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Insurance

The latest global Insurance finance research, including industry news, and in-depth commentaries from the S&P Global Ratings insurance finance team.

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Tariffs Put European Re/Insurance Ratings To The Test

European reinsurers and insurers (re/insurers) brace themselves for tariff tremors. Due to the pronounced effect of tariffs on capital markets in the U.S., Asia, and Europe, re/insurers' investments could be more affected by tariffs than by other risks. Our stress test revealed that equity market stress would have the most pronounced effect on European re/insurance ratings.

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Credit Risk

Credit FAQ

How We Use IFRS 17 Accounting Metrics In Our Analysis Of Insurers And Re-Insurers

In this FAQ, we explain how IFRS 17 financial statements are incorporated in our analysis of insurers' creditworthiness through the application of our Insurers Rating Methodology
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Cyber Risk Insights

Mar 15, 2025

Cyber Catastrophe Bonds Offer Greater Scope For Risk Mitigation:

Cyber insurance demand continues to grow, with premiums reaching approximately $14 billion in 2023 and likely to rise.
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Credit FAQ

Mar 04, 2025

How Hybrid Capital Innovations Affect Our View Of Equity Content

We consider that hybrid capital instruments with coupon floors give the issuer less protection from some interest rate and refinancing scenarios than equivalent hybrids that don't have a floor.

Home-insurance-cost-state-jan2025

The Impact Of The Los Angeles Wildfires On California's Property Insurance, Housing Finance, And State Creditworthiness

The losses from the Los Angeles wildfires are expected to cause property insurance carriers to raise rates and/or reduce coverage options in California and other at-risk areas. This could be exacerbated in the likely event that the California FAIR Plan falls short of funds. Regulatory reform in the state could eventually improve homeowner insurance accessibility and alleviate the strain placed on the FAIR Plan. The rising insurance costs and mounting affordability challenges could weigh on the creditworthiness of the state of California over time. Currently, however, our rating outlook is stable.

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Independent, transparent opinions on a company's financing or framework, grounded in our award-winning Shades of Green approach, which assess the extent of contribution to a sustainable future.
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S&P GLOBAL RATINGS

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An Insurer Financial Strength Rating is our forward-looking opinion about an insurance organization's ability to pay its policies and contracts.

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Please join us for a live webinar and Q&A with a focus on Cyber Insurance.

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