If 2025 taught us anything, it’s that risk rarely moves in straight lines. Inflation didn’t vanish when interest rates peaked, climate events didn’t wait for model updates, and geopolitical tensions didn’t pause for supply chain recovery.

For underwriters, the challenge isn’t about navigating a hard or soft market, it’s about pricing reality when volatility becomes the new normal. Every decision demands discipline, not just in rate, but in understanding exposures, validating data, and anticipating the unexpected.

At Omnyy, we leaned into our core underwriting principles: data fidelity, contract certainty, and portfolio agility. This guided us through a year where clarity was the most valuable currency.

 

2026 Horizon: What We Know Today

As we look ahead, 2026 will reward precision over sweeping market cycles. Capacity will flow to risks with demonstrable controls and credible data, and will retreat where ambiguity or aggregation threatens resilience.

Though headline inflation may cool, economic pressure remains and claims inflation persists, driven by wage growth, repair costs, and litigation. For property portfolios, valuation accuracy is critical; under-declared schedules create balance sheet shocks when catastrophe strikes. Similarly, in the liability sphere, social inflation and litigation funding continue to lengthen the tail, demanding sharper focus on indemnity periods, sums insured, and governance frameworks.

As global tensions persist and supply chains remain fragile, geopolitical friction continues to add layers of complexity to the risk landscape and Terrorism risk remains persistent. Meanwhile, professional sectors face expanding duty-of-care interpretations, particularly in healthcare and advisory roles. These shifts underscore the importance of defensible documentation and strong governance, qualities that will define the best-prepared insureds.

 

The Risk Landscape Through Our Lens

Our clients span sectors where precision matters most; medical practices, professional services firms, and businesses navigating complex operational footprints. Whether it’s structuring a medical malpractice program, crafting professional indemnity coverage, or managing terrorism aggregation, the principle remains the same: sustainable capacity through disciplined underwriting.

Emerging lines also demand equal rigor, and clarity on governance, indemnity periods, and aggregation exposure will separate risks that attract capacity from those that don’t.

 

Omnyy’s Approach to Risk

In a world that refuses to stand still, our philosophy is simple:

  • Transparency in appetite
  • Recognition for continuous risk development
  • Speed for well-documented submissions

 

Connect with our team today to learn how Omnyy can help you secure tailored solutions for your business.

 

Sincerely,

Sam Martin

Underwriting Director