Overview
Inside this issue:
🧠 Critical Thinking
📉 An Unsustainable Trend – Declining P/C Rates and Rising Cost of Risk: Marsh’s John Doyle
📊 Rates in Review
💼 Workers’ Comp Continues to Lead P/C industry With Strong Profits
🌪️ Natural Disaster Claims in 2025 to Again Top $100B Despite ‘Abnormally Low’ Q3 Events
⚖️ Can a More Unified Front Be Formed Against Legal System Abuse?
🚨 State Officials Say New Rules, Delays for FEMA Grants Put Disaster Response at Risk
🔍 Closer Look: Top 50 Commercial Lines Leaders

AI Tools for Agents Demo Day
Top 50 Commercial Lines Agencies 2025
Insurance Journal November 3, 2025 Issue