The Hidden Redesign of P&C Insurance

P&C Insurance Is Being Rewritten - Quietly but Rapidly.

Filings from the last three years show faster shifts in P&C products than at any point in recent history - and those changes are now surfacing at scale.

Endorsements, exclusions, deductibles, and appetite resets are reshaping coverage and competitive positioning across carriers. But the pace isn't uniform. National carriers, regionals, MGAs, and farm bureaus are moving in different directions - and most teams don't have visibility into how quickly competitors are adjusting forms and filings.

This session breaks down the signals that matter for 2026 product strategy.

‍Drawing on 2M+ carrier filings, Stephanie Kuczynski reveals the real trends reshaping P&C product strategy headed into 2026.

You'll learn what's accelerating, where carriers diverge, and how to translate these shifts into action.

What You Will Gain

• Which changes are accelerating fastest — and where carriers diverge. State-by-state adoption patterns for endorsements, deductibles, and coverage restrictions.
• How strategies differ by carrier size and focus — niche players vs. nationals. The creative, targeted approaches emerging from regionals and MGAs versus the broad strategies deployed by national carriers.
• Where regulators are drawing the line on coverage restrictions. Prepare for closer state-level inspection, due diligence, and shifting expectations across markets.
• How these shifts impact 2026 product strategy and competitive positioning. Why the pace and direction of changes matter — and how to ensure your strategy reflects where the market is heading.

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