Topic
Insurance regulation
123 stories · tracked since Aug 5, 2024 · latest Sep 21, 2026
Insurance regulation is the laws and regulators that license insurers, oversee solvency, and approve the rates and policies they sell. In the US that oversight runs state by state rather than through one federal regulator; elsewhere a single national authority usually covers solvency, conduct and now AI use.
Who regulates insurers and how
An insurance regulator is the government body that licenses insurers and brokers, sets how much capital they must hold, and reviews the rates and policy wording before a product reaches customers. In the United States that job sits with each state's insurance department rather than one federal agency; elsewhere a single national authority does it, such as India's IRDAI, Nigeria's NAICOM or the UK's FCA and PRA. Model laws, rate filings, form approval and regulatory sandboxes are the recurring vocabulary of this work.
Why compliance is a moving target now
The friction shows up wherever a new distribution model or underwriting method reaches the desk of a regulator built for a slower industry. A rate change, a new AI-driven pricing model or a policy sold through a retailer's checkout still needs sign-off, and in the US that approval has to be sought state by state rather than once nationally. Regulators are now writing rules for AI use in underwriting and claims, for financial-promotion and conduct standards, and for how much of an insurer's investment risk they are allowed to carry, which makes compliance a moving target rather than a fixed checklist.
Who shows up in this coverage
The companies showing up most often split into two groups: the regulators themselves — Nigeria's NAICOM and India's IRDAI chief among them — and the compliance and brokerage side that has to answer to them, from RegTech platforms such as Kayna, Kwant and Adclear to brokers like Willis Towers Watson, NFP and Lloyd's working through licensing and acquisitions. The coverage increasingly crosses into AI & Automation and Claims & Underwriting, as regulators turn their attention to how insurers use AI, and into Funding and Property & Cat, where new capital and catastrophe exposure both draw regulatory scrutiny.
Solvency rules versus market conduct rules
Two different kinds of oversight get lumped under the same word. Solvency, or prudential, regulation asks whether an insurer holds enough capital to pay future claims; conduct regulation asks whether it is selling and handling those claims fairly, covering advertising, disclosure and complaints handling. Some markets split the two between separate bodies, such as the UK's PRA and FCA; many others, including most US states, hand both to the same commissioner.
Written by Insurtech Daily from the coverage below.
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Coverage
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It’s the "largest theft of labor in human history." Insurers are backing away
NY Times lawsuit documents raise important risk issue
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Lemonade $10.5 Million Settlement Over License Number Data Breach Approved
A federal district court in New York has approved a $10.5 million class action settlement by digital insurer Lemonade over its exposing license numbers of as many as 190,644 drivers to third parties through its online…
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It’s the "largest theft of labor in human history." Insurers are backing away
NY Times lawsuit documents raise important risk issue
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The AI governance gap regulators are now testing for
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Lemonade $10.5 Million Settlement Over License Number Data Breach Approved
A federal district court in New York has approved a $10.5 million class action settlement by digital insurer Lemonade over its exposing license numbers of as many as 190,644 drivers to third parties through its online…
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Insurance Companies Join Letter to Push TPLF Disclosure in Federal Courts
Insurance executives and counsels joined in with those from more than 200 companies that submitted a letter to a federal court rules committee urging the development of a third-party litigation funding (TPLF) disclosure…
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Furnished Finder adds renters insurance
Sure acts as the licensed insurance producer and is compensated by AmTrust for its services.
