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The world of insurance delivered. Insurance Industry News carefully curated by insurance industry experts. Stay up to date on breaking news, industry changes and updates, and press releases from all the major players.

SaaS Is Reshaping Insurance

As reported in the Los Angeles Times, the insurance industry — historically tied to legacy systems and manual processes — is undergoing a rapid digital shift driven by Software-as-a-Service (SaaS). For insurance agencies and carriers, this is not just a technology trend; it is quickly becoming a competitive requirement.

SaaS platforms are replacing fragmented, on-premise systems with cloud-based, integrated solutions that streamline core functions such as underwriting, billing, and claims. The result is faster deployment, lower infrastructure costs, and the ability to scale operations more efficiently. Agencies working with carriers that adopt these systems may notice quicker turnaround times and more seamless collaboration.

The article highlights that, in 2026, more insurers are expected to move away from legacy systems despite ongoing concerns around data migration and security. The pressure is coming from both evolving customer expectations and a changing regulatory environment. Agencies should recognize that speed, flexibility, and digital capabilities are increasingly influencing carrier performance and client satisfaction.

Automation is one of the most immediate benefits. SaaS platforms leverage artificial intelligence and machine learning to reduce manual work, particularly in underwriting and claims processing. Tasks that once took days can now be completed in significantly less time. For agencies, this can translate into faster quoting, improved service, and stronger client retention.

Another key shift is the use of real-time data and analytics. Insurers are using SaaS platforms to aggregate large datasets and assess risk more accurately. This allows for more personalized policies and proactive risk management. Agencies can use these insights to better advise clients and position coverage more strategically.

Customer experience is also evolving. Insurers are increasingly competing on digital convenience, not just price. SaaS-driven tools — such as online scheduling, digital policy management, and faster claims handling — are raising expectations across the board. Agencies that align with tech-forward carriers will be better positioned to meet these demands.

Usage-based insurance models are another development to watch. Platforms that track behavior, such as driving habits, allow for more precise pricing. This creates opportunities for agencies to offer clients more tailored and potentially cost-effective coverage options.

Additionally, SaaS is transforming payment systems. Digital payment capabilities are replacing manual processes, improving cash flow, and reducing administrative burdens. This can simplify transactions for both agencies and clients.

Perhaps most notably, SaaS is lowering barriers to entry in the insurance market. New insurtech firms can launch quickly without heavy infrastructure investment, increasing competition. Traditional carriers — and the agencies that represent them — must adapt to keep pace.

Get the latest insurance market updates and discover exclusive program opportunities at ProgramBusiness.com.

Kin Insurance Expands Into Oklahoma, Enters State as New Market Competitor

Digital home insurance provider Kin announced on April 16 its expansion into Oklahoma, marking the company's entry into a state it describes as having limited insurer competition and significant severe-weather exposure.

The Chicago-based company said it will offer direct-to-consumer home insurance policies in Oklahoma, using property-level data and risk modeling to price coverage. Kin operates without external agents, a model the company says allows it to provide more competitive pricing.

"Oklahoma hasn't seen a new home insurer enter in years, and a small number of companies control most of the market," said Kin Founder and CEO Sean Harper. "We're entering the state with a different approach — competitive pricing, dynamic risk management, and a real appetite to grow."

Oklahoma presents notable underwriting challenges. The state recorded 152 tornadoes in 2024, its highest single-year total on record. The state is also widely considered one of the most hail-prone in the country, with hail exceeding two inches in diameter reported regularly.

Kin Chief Insurance Officer Angel Conlin said the company's technology platform is central to its approach to those risks. "Kin simplifies the insurance process — from receiving an instant quote to navigating the claims process after a storm," Conlin said.

The company evaluates individual properties using thousands of data points rather than applying broad regional assumptions to pricing. Kin said that the approach is designed to benefit homeowners who have made resilience improvements to their properties.

Oklahoma marks Kin's 14th state. The company now operates in Alabama, Arizona, California, Colorado, Florida, Georgia, Louisiana, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. Together, those states represent more than 50% of the total addressable home insurance market, according to Kin.

As of April 15, 2026, the company reported a 4.7 out of 5 rating on Google based on more than 8,480 reviews, an A+ rating, and 4.8 out of 5 with the Better Business Bureau based on 1,387 reviews, and an "Excellent" rating of 4.8 out of 5 on Trustpilot based on 7,329 reviews.

In addition to home insurance, Kin offers auto insurance and home finance services, including mortgage and refinancing products.

Stay informed and ahead of the curve — explore more industry insights and program opportunities at ProgramBusiness.com.

Amwins Expands Inland Marine Capabilities Through New Carrier Relationship With Sentry

Amwins Program Underwriters (APU) has formed a new carrier partnership with Sentry Insurance to support its Inland Marine Contractors' Equipment Program. APU is part of the Amwins Underwriting division.

