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S& Global Platts Crude & Refined Products Market
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Affordability and Availability of P&C Insurance
Date: Tuesday, April 28, 2026
Time: 1:00 PM - 2:00 PM EDT
Duration: 1 hour
Personal lines P&C insurers, regulators, and consumers are confronting a widening gap between rising risk costs and what many households and businesses can sustainably pay. Insurers point to higher loss costs driven by a mix of factors including catastrophe frequency and severity, inflation in labor and materials, higher vehicle and building repair complexity, and litigation/claim settlement dynamics. All of which translates into higher indicated rates and tighter underwriting.
At the same time, consumer frustration is rising. Many policyholders are facing broad cost-of-living pressures, and insurance can feel uniquely unavoidable: home and auto coverage are often required to secure a mortgage or loan. Affordability concerns are further amplified by perceptions about insurer profitability general confusion about insurance.
Join a panel of industry experts as we discuss:
- P&C industry profitability and pricing trends
- What is really driving affordability and availability challenges
- The wide range of proposed solutions ranging from underwriting discipline to public private partnerships
Speakers
Dave Jones
Director, UC Berkeley Center for Law, Energy & the Environment
Former California Insurance Commissioner
Scott White
NAIC President
Commissioner Virginia Bureau of Insurance
Bill Martin
President and CEO
Plymouth Rock Home Assurance
Chris Winter
Associate Director, Insurance
S&P Global Market Intelligence
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Affordability and Availability of P&C Insurance
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