Insurance
The latest global Insurance finance research, including industry news, and in-depth commentaries from the S&P Global Ratings insurance finance team.
Global Reinsurance Sector View 2026: Reinsurers Face Balancing Act
S&P Global Ratings maintains a stable view of the global reinsurance sector. Reinsurers have entered the 2026 hurricane season from a position of strength, supported by record-high capital adequacy and strong year-to-date operating performance. Even so, near-term headwinds are emerging.
Abundant capacity and lower-than-expected catastrophe losses in recent years suggest that reinsurance pricing will remain under pressure through 2027. As a result, reinsurers are likely to face increasing pressure to loosen terms and conditions, while property and casualty (P&C) reinsurers' underwriting margins and overall profitability will gradually compress over 2026-2027.
European Insurance 2026 Mid-Year Outlook: Profitability To Hold Up
Most European insurers will see decent profitability with muted growth over the remainder of the year. Investment returns are improving, but not stellar due to the slow replacement of low yield bonds purchased before 2022. We believe the European insurers we rate are well placed to weather to potential challenges such as inflation and volatility risk in financial markets. This is due to their focus on technical profitability, prudent asset allocation and material capital surplus.
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