APCIA's 2026 Advocacy Priorities for Stronger Insurance Markets

The American Property Casualty Insurance Association (APCIA) has announced its advocacy priorities for 2026, concentrating on enhancing private competitive markets to ensure access to affordable insurance coverage for personal and commercial needs. This focus on market enhancement aims to address both regulatory challenges and risk management across the insurance industry.

Advancing Strong Insurance Markets

David A. Sampson, the association's president and CEO, emphasized that APCIA's mission for 2026 underscores its unwavering dedication to safeguarding consumers and businesses by fostering competitive markets. He noted the importance of addressing potential underwriting challenges and risks that could affect payer and provider interactions within the industry.

Tackling Legal System Challenges

Key areas for APCIA include addressing legal system issues that affect insurance affordability. Unchecked litigation practices, termed a "tort tax," have resulted in increased costs for families and businesses. The APCIA advocates for increased transparency in third-party litigation funding and seeks reform of misleading legal advertising to prevent frivolous lawsuits.

Enhancing Regulatory Compliance and Resilience

Moreover, APCIA plans to support state-based insurance regulation enhancements to uphold risk-based pricing and promote competitive markets. Initiatives include advocating for auto safety laws, ensuring tax parity, and investing in disaster resilience. The association also prioritizes the reauthorization and improvement of the National Flood Insurance Program (NFIP), reflecting its strategic effort to mitigate emerging industry risks while stabilizing markets for consumers and businesses.