INDEPENDENT, DYNAMIC AND ENTREPRENEURIAL BROKING

D&O insurance renewals: Finding solutions for complex management liability risks

The directors’ and officers’ insurance market offers opportunities for brokers and their clients, with competitive capacity and pricing across many risk categories. But not every business benefits equally. Financial institutions, distressed companies and organisations facing litigation or complex management exposures may encounter more restrictive terms or difficulty obtaining cover. Understanding what underwriters want, preparing effectively for renewal and knowing where to look for alternative capacity can make all the difference.

How Lloyd’s history and heritage have shaped insurance today

For more than three centuries, Lloyd’s of London has helped businesses manage risks that could otherwise hold back trade and investment. Its history explains why it remains important to brokers, insurers, MGAs and InsurTechs worldwide. From shipping intelligence to specialist underwriting, the principles behind Lloyd’s still have practical value for your business.

State of the Global Insurance Market: Q3 2026

The third quarter of 2026 has underlined a growing tension in the global insurance market. Capital is plentiful and pricing is becoming increasingly competitive, but the risks that insurers are being asked to cover are becoming more interconnected and difficult to predict. Property and catastrophe pricing continues to soften, while US casualty remains under pressure. Insurers and reinsurers are reporting strong underwriting results, yet falling rates, higher energy costs, geopolitical disruption and rapidly evolving AI risks are creating new challenges. For brokers, MGAs, insurers and insurtechs, this makes disciplined underwriting and access to specialist capacity as important as ever.

Marine war insurance: Why ongoing conflicts demand more agility and responsiveness from your Lloyd’s broker

For vessel owners and operators – and for brokers and insurers arranging marine cover – geopolitical risk is no longer confined to one region or one shipping route. Conflict and heightened tensions are affecting maritime activity around the Strait of Hormuz, Red Sea, Black Sea and elsewhere – sometimes simultaneously. When conditions can change within hours, you need more than insurance capacity.

Riot and civil unrest: Finding insurance protection for property, people and operations

Civil unrest can develop quickly, sometimes with little warning. For property owners and businesses, the consequences can extend well beyond physical damage to buildings. Restricted access, reduced customer footfall, interrupted operations and looting can all create significant financial losses. For brokers, insurers, MGAs and InsurTechs looking to protect clients against these exposures, understanding exactly what existing policies cover – and where specialist protection may be required – is increasingly important.

Protect your property portfolios for the hurricane season: Uncertain forecasts and insurance risk

The 2026 Atlantic hurricane season may be forecast to be quieter than average, but that does not mean property owners, insurers, brokers and other insurance market participants can afford to relax. Seasonal forecasts measure overall hurricane activity – they cannot tell you whether one major storm will make landfall in a heavily exposed area. For North American and Caribbean property portfolios, the priority remains understanding your exposures, securing appropriate coverage and capacity, and preparing well before a storm is approaching.

Get the best of both worlds: Lloyd’s market access plus independent broker agility

For insurers, brokers, Managing General Agents (MGAs) and InsurTech businesses worldwide, accessing the London insurance market can open the door to specialist expertise, substantial capacity and innovative solutions for complex risks. Yet market access alone is not enough. You also need a broking partner that understands your business, responds quickly and can adapt when a placement does not fit a standard template. As an independent Lloyd’s broker, Costero Brokers combines the reach and resources of the world’s leading specialty insurance marketplace with nimble, personal and solutions-focused service.

State of the Global Insurance Market: Q2 2026

The second quarter of 2026 has reinforced a clear message for insurers, brokers, MGAs and insurtechs: capacity is available, but risk is becoming more complex. Commercial insurance and reinsurance pricing has continued to soften in many areas, particularly property and catastrophe-exposed programmes, yet this is not a simple return to easy-market conditions.