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Navigating a Hard Insurance Market | What is a Hard Insurance Market?

You’ve likely heard the terms hard market or market hardening in insurance. So what is a hard insurance market, what causes it and how often does it happen? If you’ve had conversations about insurance in recent months, you’ve likely heard the terms “hard market” or “market hardening.” Many policyholders are experiencing dramatic rate increases that pinch budgets.The Insurance Risk Management Institute (IRMI) defines a hard market as an “upswing in a market cycle when premiums increase and capacity (the supply of insurance available to meet demand) for most types of insurance decreases.” That means insurance is more expensive and harder to obtain.Rising inflation and supply chain issues are adding to the woes. And many insureds are learning their current policies have insufficient property values and improper limits. Rectifying these gaps will add to insureds’ costs for the foreseeable future, prolonging the hard market.Typically, hard markets are shorter in duration than soft markets. For example, compare the hard market of 2001-2004 to the soft market of 2004-2019. Unfortunately, this current hard market is likely to persist.

Can Manulife Financial Corporation be the next market ...

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Property cat still profitable as we enter hard market softening phase: Howden Re - Artemis.bm

As per David Flandro, Managing Director, Head of Industry Analysis and Strategic Advisory at reinsurance broker Howden Re, “if it wasn’t obvious already, As per David Flandro, Managing Director, Head of Industry Analysis and Strategic Advisory at reinsurance broker Howden Re, “if it wasn’t obvious already, we are now firmly in the hard market softening phase of the rating cycle.” These comments were delivered alongside the release of Howden Re’s overview of the reinsurance industry in the first half of 2025, where property catastrophe dynamics featured heavily.The report underscores a clear market cycle shift, with softening rates emerging despite continued underwriting discipline and competitive demand for profitable business. “If you look at all lines, or most lines, we are still harder in terms of pricing than we were five years ago, but it’s evident that we’ve softened recently,” Flandro explained.Concluding: “In summary, first half earnings and capital returns have been strong, and there’s a lot of optimism about forward earnings for 2025, and normalised combined ratios in ’26 and ’27. But again, all of this is happening in an environment of hard market softening.“We’re past the pricing peak. Our data show how underwriters are responding to the hard market softening phase,” added Flandro.

The Hard Market Explained

The market for insurance is cyclical, fluctuating between the soft & hard market. Learn the difference & how to manage insurance market conditions. As more and more companies move their business to insurance carriers with lower rates, the profits for the insurance industry as a whole goes down. This reduces carriers’ ability to continue going after new business, and causes the market to start hardening.The market for insurance is cyclical. It fluctuates between the soft market (when premiums hold steady or decrease) and the hard market (when rates increase and coverage is harder to find.)During the hard market, the market is less competitive, and underwriters adhere to stricter standards.The role of brokers in all of this is to help you navigate the insurance market, whether it’s hard or soft.

U.S. Pet Hard Goods Market Is Likely To Witness Huge Growth

The U.S. pet hard goods market size was estimated at USD 29.87 billion in 2024 , expanding at a CAGR of 4.9% from 2025 to 2030

The insurance market cycle

All industries go through natural cycles of supply and demand. The property and casualty insurance industry cycles between “soft markets” and “hard markets.” The state of the market affects premium prices and how risk is underwritten.

Howden Re predicts era of ‘hard market softening’ in reinsurance | Insurance Insider

Rates will remain elevated in a period of structurally higher risk premia. Howden Re predicts era of ‘hard market softening’ in reinsurance

OPINION: The most efficient market: Why betting on the NFL is so hard — and so irresistible

On the heels of Taylor Swift and Travis Kelce’s engagement, NFL bettors are set to rekindle their own romance — only this is a toxic, breadcrumbing roller coaster.America’s fascination with betting on professional football is second to none. The NFL generates the largest handle of all spor

Howden Re releases Who dares wins: Innovation in an era of hard market softening

The report concludes that those who combine market insight with technical execution, portfolio diversification and innovative structures will be best placed to succeed in this next phase of the cycle. Following the recent rate hardening phase that began in 2022–2023, the reinsurance market ... The report concludes that those who combine market insight with technical execution, portfolio diversification and innovative structures will be best placed to succeed in this next phase of the cycle. Following the recent rate hardening phase that began in 2022–2023, the reinsurance market now faces a period of ‘hard market softening’, in which rates, whilst easing, remain elevated amidst structurally higher risk premia.Emerging opportunities include cyber, renewables, MGAs and growth in emerging markets. However, in this hard market softening phase, top-line expansion can no longer rely mainly on pricing momentum; underwriters must innovate in order to maintain profitable growth.To remain resilient, cedents must expand their toolkit beyond traditional programmes in order to include aggregate covers, parametric triggers, multi-line structures and capital markets instruments tailored to address emerging sources of volatility. Concentration management, supported by improved analytics, is now indispensable as model limitations persist. David Flandro, Head of Industry Analysis and Strategic Advisory said, “We know from history that the current ‘hard market softening’ phase can be profitable for underwriters who innovate as risk selection comes to the fore.New report highlights that in a period of ‘hard market softening’, reinsurers must embrace innovation, disciplined navigation and diversification to sustain growth and resilience.

