Panorama 2026: Property & Casualty and Employee Benefits Insurance
What major trends are emerging for the insurance market in 2026?
2026 Edition
Discover our 2026 economic outlook, the result of an in-depth analysis of the insurance markets, aimed at companies of all sizes, particularly medium-sized enterprises. This document offers a technical yet clear and accessible overview, sector by sector, as well as our practical recommendations to support your decisions.
At Verlingue, we believe that sustainable performance is based on informed risk management, developed with you, in line with your specific challenges. Our independence guarantees an unbiased and committed approach, our expertise ensures tailor-made solutions, and our proximity allows you to act with confidence in a constantly changing environment.
‘In a context of uncertainty and transition, companies of all sizes face a dual challenge: seeking budget optimisation while maintaining solid, sustainable coverage. More than ever, risk management has become an essential lever for their organisation’s performance and resilience, and social protection a factor in employee engagement.’
Vincent Harel
Directeur général Verlingue
Different perspectives
The dynamics of the P&C and EB insurance market
We are convinced that organisations capable of anticipating change, securing their processes and promoting proactive risk management will be best equipped to navigate an uncertain environment.
By cultivating this agility and resilience, they will be able to transform challenges into sustainable opportunities.
Sébastien Lenne
P&C Director
‘Costs related to natural events have remained contained since the beginning of the year and reinsurance capacity remains high. Similarly, inflation remains at a standard level, easing some of the pressure on long-term insurance lines in particular.’
Christophe Hartmann
EB Director
‘The overall market trend is continuing to see significant increases in healthcare costs of between 5% and 8% for the third consecutive year. The majority of market players are aiming for a technical balance of around 97% to 98%, which is driving targeted price adjustments.’
Understand, anticipate, act
Our teams are committed to supporting you with rigour, transparency and dedication. Working with Verlingue means choosing a trusted partner who puts your performance and peace of mind at the heart of their priorities.