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Increasing Inflation on Liability ̽»¨¾«Ñ¡ – Impact as of Year-End 2024

This analysis extends earlier studies on personal and commercial auto liability insurance, calculating the cumulative effect of both economic inflation and legal system abuse on these portfolios. See also: Press release.

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Triple-I chart of the week: The Fed cut interest rates again as tariffs drive consumer prices up
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Disasters + Preparedness In case of a flood

Floods occur in every region and 90 percent of all natural disasters the United States involve some type of flooding. Minimize the damage and losses from a flood by taking these precautions.

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Crime + Fraud How legal system abuse drives social inflation
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Disasters + Preparedness ̽»¨¾«Ñ¡ for wildfires
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Life ̽»¨¾«Ñ¡ Tips for finding a lost life insurance policy
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Homeowners + Renters ̽»¨¾«Ñ¡ What should new homebuyers know about homeowners insurance?
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Insight + Analysis

About the Industry Careers in insurance

The Triple-I highlights the wide range of career opportunities in the insurance industry and underscores its essential role in risk management. Resources for job seekers and students include The Institutes’ , the and the .

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̽»¨¾«Ñ¡ Industry ̽»¨¾«Ñ¡ Economics for Property Casualty
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About the Industry Triple-I Issues Briefs: State of the risk; Trends and Insights
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I.I.I. Glossary

DEMAND DEPOSIT- Customer assets that are held in a checking account. Funds can be readily withdrawn by check, “on demand.”

BEACH AND WINDSTORM PLANS- State-sponsored insurance pools that sell property coverage for the peril of windstorm to people unable to buy it in the voluntary market because of their high exposure to risk. Seven states (AL, FL, LA, MS, NC, SC, TX) offer these plans to cover residential and commercial properties against hurricanes and other windstorms. Georgia and New York provide this kind of coverage for windstorm and hail in certain coastal communities through other property pools. ̽»¨¾«Ñ¡ companies that sell property insurance in the state are required to participate in these plans. Insurers share in profits and losses. (See Fair access to insurance requirements plans / FAIR plans, Residual market )

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I.I.I. News Wire

Legal System Abuse, Not Just Economic Inflation, Drives Liability ̽»¨¾«Ñ¡ Losses by More than $230 Billion Over Past 10 Years, New Triple-I – Casualty Actuary Society Analysis Shows

For Immediate Release: MEDIA CONTACT: New York Press Office, 212-346-5500, media@iii.org MALVERN, Pa., Oct. Read More

Triple-I's Issues Brief Explains Benefits, Addresses Misconceptions of Risk-Based Pricing in ̽»¨¾«Ñ¡

For Immediate Release Media Contact: Media@iii.org   MALVERN, Pa., Oct. Read More

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Events Calendar

̽»¨¾«Ñ¡ in Transition: Economic Forces Reshaping 2026
December
10
2025
Triple-I chief economist and data scientist Dr. Michel Léonard will be participating in the Ì½»¨¾«Ñ¡ Accounting & Systems Association (IASA)  webinar: Ì½»¨¾«Ñ¡ in Transition: Economic Forces Reshaping 2026. The webinar takes place December 10, 2025 at 1:00 PM - 2:00 PM EST.
Triple-I/Milliman ̽»¨¾«Ñ¡ Economics and Underwriting Projections: A Forward View
January
21
2026
MEMBERS-ONLY: Join us for the Q1 exclusive, members-only briefing Wednesday, January 21, 11am - 12pm ET. You’ll learn about enhanced economic indicators of inflation and growth to help inform future underwriting projections and a forward-looking view at the P&C industry underwriting performance, including combined ratio, premium growth, and rate impact across all major product lines. Please contact members@iii.org for the secure registration link.
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