Let’s level-set with P&C insurance basics, a 30,000’ look at the insurance ecosystem, and a deeper exploration into insurance market cycles and the “hard market”.

The Property and Casualty insurance market is experiencing an unprecedented hard market that is more severe and potentially longer lasting than the typical three-year market cycle. We will hear in-depth perspectives from industry leaders on the root causes of these challenging market conditions.

Economic and social inflation, convective storms, and reinsurance are major cost drivers in this market impacting both personal and commercial line companies. 

The Insurance Fraudemic and its negative effects on both insurers and the policyholders they serve

How does the regulatory-industry partnership keep New York on the right path?

In a hard market, premiums increase, accessibly decreases, and competition wains.  Soft markets are generally the inverse.  What does the data and customer experience tell us about the current environment and the challenges that lie ahead regardless of market cycle?

As the 2025 legislative session gets underway, this final panel will explore legislative solutions to tackle insurance marketplace challenge