What the headline doesn't show
A lighter catastrophe period does not mean underlying loss trends have shifted. Robert Gordon, senior vice president at the American Property Casualty Insurance Association (APCIA), put it plainly in a separate report last week. "While insured natural-catastrophe losses provided a temporary reprieve in the first half of 2026, bodily injury and commercial liability losses continued to worsen," he said. "Excess liability, umbrella liability, commercial auto, and other casualty lines experienced ongoing pressure from escalating claim severity, nuclear verdicts, and rising medical costs."
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