Reinsurance Pressures for 2026: How Carriers Can Gain the Edge
As we head into 2026, reinsurers are under sustained pressure from climate volatility, inflation, and increased loss activity. But amid the uncertainty, one message has been consistent across every renewal season and reinsurer report: credible, transparent data is now the single biggest differentiator for carriers seeking favorable terms.
Here are four pressure dynamics shaping today’s reinsurance market—and how our solutions help you stay ahead when it comes to 2026 reinsurance renewal trends.
Why Reinsurers Are Becoming More Selective in 2026
Capacity is Tightening, and Selectivity Is Rising
While global reinsurance capital reached roughly $735 billion by mid-2025, according to Aon, reinsurers are becoming increasingly selective about the risks they accept. They’re focusing on disciplined portfolios with strong risk controls and pulling back from high-catastrophe exposures.
That means carriers are no longer competing solely on price. You’re competing on proof that your book reflects well-managed, resilient risk.
Higher Attachment Points and Retentions Demand Stronger Analytics
Reinsurers are shifting more of the early loss burden back onto carriers. That means your analytics need to do more than look good on paper. To avoid absorbing hidden volatility, carriers need accurate, property-level visibility that reflects real-world risk.Reinsurers Want Transparent, Verifiable Data—Not Estimates
Reinsurers are done with incomplete spreadsheets and subjective assessments. They want objective, verifiable, property-level intelligence that builds confidence in your underwriting decisions and risk selection. Without that clarity, carriers face a triple hit: higher costs, restricted coverage, and in some cases, loss of reinsurance access altogether.Catastrophe Trends Are Front and Center
Severe thunderstorms, wildfires, hail, and record hurricane activity have made CAT risk the headline in every renewal conversation. Reinsurers are scrutinizing not just models but the quality of the data feeding them. Carriers that can back up their CAT models with reliable, validated inputs will have a distinct advantage.
How JMI Reports Helps Carriers Meet the Challenge
JMI Reports equips carriers with the kind of high-quality property intelligence that strengthens reinsurance submissions and builds trust with partners. With aerial imagery, AI-driven insights, and verified inspections, JMI’s innovative reporting tools enable carriers to:
Elevate portfolio transparency – Document risk quality with defensible, property-level data that reinsurers can rely on.
Improve CAT modeling accuracy – Supply credible inputs to strengthen loss projections and make renewal discussions smoother.
Replace guesswork with measurable scoring – Use objective, repeatable tools that reinsurers recognize as reliable.
Enhance negotiating leverage – Present reinsurance partners with proven data that positions your company as a disciplined, data-driven carrier.
Staying Competitive in 2026
The challenges in reinsurance next year won’t be solved by cost-cutting or negotiation tricks alone. Carriers that stand out will be the ones who can show reinsurers exactly what’s in their portfolios, backed by reliable, transparent data.
JMI Reports helps carriers do just that—providing actionable property insights today so you’re ready not just for 2026 renewals, but for whatever comes next in the reinsurance market.
Ready to Strengthen Your 2026 Reinsurance Submission?
If your organization is preparing for reinsurance renewals or wants to boost portfolio transparency, now is the time to act.