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Insurance Companies Join Letter to Push TPLF Disclosure in Federal Courts
Insurance executive and counsels joined in with those from more than 200 companies that submitted a letter to a federal court rules committee urging the development of a third-party litigation funding (TPLF) disclosure…
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Adam O’Reilly joins Ki as Chief Risk Officer
Ki, the algorithmic Lloyd’s digital follow platform, has appointed Adam O’Reilly as Chief Risk Officer, where he will lead the actuarial, compliance, legal, and risk teams and report to Mark Allan, Chief Executive…
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The Big Data/AI ‘Revolution’ Is Driving Up Verdicts, Settlements as Plaintiffs Buy In
Nick Kosiavelon, an insurance defense attorney in Massachusetts, tells the story about some plaintiffs’ lawyers he faced off against in a recent brain-injury lawsuit. He said within an hour of seeing the list of…
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Zurich’s £8.1bn Beazley acquisition to complete October 1 following regulatory clearance
Zurich Insurance and Beazley have confirmed that Zurich’s recommended all-cash acquisition of the London-headquartered specialist insurer is on track to take effect on 1 October 2026, after all required regulatory…
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The Big Data/AI ‘Revolution’ Is Driving Up Verdicts, Settlements as Plaintiffs Buy In
Nick Kosiavelon, an insurance defense attorney in Massachusetts, tells the story about some plaintiffs’ lawyers he faced off against in a recent brain-injury lawsuit. He said within an hour of seeing the list of…
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Bloc Cyber launches as new cyber insurance and technology E&O brokerage
Bloc Cyber, a specialty cyber insurance brokerage, has officially launched as an independent, carrier-agnostic firm aiming to serve regulated industries nationwide. The firm, headquartered in The Woodlands, Texas…
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NAIC to make insurers show AI use in claims and models
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The Big Data/AI ‘Revolution’ Is Driving Up Verdicts, Settlements as Plaintiffs Buy In
Nick Kosiavelon, an insurance defense attorney in Massachusetts, tells the story about some plaintiffs’ lawyers he faced off against in a recent brain-injury lawsuit. He said within an hour of seeing the list of…
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Insurity Announces Ratio Content and Rating Engine
Insurity, a provider of software and analytics for the property/casualty insurance industry, announced Ratio Content and Rating Engine, an API-first regulatory content and externalized rating engine for admitted…
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Bloc Cyber Launches Specialty Cyber Insurance and Technology E&O Brokerage for Regulated Industries
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Bloc Cyber Launches Specialty Cyber Insurance and Technology E&O Brokerage for Regulated Industries
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Income Insurance Scraps Hive Sale as Embed Faces CPF Court Case
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Bloc Cyber Launches Specialty Cyber Insurance and Technology E&O Brokerage for Regulated Industries
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Knack launches small business insurance platform
Knack is currently licensed in 32 jurisdictions for property and casualty insurance, with applications pending in 19 additional states.
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Altaline invests in Risk & Regulatory Consulting
Risk & Regulatory Consulting is an independent provider of actuarial, financial, IT, compliance, and other services to US insurance regulators.
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Applied Systems Expands Employee Navigator Integration
Applied Systems announced an expanded integration with Employee Navigator, a leading benefits administration, HR and compliance software provider, giving agencies a native, direct path to seamlessly transfer plan data…
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China moves to raise insurer capital bar fivefold in biggest insurance law rewrite since 2015
Beijing's financial regulator wants insurers to hold five times more capital to operate, open the door to equities and gold, and give itself sharper tools to unwind failing companies
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Florida Judge Cans Investment Funds’ Lawsuit vs. Lighthouse Insurance Exec
A Florida judge this week effectively dismissed a lawsuit brought by private equity firms who charged that Lighthouse Property Insurance executives misled investors about the extent of losses from Hurricane Ida in 2021.…
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Adviser firm proves Aviva's adviser platform breached its contract, then gets awarded £1
Lawsuit against big insurer gets… not much
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Qatari Islamic Insurance Group Secures License for New Reinsurance Branch in India’s GIFT City
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Mobilink Bank, Yango partner to enable Shariah-compliant financing, embedded insurance for drivers
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Markets/Coverages: Classic Car Insurer OpenRoad Expands to 40 States
OpenRoad Insurance, a provider of specialized insurance for classic and collector vehicles and related coverages, said it is now licensed in 40 U.S. states, up from 35 since March. OpenRoad launched two years ago. The…
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NAIC extends private-rating deadlines as it recovers from June ShinyHunters breach
A breach of the system that assigns investment designations for state-regulated insurers disrupted statutory financial reporting across the industry. Not all systems are back online yet
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FSA Issues New Regulation for Insurance Loss Assessment and Risk Estimation
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InsurConnect comes to ChatGPT
The app allows consumers to search for licensed property and casualty insurance agents.
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Appeals Court Revives Signature Bank Collapse Lawsuit Despite FDIC Objection
A U.S. appeals court on Wednesday revived an investor lawsuit over the 2023 collapse of Signature Bank, saying the Federal Deposit Insurance Corp (FDIC) seizure of the lender did not take away shareholders’ right to…
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Legacy Consolidator Marco Capital to Buy Insurance Services Firm Pro Global
Marco Capital, the property/casualty legacy consolidator and parent of insurance services group PoloWorks, has entered into an agreement to acquire Pro Global, subject to regulatory approval. Financial details of the…
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Louisiana Councilwoman Honored for Fortified Roof Gap Funding Program
Jefferson, Louisiana Parish Council Chairwoman Jennifer Van Vrancken was honored at the Louisiana Department of Insurance Annual Conference for initiating a gap fund program that helps residents secure funding to pay…
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Markets/Coverages: Lockton Launches US Aviation Practice
Brokerage Lockton said it launched a U.S. Aviation Practice to help aviation and aerospace organizations navigate increasingly complex operational, regulatory, geopolitical, and insurance market challenges. Taylor…
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People Moves: Lindberg Whistleblower Obusek to Retire After 30 Years With NCDOI
The North Carolina regulator who raised the first red flags about now-imprisoned insurance executive Greg Lindberg’s business practices has decided to retire after 30 years with the state Department of Insurance. Jackie…
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Willis Re to acquire BMS Re US, accelerating geographic growth
Specialist international reinsurance broker Willis Re has reached an agreement to acquire BMS Re, US, the US reinsurance arm of independent broker BMS Group for an undisclosed sum, subject to regulatory approval and…
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Davies selects Initia Risk to strengthen risk and compliance framework
Davies has selected Initia Risk as its risk and compliance platform as the professional services and technology firm looks to strengthen its risk framework as the business expands globally.
