https://prismpolicy.com/ Editorial insurance portal and publication hub covering statutory underwriting, reinsurance market developments, and admitted policy guidelines. en-us Sat, 19 Sep 2026 00:00:00 GMT https://prismpolicy.com/#post/2026-property-casualty-market-outlook https://prismpolicy.com/#post/2026-property-casualty-market-outlook Thu, 10 Sep 2026 12:00:00 GMT An in-depth analysis of mid-year reinsurance renewals, secondary peril loss development, and how capital adequacy adjustments are impacting primary policyholder rate filings. P&C compliance@prismpolicy.com (Arthur Vance, CPCU) https://prismpolicy.com/#post/understanding-commercial-umbrella-liability-limits https://prismpolicy.com/#post/understanding-commercial-umbrella-liability-limits Mon, 07 Sep 2026 12:00:00 GMT A technical guide for commercial insureds evaluating underlying schedule exhaustion, vertical vs. quota-share tower construction, and step-down defense provisions. Underwriting compliance@prismpolicy.com (Marcus Brody, FCAS) https://prismpolicy.com/#post/telematics-behavioral-pricing-auto-insurance https://prismpolicy.com/#post/telematics-behavioral-pricing-auto-insurance Wed, 02 Sep 2026 12:00:00 GMT How smartphone OEM sensors and algorithmic driving scorecards are replacing territory-based rating tables amid mounting scrutiny from state insurance commissioners. InsurTech compliance@prismpolicy.com (Dr. Maya Lin, Actuarial Lead) https://prismpolicy.com/#post/state-regulatory-surplus-requirements-life-carriers https://prismpolicy.com/#post/state-regulatory-surplus-requirements-life-carriers Fri, 28 Aug 2026 12:00:00 GMT Examining life and annuity carrier allocation shifts toward asset-backed securities (ABS) and how state insurance departments calculate statutory asset valuation reserves. Industry News compliance@prismpolicy.com (Julian Thorne, CFA, FSA) https://prismpolicy.com/#post/underwriting-cyber-risk-ransomware-aggregation https://prismpolicy.com/#post/underwriting-cyber-risk-ransomware-aggregation Mon, 24 Aug 2026 12:00:00 GMT A deep dive into cyber treaty exclusions, Lloyd\'s market bulletins on state-sponsored cyber warfare, and mandatory multi-factor authentication warranty schedules. InsurTech compliance@prismpolicy.com (Claire Tremblay, CISO, CPCU) https://prismpolicy.com/#post/coordinating-deductibles-multi-policy-bundles https://prismpolicy.com/#post/coordinating-deductibles-multi-policy-bundles Wed, 19 Aug 2026 12:00:00 GMT Essential underwriting guidance for high-net-worth households on avoiding uninsurable gaps between primary auto, homeowners, and excess liability layers. Consumer Guides compliance@prismpolicy.com (Arthur Vance, CPCU)