PIB Insurance Brokers’ State of the Market Report 2026
Experts from across PIB share insights into current market conditions for the major risk and product areas

PIB Insurance Brokers’ State of the Market Report 2026
Martin Lacey, Chief Broking Officer, introduces this year’s report, in which experts from across PIB share insights into current market conditions for the major risk and product areas. The report discusses the anticipated challenges and developments in the UK insurance market in 2026, focusing on regulatory changes, sustainability pressures, digital transformation, and evolving claims dynamics.
PIB Insurance Brokers’ State of the Market Report 2026 looks at:
- Where underinsurance is being exposed at claim stage
- How climate and reinstatement costs are shaping underwriting
- Why cyber resilience now influences pricing and capacity
- What regulatory developments mean for claims and governance
- Where there is genuine opportunity to improve insurance programme structures and limits
Find out how these can impact you and your business, along with our recommendations to help you achieve a positive outcome.