Deadly floods swept through the United States at a record pace in 2025, triggering more flash flood warnings than any year to date. With flood events in 99 percent of U.S. counties over the past 20 years, more communities are vulnerable to flooding than ever before, especially as exposure spreads increasingly inland.

Since 1998, the insurance industry has come together for the Insurance Industry Charitable Foundation (IICF) Week of Giving. During this eight-day international (US and UK) and industry-wide initiative, insurance professionals complete volunteer projects in support of community nonprofit organizations in-person and virtually.

Workers Compensation

The workers compensation insurance industry experienced its third best underwriting result in the past twenty years in 2024 with a net combined ratio of 87.8. It was the tenth year in a row of net underwriting profit following eight years of a net combined ratio over 100. In comparison, workers comp has outperformed the combined property and casualty insurance industry in net combined ratio each year since 2015.

(As of February 25, 2026)

Hurricanes

With no U.S. landfalls for the first time in a decade, the 2025 Atlantic hurricane season still generated deadly tropical storms and above-average days of major hurricane activity, underscoring the need for community preparedness. Though the season produced fewer storms than expected, four of the five hurricanes reached Category 3 or higher. Three were Category 5 – only the second year on record that more than two Category 5 storms occurred in the Atlantic.

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Each year, the insurance industry comes together for the Insurance Industry Charitable Foundation (IICF) Week of Giving. During this eight-day international and industry-wide initiative, insurance professionals complete volunteer projects in support of community nonprofit organizations.

The risk landscape is always changing. Triple-I Issues Briefs are designed to provide timely snapshots of specific risks, as well as broader issues and trends. This growing library will be regularly updated as a ready member resource for your own research or to inform conversations with industry professionals, policymakers, media, and policyholders.

Each year, the insurance industry comes together for the Insurance Industry Charitable Foundation (IICF) Week of Giving. During this eight-day international and industry-wide initiative, insurance professionals complete volunteer projects in support of community nonprofit organizations.

Corporations increasingly include non-financial factors, such as environmental and social impacts of operations and investment practices, into business analyses to help them identify risks and growth opportunities.

Generally referred to as environmental, social, and governance (ESG), these factors have become more significant due to:

As plaintiff trial attorneys continue to exploit and manipulate the insurance industry for their own financial gain, it is important to understand the facts of how auto insurance is working for the benefit of consumers.