The Hartford posts solid Q3 2025 financial results with 41% net income growth, strong property & casualty and business insurance performance, and enhanced cyber coverage for small businesses.

TD Cowen's recent field trip reveals mixed views on casualty insurance pricing, specialty lines potential, reserve adequacy concerns, and cyber risk underwriting challenges.

In 2024, evolving AI regulations and rising medical costs significantly impact U.S. insurance sectors, influencing cybersecurity coverage and workers' compensation in key states like Colorado and New Jersey.