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NCOIL readopts distracted driving model law as states report double-digit crash drops
Five years after adopting a model hands-free law, insurance legislators are pointing to state-level crash data to make the case for wider adoption
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7 Takeaways from the Big Data and Artificial Intelligence Working Group at the NAIC 2026 Summer National Meeting
A packed session in Columbus showed insurance AI governance moving from principles and policies toward use-case-specific evidence, workflow redesign, and controls for systems that increasingly act.
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Commercial insurers who don't build their own AI tools will fall behind
Pie Insurance's John Swigart says solely licensing vendor software solutions inhibits differentiation
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NFP expands specialty capabilities with Frontier Risk deal
NFP, the Aon-owned insurance brokerage, has acquired the retail cannabis insurance business of Frontier Risk Group as it expands its specialty capabilities in a market facing changing federal regulation.
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Cleversoft to buy FS Assist to expand insurance reporting footprint
The cleversoft group, a leading provider of regulatory technology solutions for the financial services industry, today announced the signing of a definitive agreement to acquire UK-based FS Assist, a trusted specialist…
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Private credit now dominates life insurer bonds as NAIC rewrites the rulebook
Nearly half of all life industry bonds are privately placed, prompting the NAIC to overhaul how it classifies and discloses insurer investment risk
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Reassuringly hard: The regulatory formula behind Bermuda’s insurtech edge
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Egypt's Financial Regulator Admits Two More AI Insurance Projects to Sandbox, With Allianz Among Them
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Illinois passes new rate-review rules for auto insurers
A missed regulator deadline could hand insurers automatic approval on their rate filings
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Kansas Launches Program for First Responders Recovering From Trauma
Kansas Insurance Commissioner Vicki Schmidt announced that the Kansas Department of Insurance is now accepting reimbursement requests for the HERO Act. The Helping First Responders Overcoming Post-Traumatic Stress…
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Defaqto names its 2026 Insurers of the Year, as travel service quality falls sharply
Aviva, Lloyds Bank, InsureandGo and Sainsbury's Bank take the top spots, but the customer-experience data behind the wins lines up closely with where the regulator is already looking
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Wildfires in Spain and France to raise insurer claims as UK market reassesses its own exposure
Moody's expects French insurers to absorb higher wildfire claims, while UK regulators and brokers warn domestic wildfire risk remains under-modelled
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Brokly launches commercial insurance app in ChatGPT
Brokly is a licensed commercial insurance brokerage.
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Allianz backs Dili
Dili is an AI-powered compliance platform serving energy, infrastructure, construction and manufacturing projects.
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US Sanctions Iranian Marine Insurers Taking Bitcoin for Strait of Hormuz Passage
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Why insurers pricing individual risk also erode risk pooling
Better data is letting carriers move past broad rating groups toward pricing individual risk, but regulators want assurances first
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Ventura County DA Gets $900,000 to Combat Workers’ Comp Fraud
The Ventura County District Attorney’s Office was awarded $898,840 from to investigate prosecute workers’ compensation fraud for the fiscal year. The grant, awarded through the California Department of Insurance, funds…
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Sustainability increasingly embedded in Lloyd’s insurers investment strategy: NEAM
New England Asset Management Limited’s (NEAM) recent survey found that sustainability is continuing to move beyond compliance and into Lloyd’s insurers’ core investment, risk, and governance frameworks. NEAM has…
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Your Greatest Competitive Advantage Isn’t Technology—It’s Leaders
The insurance industry has never lacked for complexity. Markets harden and soften. Catastrophes reshape risk models overnight. Regulatory demands evolve. Technology races ahead. Artificial intelligence promises…
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Louisiana Woman Arrested for Insurance Fraud Following Fire Investigation
The Louisiana Department of Insurance announced that a Monroe woman has been arrested for fraudulently obtaining insurance benefits following a residential fire. Tashira S. Glover, 42, allegedly submitted a homeowners…
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Insurance moves: NFP, Starkweather, Centene, Guardian and Corgi Insurance
Centene's board sees a retirement and a new appointment, while an SEC enforcement veteran joins an AI-native startup carrier as compliance chief
Showing the 60 most recent of 123.