{"id":3756,"date":"2026-01-27T17:29:04","date_gmt":"2026-01-27T17:29:04","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/2025-key-insurance-developments-and-trends-for-2026-hinshaw-culbertson-insights-for-insurers\/"},"modified":"2026-01-27T17:29:04","modified_gmt":"2026-01-27T17:29:04","slug":"2025-key-insurance-developments-and-trends-for-2026-hinshaw-culbertson-insights-for-insurers","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/2025-key-insurance-developments-and-trends-for-2026-hinshaw-culbertson-insights-for-insurers\/","title":{"rendered":"2025 Key Insurance Developments and Trends for 2026 | Hinshaw &#038; Culbertson &#8211; Insights for Insurers"},"content":{"rendered":"<div id=\"html-view-content\">\n<p>In 2025, Hinshaw\u2019s global insurance services team authored several resources on key developments and decisions that impacted the US insurance industry. From our timely commentary just published in Mealey\u2019s to the third edition of our Duty to Defend 50-state survey and whitepapers covering a variety of areas that impact the industry, our team has you covered.<\/p>\n<h3>Featured Insights<\/h3>\n<h4>2025 Key Insurance Decisions, Trends, &amp; Developments &amp; A Look Ahead To 2026<\/h4>\n<p>The \u201c2025 Key Insurance Decisions, Trends, &amp; Developments &amp; A Look Ahead To 2026\u201d commentary, written by Scott Seaman, Pedro Hernandez, and Jordan Evans, examines key trends, developments, and decisions impacting the US insurance industry in 2025 and forecasts potential trends and developments for \u201cAmerica 250\u201d in 2026.<\/p>\n<p>These include social inflation, changes in public policy from the Biden Administration to the second Trump Administration with respect to ESG, DEI, artificial intelligence, and cybersecurity.<\/p>\n<p>They also look at key decisions and developments relating to cybersecurity, privacy, PFAS, COVID-19 business interruption, drugs, guns, insurrections, construction defects, D&amp;O and securities, health, silica, asbestos, environmental, weather-related claims, bad-faith, and extra-contractual liability.<\/p>\n<h4>The Duty to Defend \u2013 A Fifty-State Survey: Third Edition<\/h4>\n<p><em>The Duty to Defend \u2013 A Fifty-State Survey: Third Edition<\/em> begins with an introduction that examines the duty to defend.<br \/>It contains 50 chapters\u2014one for each US state\u2014addressing 11 of the most critical issues regarding the duty to defend in a question-and-answer format, including:<\/p>\n<ul>\n<li>the standard for determining whether an insurer has a duty to defend<\/li>\n<li>consideration of extrinsic evidence<\/li>\n<li>what constitutes a \u201csuit\u201d<\/li>\n<li>when the duty to defend begins and ends<\/li>\n<li>mixed claims<\/li>\n<li>policyholder\u2019s right to independent counsel<\/li>\n<li>insurers\u2019 rights of recoupment<\/li>\n<li>pre-tender costs<\/li>\n<li>consequences of a breach of the duty to defend<\/li>\n<\/ul>\n<h3>Additional Hinshaw Insurance Law Resources<\/h3>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In 2025, Hinshaw\u2019s global insurance services team authored several resources on key developments and decisions that impacted the US insurance industry. From our timely commentary just published in Mealey\u2019s to the third edition of our Duty to Defend 50-state survey and whitepapers covering a variety of areas that impact the industry, our team has you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3757,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2374,2372,2373,230,11,374,1635,522],"class_list":["post-3756","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-culbertson","tag-developments","tag-hinshaw","tag-insights","tag-insurance","tag-insurers","tag-key","tag-trends"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/3756","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=3756"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/3756\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/3757"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=3756"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=3756"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=3756"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}