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Catastrophic Weather - Inflation - Reinsurance Costs Connect with Jeff at R&R Insurance ![Catastrophic.Weather.16.9](https://www.myknowledgebroker.com/hs-fs/hubfs/Catastrophic.Weather.16.9.png?width=284&height=160&name=Catastrophic.Weather.16.9.png) - 2023 marks the 3rd consecutive year with $100B+ Catastrophic Losses - 2023 has eclipsed $100B in global catastrophe losses for the 9th time since 2000 Modeling Catastrophic Losses is difficult. As new patterns emerge, insurance companies are pricing property risks conservatively. ![Inflation.16.9](https://www.myknowledgebroker.com/hs-fs/hubfs/Inflation.16.9.png?width=284&height=160&name=Inflation.16.9.png) - Building & construction materials prices are increasing in the range of 4% to 11%, year over year - Used vehicles prices, collision repair parts and chips are driving much in the increase in auto insurance The cumulative effect of inflation, including labor costs, is driving claim costs up for insurance companies.  Insurance rates are being increased to keep up with this inflationary trend.  ![ReinsuranceCosts.16.9](https://www.myknowledgebroker.com/hs-fs/hubfs/ReinsuranceCosts.16.9.png?width=284&height=160&name=ReinsuranceCosts.16.9.png) - Reinsurance premiums for insurance carriers are rising significantly - Loss retention levels have in many cases doubled or tripled These higher premiums and higher retention levels mean more insurance company capital is at risk. These increasing costs are being passed through to businesses and consumers.  ![FamilySmaller](https://www.myknowledgebroker.com/hubfs/FamilySmaller.jpg "FamilySmaller") Why partner with R&R Insurance? - Ownership Model - Professional Services - Business Insurance Top 100 Broker About R&R Insurance Serving the Midwest since 1975, R&R Insurance Services has grown to be one of the largest independently owned insurance agencies in the region. We represent top rated national and regional insurance carriers. As a top performer we are granted elite access to markets, products and programs giving us the flexibility to match each client with the best carrier – whether it’s coverage for business, personal or health insurance needs. We work closely with our clients to help determine the best coverage for their company and their families. ![9](https://www.myknowledgebroker.com/hs-fs/hubfs/9.png?width=284&height=160&name=9.png) - Our independent model means we make our own decisions, and are accountable to our clients - We are client focused, not shareholder focused and invest in our business for the long term As a third-generation family owned, Business Insurance Top 100 agency you can count on our stability during times of uncertainty.  Our client value approach stands out amongst our peers. ![Professional Services](https://www.myknowledgebroker.com/hs-fs/hubfs/Professional%20Services.png?width=284&height=160&name=Professional%20Services.png) - Our team of  over 20 Professional Services employees support our client focused approach - Professional services designed to improve your risk program and manage your total cost of risk Industry professionals with technical expertise in claims management, loss prevention strategies, data and analytics and account management services set us apart from our competitors. ![8](https://www.myknowledgebroker.com/hs-fs/hubfs/8.png?width=284&height=160&name=8.png) - Executive Level Relationships with insurance companies that specialize in your industry - Local Execution, with global capabilities through our ownership stake in Assurex Global Scale, buying power and relationships matter in our business.  Our size and operating model is attractive to insurance companies. We take growth and profitability seriously, and our insurance company partners work with us daily to protect all of our clients in today’s uncertain world. ![Lobby](https://www.myknowledgebroker.com/hs-fs/hubfs/Lobby.png?width=1920&height=1252&name=Lobby.png "Lobby") Issues we're watching - Legal System Abuse - Insurance Company Capacity - Cyber Crime / Events ![13](https://www.myknowledgebroker.com/hs-fs/hubfs/13.png?width=284&height=160&name=13.png) - Plaintiff attorney advertising and solicitation annually exceeds over $1.0B - Third party litigation funding, driven by private equity is contributing to increased litigation costs Sometimes referred to as “social inflation”  - where societal and legal trends are driving more and larger lawsuits creating great concern for companies of all sizes, in all industries. ![14](https://www.myknowledgebroker.com/hs-fs/hubfs/14.png?width=284&height=160&name=14.png) - Insurance companies being very selective on accounts they are taking on as policyholders - Restricting the amount of insurance they will write in lines like property, umbrella and cyber insurance  As companies become more selective and less willing to deploy higher limits of insurance, these actions remove capacity from the marketplace, resulting in higher premiums due to less competition. ![15](https://www.myknowledgebroker.com/hs-fs/hubfs/15.png?width=284&height=160&name=15.png) - A ransomware attack occurs every 11 seconds - 95% of cyber breaches are caused by human error  Hackers have become more sophisticated, and the risk of a data breach or ransomware attack is higher than ever.  This increased frequency of cyber events, and their increasing costs are requiring cyber insurance carriers to increase premiums significantly. # Ready to connect?  Request a comprehensive policy review from one of our licensed agents.  We'll reach out to gather information and begin our formal review process. Contact Jeff at R&R Insurance ## Business Insurance Resources Our Personal Insurance team is made up of over 20 licensed professionals with broad backgrounds spanning across the insurance industry. Our Sales Executives, Customer Service Agents, and Service Associates are ready to serve you with the highest level of knowledge and expertise. We are thought-leaders and offer industry insights and expertise through our interactive Webinars, Seminars, and Personal Insurance Blog. 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