We are now firmly in the hard market softening phase: Flandro, Howden Re - Reinsurance News

David Flandro, Managing Director, Head of Industry Analysis and Strategic Advisory at reinsurance broker Howden Re, has said that "if it wasn't obvious David Flandro, Managing Director, Head of Industry Analysis and Strategic Advisory at reinsurance broker Howden Re, has said that “if it wasn’t obvious already, we are now firmly in the hard market softening phase of the rating cycle,” as he emphasises the need for exposure growth to be “undertaken intelligently.”Flandro’s comments come alongside the release of Howden Re’s overview of the reinsurance industry in the first half of 2025, which highlights a clear market cycle shift amid greater competition for profitable business. “If you look at all lines, or most lines, we are still harder in terms of pricing than we were five years ago, but it’s evident that we’ve softened recently,” said Flandro.Building on this, Michelle To, Managing Director, Head of Business Intelligence, Howden Re, said: “Insurers are reporting decreasing rating trends due to greater competition, signalling a shift in the market cycle.” · Howden Re’s analysis is in line with CEO commentary during second quarter reporting season, with some noting that softening has occurred, but at the same time reminding that this is off of a high base after the reset in 2023, and so the business, notably property and property cat, is still attractive and profitable. “We’re past the pricing peak. Our data show how underwriters are responding to the hard market softening phase,” added Flandro.“In summary, first half earnings and capital returns have been strong, and there’s a lot of optimism about forward earnings for 2025, and normalised combined ratios in ’26 and ’27. But again, all of this is happening in an environment of hard market softening.

This Hard Market Explained

This hard market is the longest and hardest in generations. Historically, hard markets occurred every seven years or so and lasted two to three years. Agents that sold price and represented carriers who sold price worked hard during the soft market and then failed in the hard market because their carriers wouldn’t have the surplus–i.e., capacity–to grow. The more patient carriers could coast during a soft market and then clean up for two to three years, writing everything that came their way for the price they wanted.This hard market was preceded by the longest and, for three years, the deepest soft market ever. The soft market lasted for about 15 years! For three years, premiums actually decreased. It was an unprecedented market.I do my best to avoid explaining away the hard market using insipid explanations like global warming and nuclear verdicts and wildfires (though wildfires play a part in this market, just not from the perspective usually presented).Third, wildfires and floods–but not due to the actual losses. The real issue is bad mapping and underwriting. Finding wildfire exposures everywhere with as much accuracy as a sawed-off 12-gauge at 100 yards has hardened the market unnecessarily.

Fidelis Insurance’s SWOT analysis: specialty insurer’s stock navigates hard market By Investing.com

Fidelis Insurance’s SWOT analysis: specialty insurer’s stock navigates hard market Fidelis is well-positioned to benefit from what analysts describe as a "generational hard market" in specialty insurance and reinsurance lines. The company’s leading market position in many classes of business it underwrites is seen as a key strength that should position it for future success.The company’s strong market position in many classes of business it underwrites allows it to leverage favorable pricing conditions. As rates continue to harden, Fidelis can potentially increase its premium volume while maintaining or improving underwriting margins.Fidelis’ management team, led by experienced industry professionals, has demonstrated a prudent approach to underwriting and risk selection. This expertise is particularly valuable in a hard market, allowing the company to capitalize on opportunities while maintaining disciplined underwriting practices.Fidelis Insurance is well-positioned to benefit from the current hard market conditions in specialty insurance and reinsurance lines.

Hard Seltzer Market : Current Status, Opportunities, and Future Prospects

Press release - MAXIMIZE MARKET RESEARCH PVT. LTD. - Hard Seltzer Market : Current Status, Opportunities, and Future Prospects - published on openPR.com The Hard Seltzer Market size was valued at USD 19 33 Bn in 2023 and is expected to reach USD 43 81 Bn by 2030 at a CAGR of 12 4 The Hard Seltzer Market is rapidly transforming the alcoholic ...The market is also being shaped by a wide range of innovative flavor offerings, premium positioning, and seasonal product launches that align with social occasions and wellness-focused consumption. Sustainability and eco-friendly packaging are further adding value to this category, making it a dynamic and competitive segment in the global beverage industry. In addition to consumer health trends, the rise of hard seltzers is supported by aggressive marketing campaigns, collaborations with influencers, and the adoption of digital platforms to reach wider audiences.As lifestyles shift towards convenience and social drinking experiences, hard seltzers continue to evolve into a cultural staple, blending the lines between indulgence and mindful consumption. Get a sample of the report https://www.maximizemarketresearch.com/request-sample/203719/ Research objectives: The latest research report has been formulated using industry-verified data. It provides a detailed understanding of the leading manufacturers and suppliers engaged in this market, their pricing analysis, product offerings, gross revenue, sales network & distribution channels, profit margins, and financial standing.Get access to the full description of the report @ https://www.maximizemarketresearch.com/market-report/hard-seltzer-market/203719/ It has segmented the global Hard Seltzer market By ABV Content 0% to 4.9% 0% to 6.9% Others By Packaging Type Glass Bottles Metal Cans Key Objectives of the Global Hard Seltzer Market Report: The report conducts a comparative assessment of the leading market players participating in the globalHard Seltzer The report marks the notable developments that have recently taken place in the Hard Seltzer industry It details on the strategic initiatives undertaken by the market competitors for business expansion.

