Swiss Re SONAR : new emerging risk insights

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      <subfield code="a">Swiss Re SONAR</subfield>
      <subfield code="b">: new emerging risk insights</subfield>
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      <subfield code="a">The report opens with an assessment of structural risks that shape insurance markets and the business environment already today. They contextualise and could exacerbate the future impact of emerging risks. This year's SONAR highlights five structural risks, including a lack of consumer trust in the industry, a challenge to the core value proposition of insurance. Another real-time structural risk is social inflation, a drag on profitability in casualty business, particularly in the US. Demand for liability insurance has been growing rapidly, a main driver being changes in the legal landscape exemplified by large verdicts. Insurers facing big increases in legal defence costs will likely pass this on to consumers through higher premiums. We also highlight the
insurance significance of current elevated levels of excess mortality, ageing populations and digitalisation</subfield>
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      <subfield code="u">https://www.swissre.com/institute/research/sonar/sonar2025.html</subfield>
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