{"id":4865,"date":"2026-06-22T18:40:39","date_gmt":"2026-06-22T18:40:39","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/best-insurers-for-claims-in-the-usa-5-star-claims\/"},"modified":"2026-06-22T18:40:39","modified_gmt":"2026-06-22T18:40:39","slug":"best-insurers-for-claims-in-the-usa-5-star-claims","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/best-insurers-for-claims-in-the-usa-5-star-claims\/","title":{"rendered":"Best Insurers for Claims in the USA | 5-Star Claims"},"content":{"rendered":"
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Jump to winners<\/strong><\/u> |\u00a0<\/span>Jump to methodology<\/strong><\/u><\/p>\n

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Excellence under pressure: how America\u2019s top claims insurers are winning broker trust<\/h2>\n

Sixteen US insurance carriers have earned Insurance Business America\u2019s 5-Star Claims designation for 2026, as rated by brokers across the country on claims management, communication, and operational efficiency. This report identifies which companies earned the designation and what they do differently.<\/p>\n

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Introduction \u2013 The pressure cooker:

\nUS commercial claims in 2026<\/strong><\/h2>\n

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\nAmerican brokers have a simple test for the carriers they recommend: be there when it matters. In commercial insurance claims \u2013 the moment of truth in every policy \u2013 that test is harder than ever to pass in 2026. Rising litigation severity, nuclear verdicts, and a litigation funding industry pouring billions into plaintiff-side cases have made the US claims environment one of the most challenging in the world. Against that backdrop, Insurance Business America<\/em>\u2019s 5-Star Claims 2026 report identifies the best insurers for claims in the US, as rated by brokers across the country.<\/p>\n<\/div>\n

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The 2026 designation was awarded following a comprehensive two-phase broker-rated research process. Brokers were first invited to nominate the insurers they believed delivered the best claims management and claims handling, rating them across key performance indicators. Carriers that received sufficient broker nominations were then invited to submit detailed evidence of their claims capabilities. Final designations were awarded to those organizations that achieved outstanding broker ratings while also demonstrating excellence in claims management, operational efficiency, and broker engagement. Sixteen insurers earned the 5-Star Claims designation for 2026.<\/p>\n

The 16 insurers that earned the 5-Star Claims designation for 2026 are the following:<\/p>\n

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The findings point to a clear pattern \u2013 the carriers brokers trust most for commercial insurance claims are those that:<\/p>\n

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    communicate with consistency

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    deploy specialist expertise

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    use technology to free their people to exercise judgment, not to replace it

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    135<\/p>\n

    Nuclear verdicts in 2024 (above $10M)<\/p>\n

    TransRe Social Inflation Overview, 2025<\/p>\n<\/div>\n

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    +52%<\/p>\n

    Year-over-year increase from 2023<\/p>\n

    TransRe Social Inflation Overview, 2025<\/p>\n<\/div>\n

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    $31.3B<\/p>\n

    Total value of nuclear verdicts, 2024<\/p>\n

    TransRe Social Inflation Overview, 2025<\/p>\n<\/div>\n

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    +116%<\/p>\n

    Increase in total verdict value vs 2023<\/p>\n

    TransRe Social Inflation Overview, 2025<\/p>\n<\/div>\n<\/div>\n