Welcome to Pulse, M3’s property & casualty report.
Through the lens of rate and risk, we examine how the property & casualty market is affecting our clients across industries, and what risks we are predicting will be a focus throughout 2025.
Construction & Real Estate
Education & Government
Food & Agribusiness
Healthcare
Manufacturing & Distribution
Senior Living & Social Services
Transportation
Tribal Nations
Construction & Real Estate
There’s plenty to be optimistic about in the construction and real estate industries. As a specialized service provider, we’re here to anticipate challenges and work on solutions that keep your business moving forward.
Education & Government
Risk and insurance placement for school districts and public entities is improving in some areas, but key coverage lines are still putting pressure on community budgets. In 2025, districts and entities should focus on risk management, accurate building valuations, and addressing aging infrastructure to secure the best terms.
Food & Agribusiness
As we move further into 2025, food processors and agribusinesses face several evolving challenges. Early discussions with your broker can help prepare for these changes and potential added costs.
Healthcare
The healthcare insurance landscape in 2025 contains a mix of evolving challenges and opportunities as the market softens. Overall, staying ahead of these trends will be key to managing risk and navigating what’s next in healthcare insurance.
Manufacturing & Distribution
The manufacturing and distribution sector is seeing a mix of stability and fluctuation across coverage lines. Additionally, litigation costs are driving challenges across the industry. Outcomes will depend on individual risk profiles and loss histories.
Senior Living & Social Services
Senior living and social services providers have faced a few tough years of rising premiums, with single digit increases still expected depending
on location, ratings, and loss history. While market capacity remains limited, improved performance is bringing some stability.
Transportation
The transportation industry is facing significant shifts in insurance rates, largely driven by the rise in nuclear verdicts – legal rulings where damages exceed $10 million. For organizations operating
fleets, these verdicts directly translate to higher liability premiums and a more challenging insurance market.
Tribal Nations
Tribal nations are navigating many of the same risk and insurance trends seen across various other industries, but with additional complexities tied to expanding operations and entering new markets. As economic development efforts drive growth, premiums and coverage values are increasingly important areas of focus for tribal communities and businesses.
