Swiss Re SONAR : new emerging risk insights

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<title>Swiss Re SONAR</title>
<subTitle>: new emerging risk insights</subTitle>
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<publisher>Swiss RE Institute</publisher>
<dateIssued>2025</dateIssued>
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<abstract displayLabel="Summary">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</abstract>
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<topic>Mercado de seguros</topic>
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<topic>Riesgos emergentes</topic>
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<topic>Confianza</topic>
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<topic>Comportamiento del consumidor</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080563974">
<topic>Rentabilidad</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080627638">
<topic>Seguro de responsabilidad civil</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080620479">
<topic>Seguro de defensa jurídica</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20170006503">
<topic>Transformación digital</topic>
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<topic>Envejecimiento de la población</topic>
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<topic>Tendencias</topic>
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<url displayLabel="electronic resource" usage="primary display">https://www.swissre.com/institute/research/sonar/sonar2025.html</url>
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<title>June 2025</title>
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