The insurance industry's flagship technology future went insolvent in Zurich in 2022, while the real one arrived without a keynote. So this piece grades the last decade's predictions before making five of its own - each dated, sourced and falsifiable.
There is no institutional premium series for cannabis insurance, and the forecasts that fill the gap disagree with each other. What is measurable says something the growth reports miss: the number of licensed businesses has fallen 13% in two years while property rates rose up to 40%.
US cyber premium fell 7% in 2024, the first decline in the market's history, while policy count held flat and loss ratios stayed strong. A price correction, not a retreat.
Total losses have fallen by nearly two thirds in a decade. In the same window one container ship cost the market $2.8bn, the largest marine loss ever recorded. Frequency and severity have come apart, and the two halves of the market disagree about which one to price.
Only 11% of agentic AI use cases reached production last year, and the industry treats that as the problem. Cigna's claim-denial system reached full production and averaged 1.2 seconds of human review. What Zurich, IAG, WTW and Lemonade did differently, and what a court in Minnesota decided it wanted to see.
Insurers spent 2025 and 2026 writing AI out of standard policies and building a new market to replace it. Here is what Armilla, Munich Re, AIUC, Klaimee, HSB and Testudo actually sell, and what it takes to launch a product like theirs.
A small commercial MGA integrates a new distribution partner in three weeks. Fortune 100 carriers have been working on the same problem for two years. Here is why the gap exists, what a working insurance API actually has to do, and why the bar is about to rise again.
The retirement forecast the industry has quoted for years named 2026, and it is 2026. The harder problem is that the junior roles which used to replace those people have gone, and the industry may be blaming the wrong cause.
US MGA premium grew 12% in 2025 against the wider market's 5%. In the same window AM Best cut its outlook on the MGA channel and on E&S from positive to stable. Both things are true, and they have the same cause.
Parametric cover used to mean hurricanes and earthquakes. In 2026 it pays out for cloud downtime, sensor-measured shaking at a single building, and AI models that stop performing. Here is what changed, what is still hard, and what it takes to launch one.
In the same quarter, US property rates fell 13% and US casualty rates rose 7%. Calling that a soft market is costing people money. Here is what the two halves are actually doing, and why the winning response is the same in both.
Market size, adoption rates, ROI data, and funding trends showing where AI is delivering real value across the insurance industry in 2026.
The latest car insurance data showing how premiums vary by state, age, gender, and vehicle brand, plus what's driving rising costs in 2026.
Market size, growth rates, regional dynamics, and product-line data showing how embedded insurance is reshaping distribution through 2034.
The five insurtech trends shaping 2026: embedded distribution, targeted generative AI, parametric insurance, digital twins, and specialty lines.
Market size, ownership rates, the protection gap, product mix, and average costs shaping the global life insurance market in 2026.
Pet insurance is scaling fast: North American premiums topped $5.2B in 2024 and the global market is projected to reach ~$79.6B by 2033.
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