When does self-defense turn to murder – and how can insurance differentiate

[ad_1] Securities regulation and insurance oversight ​In the US, securities regulation is primarily managed at the state level, with each state establishing its own regulatory framework. The structure and oversight of securities regulation vary across states, with some integrating securities oversight within their insurance departments, while others maintain separate agencies.​ [ad_2] Source link

[ad_1] NOAA’s disaster database has long been a critical resource for insurers, brokers, and risk modellers. Its abrupt removal creates blind spots as hurricane season looms, impacting property insurance pricing, risk models, and underwriting accuracy, according to brokers Insurance Business spoke to.  [ad_2] Source link

[ad_1] The state’s unique bifurcated regulatory structure involves two primary entities: the DFS, traditionally led by the chief financial officer and responsible for managing consumer services, including the intake and initial processing of insurance complaints; and the OIR, headed by the insurance commissioner, overseeing insurer licensing, rate approvals, and market conduct examinations. [ad_2] Source link

[ad_1] Downgrades have fallen but upgrades are rising [ad_2] Source link

[ad_1] In its earnings report, Principal’s net income for Q1 2025 was $138.4 million, or $2.65 per diluted share, up from $124.6 million, or $2.38 per diluted share, in the same quarter last year. Net realized capital losses for the period amounted to $115.1 million, a significant increase from $17.9 million in the prior year….

[ad_1] Mercury’s combined ratio for the quarter stood at 119.2%, up from 100.9% in Q1 2024, reflecting elevated loss activity from catastrophe events. Catastrophe losses, net of reinsurance, reached $447 million in the quarter, up from $72 million a year earlier. [ad_2] Source link