PROFESSIONAL LIABILITY UPDATES
KEY TRENDS
KEY TRENDS
ERRORS & OMISSIONS
Most Professional Liability lines stayed competitive last year, with the exception of Sexual Abuse and Molestation (SAM) coverage.
SAM remains one of the most challenging segments of the market; however, E&S solutions are available.
HEALTHCARE
Long‑term care facilities continue to see limited market appetite due to elevated claim frequency and ongoing litigation pressures.
Step‑down homes, which provide intermediate acute care, are particularly affected by social inflation and attorney-driven claims.
EXPERT INSIGHTS “
Cyber is the Professional Liability line most likely to see rate increases in 2026. Rising loss frequency and severity, particularly from systemic events, combined with longer claim tails are creating gradual upward pricing pressure.
Andy Wood Senior Vice President Professional Liability
Burns & Wilcox
Chicago, IL
A.I. SPOTLIGHT:
A.I. exposures are emerging that are not clearly addressed by traditional policy language; most standard policies do not affirmatively include A.I. risk.
Standalone A.I. coverage is unlikely near term, with exposure addressed through definitions, endorsements, or sublimits within existing policies.
Carrier approaches are diverging, while the E&S market is expected to help shape coverage as the space evolves.
