Insights

Market Reports  |  March 31, 2026

For brokers, MGAs, insurers and insurtechs worldwide, this first quarter of 2026 has brought more available capacity in many areas, but no meaningful reduction in underlying risk. Conditions may be easing in parts of the market, but disciplined underwriting, specialist placement strategy and careful portfolio management remain essential. As we navigate an ever-evolving insurance landscape, this report provides a concise overview of key trends and developments shaping the global insurance market today.

Insights  |  March 25, 2026

When geopolitical tensions flare around major shipping lanes, the impact is felt far beyond the immediate conflict zone. Cargo can be delayed, rerouted or stranded. Vessels and crews can face heightened exposure. Insurance can become more complex overnight. Recent disruption around Iran, the Persian Gulf and the Strait of Hormuz has brought these realities into sharp focus, but the underlying issues are not new and they are not going away.

Insights  |  March 5, 2026

Emerging industries can become commercially significant long before the insurance market feels fully comfortable with them. Drones, cannabis, crypto and climate tech are all good examples: each has moved beyond theory into real operations, real investment and real liabilities. For businesses in these sectors – and for the insurers, brokers, MGAs and InsurTechs that serve them – the challenge is often not whether cover is needed, but how to secure the right capacity, wording and underwriting partner.

Insights  |  February 19, 2026

If you’re trying to build, place, or scale a specialist insurance proposition today – whether you’re a broker, insurer, MGA or InsurTech – you’re operating in a world where risks are moving faster than traditional products. Discover why insurers, brokers, MGAs and InsurTechs worldwide look to London syndicates to cover hard-to-place risk and build custom protection for clients.

Insights  |  January 30, 2026

Understand how insurance risks actually get placed in the Lloyd’s market, with our clear, jargon-free explanation of slips, endorsements, lead/follow markets, and the subscription system.

Insights  |  January 23, 2026

The January treaty reinsurance renewals are one of the few moments each year when the market shows its hand in public: which direction is pricing moving, where is capacity growing, and which terms are sticking. In 2026, the message is clear. Conditions are continuing to soften, and buyers have more leverage.

Market Reports  |  December 30, 2025

With 2025 drawing to a close, economic shifts, geopolitical dynamics, natural catastrophes and technological developments are influencing risks and opportunities for insurers and brokers worldwide. As we navigate an ever-evolving insurance landscape, this report provides a concise overview of key trends and developments shaping the global insurance market today – and into 2026.

Insights  |  December 18, 2025

Across the world, MGAs, InsurTechs, and coverholders are seeking ways to remain agile as customer expectations shift and specialty risks become increasingly complex. Yet finding dependable capacity, particularly for non-standard or catastrophe-exposed business, remains one of the industry’s most persistent challenges.

Insights  |  October 30, 2025

If you’re building or scaling an MGA or InsurTech, winning capacity and distribution is half the battle. Becoming a Lloyd’s coverholder gives you a powerful route to achieve this – unlocking global licences, diverse syndicate capacity and long-term resilience. Working with an expert like Costero means you can get approved quickly and keep growing confidently. Below, we’ll unpack the key benefits, the market context for 2025, and how our specialist team helps MGAs and InsurTechs navigate the process at an accelerated pace.

Insights  |  October 15, 2025

Cyber incidents are no longer only about stolen data and IT downtime. As more machines, buildings and infrastructure are controlled by software and connected to the internet, a digital intrusion can cause very real-world harm for organisations and industries: damaged equipment, halted production and complex liabilities.

Market Reports  |  October 2, 2025

As the year continues, economic shifts, geopolitical dynamics, natural catastrophes and technological developments are influencing risks and opportunities for insurers and brokers worldwide. As we navigate an ever-evolving insurance landscape, this report provides a concise overview of key trends and developments shaping the global insurance market today.

Insights  |  September 26, 2025

London’s broker landscape is changing fast. A wave of consolidation has seen many smaller and mid-sized Lloyd’s brokers folded into a handful of global groups. In a market that thrives on speed, relationships and deep expertise, size isn’t everything. As an independent Lloyd’s broker, Costero can move faster, stay closer to you, and tailor solutions without the constraints that can come with public-company or private-equity ownership.