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Record Losses, Falling Premiums : Our Analysis of the 2024–2026 Property Insurance Market.

Record Losses, Falling Premiums : Our Analysis of the 2024–2026 Property Insurance Market.

Etat du marché Grands Risques

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Summary

2025 was the second-costliest year for property insurance losses in the past twenty years.

It was also the year that marked the beginning of a decline in premiums.
The findings documented by our teams directly inform the decisions to be made ahead of your next renewal.

Drawing on data from France Assureurs, Marsh, Verlingue, Swiss Re and AXA XL, we analyzed six key trends shaping the large corporate risks market :

  • The actual level of losses,
  • The factors driving the shift in pricing,
  • The growing gap in insured values
  • The rise of climate-related risks,
  • Evolving underwriting requirements,
  • Evolving reinsurance capacity.

Six trends, one clear underlying message : the quality of declared data now plays a decisive role in the terms secured at renewal.

The full analysis, including all figures and sources, is available in the complete report.

Download the report and share it with your network.


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