Key facts:

Program covers owned, rented, and borrowed contractor equipment
Covered equipment includes cranes, riggers, concrete pumpers, and millwrights
Coverage is written by specialists with 50 years of combined inland marine experience
Distributed through Amwins brokers and retail partners
Offers admitted and non-admitted solutions backed by Sentry's A+ rated paper
Complements APU's existing crane & rigging general liability program

The program provides coverage for equipment central to contractor operations. In addition to cranes, riggers, concrete pumpers, and millwrights, protection extends to owned, rented, and borrowed equipment. Specialists with 50 years of combined inland marine experience will write coverage. The program is distributed through Amwins brokers and retail partners and adds to APU's broader suite of construction-related offerings. It provides admitted and non-admitted solutions, backed by Sentry's A+ rating. Heather Frain, senior vice president and head of inland marine at APU, said the program addresses a clear need. "Contractors rely on their equipment to keep business moving, and when that equipment is at risk, so is their bottom line," she said. "This new offering positions us right at the intersection between efficiency and expertise, allowing us to identify gaps in coverage and quickly solve our clients' needs." Jon Beckham, president of APU, said the partnership brings together underwriting discipline and carrier access. "We're combining underwriting discipline with access to top-rated carriers like Sentry to bring smarter solutions to market and deliver the coverage contractors truly need," he said. Heather Schenker, head of specialty insurance at Sentry, said the relationship reflects shared priorities. "This relationship aligns with our values of integrity, strength, and service and reflects our shared commitment to helping businesses protect their assets, reduce downtime, and get back to work quickly when the unexpected happens," she said. For more information, visit Amwins Program Underwriters’ Inland Marine Contractors Equipment Program. About Amwins Program Underwriters Amwins Program Underwriters (APU) is an in-house managing general agent (MGA) within Amwins, providing brokers with exclusive access to a comprehensive portfolio of specialty programs. Backed by the resources and market relationships of one of the largest wholesale distributors in the U.S., APU delivers competitive rates, superior service, and deep underwriting expertise across a range of specialty lines—including professional liability, casualty, and property programs. About Amwins Amwins is the largest independent wholesale distributor of specialty insurance products in the U.S., dedicated to serving retail insurance agents by providing property and casualty products, specialty group benefits, and administrative services. Based in Charlotte, N.C., the company operates through more than 138 offices globally and handles premium placements in excess of $50 billion annually. For more information, visit amwins.com. About Sentry Sentry Insurance is one of the largest and most financially secure mutual insurance groups in the United States, holding a Financial Strength Rating of A+ (superior) from AM Best, current as of June 2025, and maintain a Financial Size Category of XV – the largest category AM Best makes available. See ambest.com/ratings/guide.pdf for rating information. Beyond its core offerings of property and casualty insurance, life insurance, annuities, and retirement programs for businesses and individuals, Sentry has expanded its expertise into the specialty insurance market with Sentry Specialty. The division writes both non-admitted business through Point Excess and Surplus Insurance Company and admitted business through Point Specialty Insurance Company. Headquartered in Stevens Point, Wisconsin, Sentry employs over 5,000 associates across the country. See a complete list of underwriting companies at sentry.com. Get the latest insurance market updates and discover exclusive program opportunities at ProgramBusiness.com.

Louisiana Bill Targets Captive Insurance in Trucking Sector

A proposed bill in Louisiana is drawing attention across the trucking insurance market as lawmakers and industry participants weigh its potential effects.

Rep. Edmond Jordan, D-Baton Rouge, introduced House Bill 932, which focuses on the use of captive insurance arrangements within the trucking industry. Supporters describe the measure as a response to rising premiums, while critics raise concerns about cost impacts and regulatory overreach.

Captive Insurance Structures In Focus

Captive insurance companies allow business owners to create their own insurance entity to supplement traditional coverage. In this setup, the business pays premiums to its captive insurer, similar to a standard policy.

Captives can provide broader coverage than traditional commercial policies, including risks that may not be covered elsewhere. They also give owners more control over claims handling and policy design, allowing coverage to align more closely with specific operational risks.

Concerns About Market Dynamics

According to the bill’s sponsor, the measure addresses a strained trucking insurance market in Louisiana. The bill cites adverse selection linked to captive insurance as a contributing factor.

The legislation states that trucking insurance premiums in the state have increased, with small and independent carriers experiencing significant pressure. It also points to a trend in which large national trucking companies rely more heavily on captive insurance structures.

The bill argues that when lower-risk companies move away from the traditional insurance market and retain premiums within captive programs, the remaining pool faces increased pressure. This shift may contribute to higher premiums for carriers that continue to rely on standard insurance coverage.

To address this, HB932 would require captive insurers to contribute annually to a market access fund. Payments would be based on the amount of premium retained within the captive structure.

Industry Response And Criticism

Opponents of the bill argue that captive insurance and risk retention groups are established, regulated mechanisms for managing risk. They maintain that these structures are used by trucking companies to address coverage needs that traditional insurers may not meet.

Critics also characterize the proposed payments as a financial burden on companies that use alternative risk strategies. They suggest that the requirement functions as a targeted cost on retained premiums.

Additionally, some stakeholders raise concerns about potential conflicts with federal law, specifically the Liability Risk Retention Act, which governs certain insurance arrangements across state lines.

There are also warnings about unintended consequences. Critics indicate that the measure could increase costs and limit insurance availability for trucking companies, including those it aims to support.

Legislative Status

HB932 has been assigned to the Louisiana House Insurance Committee for more than a month. The bill is awaiting further consideration as discussions continue among lawmakers and industry participants.