Hard Seltzer Market: Evolving Consumer Trends At CAGR of 13.8%

Hard Seltzer Market size is expected to be worth around USD 62.7 Bn by 2034, from USD 17.2 Bn in 2024, growing at a CAGR of 13.8% If you choose to republish our data on your own website, we simply ask that you provide a proper citation or link back to the respective page on Market.us News. We appreciate your support and look forward to continuing to provide valuable insights for our audience. ... New York, NY – August 25, 2025 – The global hard seltzer market is projected to grow significantly, reaching an estimated USD 62.7 billion by 2034 from USD 17.2 billion in 2024, at a CAGR of 13.8% during the forecast period.Hard seltzer, a blend of carbonated water, alcohol, and fruit flavoring, has gained popularity for its low-calorie content and crisp, refreshing taste. Originally trending in the United States, this beverage category is now gaining global appeal, especially among health-conscious consumers looking for lighter alcoholic options. The market’s rise is largely fueled by shifting consumer preferences toward healthier drinking alternatives.Major beverage companies such as Anheuser-Busch InBev and Molson Coors are responding to the trend by diversifying their product lines with multiple hard seltzer offerings, accelerating the category’s momentum. Regulatory support has also played a crucial role in driving market growth.Metal cans stood out as the most popular packaging format, capturing more than 66.4% of the market. Flavored hard seltzers continued to lead in consumer preference, representing a significant 67.2% of the overall market.

Why is it hard to find a job right now? Experts weigh in - ABC News

Worker confidence in the ability to find a job has hit a record low. Analysts who spoke to ABC News attributed the tepid job market in part to economic uncertainty hanging over employers as a result of President Donald Trump’s tariff and immigration policies.In response to the flagging labor market, the Fed is expected to cut interest rates when policymakers meet later this month.Investors peg the chances of a quarter-point rate cut this month at about 88% and the odds of a half-point cut at nearly 12%, according to CME FedWatch Tool, a measure of market sentiment.

Darius Rucker is off the market after hard-launching new relationship - pennlive.com

“Is your team working hard to hide negative comments?” another asked. Not everyone was happy with the news.

hard market

A hard market is the upswing in the insurance market cycle, when premiums increase, coverage terms are restricted, and capacity for most types of insurance decreases. Hard insurance markets may be caused by any number of factors, including falling investment returns for insurers, increases in frequency or severity of losses, and regulatory intervention deemed to be against the interests of insurers.

The Hard Market (@thehardmarket) • Instagram photos and videos

65K Followers, 322 Following, 421 Posts - See Instagram photos and videos from The Hard Market (@thehardmarket) 65K Followers, 322 Following, 421 Posts - The Hard Market (@thehardmarket) on Instagram: "A safe place for Insurance Professionals. HardMarket.com"

Managing a Hard Market - PRISM

A hard market cycle occurs when rates are high and competition is low. Risk sharing pools such as PRISM were born from a hard market. Read the coverage Narratives and Talking Points in the sidebar of this page for information and steps you can take to best communicate the state of this market to your stakeholders.

Hard Tea Market Set to Witness Significant Growth by 2033 | Two Chicks Cocktails, Molson Coors Beverage Company

The global Hard Tea Market was valued at approximately USD 2 81 billion in 2024 and is expected to reach around USD 20 34 billion by 2033 growing at a robust compound annual growth rate CAGR of 24 6 from ... Press release - Orion Market Research - Hard Tea Market Set to Witness Significant Growth by 2033 | Two Chicks Cocktails, Molson Coors Beverage Company - published on openPR.comThe global Hard Tea Market was valued at approximately USD 2.81 billion in 2024, and is expected to reach around USD 20.34 billion by 2033, growing at a robust compound annual growth rate (CAGR) of 24.6% from 2025 to 2033.Hard Tea Market Overview The Hard Tea Market is experiencing explosive growth as consumers seek refreshing, lower-calorie alcoholic beverages with familiar tea flavors-positioning hard tea as a key player in the flavoured malt beverage segment. Health-conscious millennials and Gen Z are fueling this trend, driving strong demand for flavors, innovation, and natural ingredients.North America and Asia-Pacific are emerging as leading and fastest-growing markets, respectively. Technological advances in packaging and production, including smart labels and sustainable materials, are further enhancing appeal. With evolving consumer preferences and rising innovation, the Hard Tea Market is poised for dynamic expansion through 2033.