Mark Friedlander

ALT Aerial view of a highway with multiple lanes and vehicles, overlaid with a report title on motor vehicle tort litigation by William Nibbelin.

ALT A house with lights on is shown in the foreground with a luxury car parked beside it. Text above reads, "Triple-I Insurance Affordability Index: Where Risk, Resilience and Affordability Meet." A button below says, "View Now." The background features a graph with upward trending lines.

ALT This infographic titled "Liability claims of dog-related injuries in 2025" from the Insurance Information Institute and ASPCApro illustrates statistics and advice about dog bites. It reports 28,450 expected claims, $65,450 average cost per claim, and a 97% increase over ten years. It encourages responsible pet ownership with tips like researching breeds, attending training classes, and socializing dogs. Advises on never approaching unknown dogs and avoiding children under 10 being alone with a dog. Includes dog silhouettes for visual emphasis.

ALT A chart about Real GDP Growth by quarter shows data Q1 2025 through Q1 2026, plus an advanced estimate for Q2 2026. Notably, GDP had been accelerating Q125-Q325, dipped down in Q4 25, shot up in Q126, and dropped back down again in Q2 26 advanced estimate to below Q3 2025. Real GDP growth slowed to 2.10% YoY in Q2 2026. GDP growth remains positive but does not continue the acceleration seen in Q1. Deceleration of growth in Q2 may be attributed to conditions such as the Iran conflict. Pre-conflict inflation was also already high enough to cause GDP to decelerate. The average GDP growth over the last four quarters is 2.28% YoY. The BEA releases three GDP estimates each quarter; advanced, second, and third. The next will be released Aug. 26.

ALT An image depicting a forest on fire at night, with flames and smoke visible. The foreground features a blue text box containing the message: "Wildfire: State of the Risk. Extreme heat, drought and wind have fueled an unusually active 2026 season, while communities far beyond the Western U.S. are experiencing growing wildfire exposure." An arrow points to the right.

ALT A forest is shown on fire at night, with flames visible among the trees. The text reads: "Wildfire: State of the Risk. More than 35,000 wildfires burned over 3 million acres during the first half of 2026, well above the 10-year average." An arrow is at the bottom right.

ALT Image showing a wildfire burning through a forest, with text overlay. The text reads: "Wildfire: State of the Risk. About 46 million homes sit within the wildland urban interface, where development meets unoccupied land. As this zone expands by roughly 2 million acres each year, more communities face wildfire risk." There is an arrow pointing right at the bottom.

ALT Forested area on fire under a dark sky. Text below reads: "Wildfire risk is evolving. Understanding the trends can help strengthen resilience. Learn more at iii.org.

ALT A dramatic scene of multiple bright lightning bolts striking down from a cloudy sky over a silhouetted mountain range. In the foreground, power lines are faintly visible, with a dark purple hue dominating the sky.

ALT A dense forest is engulfed in flames, with fire lighting up the night sky. Tall trees are silhouetted against the intense orange and red glow of the wildfire.

ALT A hand using a stylus points at a digital screen displaying colorful financial graphs and charts, indicating stock market trends.

ALT A detailed map showing parts of southern United States, featuring highlighted regions of Louisiana, Mississippi, Arkansas, and Texas. Major cities such as Baton Rouge, New Orleans, Lafayette, and Alexandria are labeled. Highways and rivers are depicted, providing geographical context.

ALT Chart titled “How P&C Insurers Have Capital to Pay Claims: The Past Decade” shows the relatively low levels of underwriting gains the insurance industry makes compared to investment income. Underwriting was only profitable in five of the last ten years, resulting in average loss of $5.1B per year. Over the last 10 years, other industry revenue sources averaged: $63.7B from net investment income, $23.3B from net realized capital gains, $0.9B from fees and other revenues. Carriers allocate most of their income towards policyholders' surplus and assets under management to ensure solvency, including prompt payment of Nat Cat claims.