--- title: "Part 3: Threats, Trends & Policies That Shaped Insurance Markets in 2019" description: "Part 3: Threats, Trends & Policies That Shaped Insurance Markets in 2019" image: https://www.risk-strategies.com/hubfs/Imported%20sitepage%20images/cal1.jpg --- - Industries Back to Main [ Industries ](https://www.risk-strategies.com/industries) - [ Agriculture ](https://www.risk-strategies.com/industries/agriculture/) - [ Architects & Engineers ](https://www.risk-strategies.com/industries/architects-engineers) - Aviation Back to Aviation [ Aviation ](https://www.risk-strategies.com/industries/aviation) - [ Aviation Business Insurance - Manned Risk ](https://www.risk-strategies.com/industries/aviation/aviation-business-insurance) - [ Non-Owned Aviation ](https://www.risk-strategies.com/industries/aviation/non-owned-aviation) - [ Unmanned Aerial System and Drones ](https://www.risk-strategies.com/industries/aviation/unmanned-aerial-system-and-drone) - [ Cannabis ](https://www.risk-strategies.com/industries/cannabis) - Construction Back to Construction [ Construction ](https://www.risk-strategies.com/industries/construction) - [ Alternative Solutions ](https://www.risk-strategies.com/construction/alternative-solutions) - [ Financing & Pre-Construction ](https://www.risk-strategies.com/construction/financing-and-pre-construction) - [ Insurance Solutions ](https://www.risk-strategies.com/construction/insurance-solutions) - [ Risk Management ](https://www.risk-strategies.com/construction/risk-management) - [ Surety ](https://www.risk-strategies.com/construction/surety) - Dental Back to Dental [ Dental ](https://www.risk-strategies.com/dental) - [ Insurance for Dental Professionals ](https://www.risk-strategies.com/dental) - [ Dental Malpractice Insurance ](https://www.risk-strategies.com/dental-malpractice-insurance) - [ BOP Insurance - Dental Practices & DSOs ](https://www.risk-strategies.com/bop-insurance-dentists-dsos) - [ Dental School Graduates ](https://www.risk-strategies.com/malpractice-insurance-dental-school-graduates-new-dentists) - [ Dental Associates & Hygienists ](https://www.risk-strategies.com/malpractice-insurance-dental-associates-hygienists) - [ Dental Practice Owners ](https://www.risk-strategies.com/liability-insurance-dental-practice-owners) - [ Dental Service Organizations (DSOs) ](https://www.risk-strategies.com/dental-service-organizations-insurance) - Education Back to Education [ Education ](https://www.risk-strategies.com/industries/education/) - [ Employee Benefits for Education ](https://www.risk-strategies.com/industries/education/employee-benefits) - [ Property, Casualty & Liability for Education ](https://www.risk-strategies.com/industries/education/property-casualty-liability-risk-management) - Student Health & Wellness Back to Student Health & Wellness [ Student Health & Wellness ](https://www.risk-strategies.com/industries/education/student-health) - [ Student Health Brokerage and Consulting ](https://www.risk-strategies.com/industries/education/student-health-wellness-brokerage-consulting-services) - [ Student Health Plan Administration ](https://www.risk-strategies.com/industries/education/student-health-wellness-plan-administration) - [ Student Health Insurance Plans ](https://www.risk-strategies.com/industries/education/student-health-insurance) - [ Solutions for Student Athletes ](https://www.risk-strategies.com/industries/education/student-athletes) - [ Student Health & Wellness Tools ](https://www.risk-strategies.com/industries/education/student-health-wellness-tools-and-programs) - [ Special Risk Insurance ](https://www.risk-strategies.com/industries/education/special-risk-insurance-for-college-students) - Entertainment Back to Entertainment [ Entertainment ](https://www.risk-strategies.com/industries/entertainment/) - [ Film & Television ](https://www.risk-strategies.com/industries/entertainment/film-television) - [ Advertising Production Wrap Ups ](https://www.risk-strategies.com/industries/entertainment/advertising-production-wrap-ups) - [ Advertising/PR ](https://www.risk-strategies.com/industries/entertainment/media-advertising-pr) - [ Event Cancellation & Non-Appearance ](https://www.risk-strategies.com/industries/entertainment/event-cancellation-and-non-appearance) - [ Music & Touring ](https://www.risk-strategies.com/industries/entertainment/music) - [ Theatrical Production & Live Performance  ](https://www.risk-strategies.com/industries/entertainment/theatre-plays) - [ Venue Insurance ](https://www.risk-strategies.com/industries/entertainment/venue-insurance) - Financial Services Back to Financial Services [ Financial Services ](https://www.risk-strategies.com/industries/financial-services/) - [ Asset Managers ](https://www.risk-strategies.com/industries/financial-services/asset-managers) - [ Banks & Non-Bank Lending ](https://www.risk-strategies.com/industries/financial-services/banks-and-non-bank-lending) - [ Collections ](https://www.risk-strategies.com/industries/financial-services/collections) - [ Consumer Financial Services ](https://www.risk-strategies.com/industries/financial-services/consumer-financial-services) - [ Financial Tech ](https://www.risk-strategies.com/industries/financial-services/financial-tech) - [ Insurance Companies ](https://www.risk-strategies.com/industries/financial-services/insurance-companies) - Fine Art Back to Fine Art [ Fine Art ](https://www.risk-strategies.com/industries/fine-art/) - Dealers and Auction Houses Back to Dealers and Auction Houses [ Dealers and Auction Houses ](https://www.risk-strategies.com/industries/fine-art/auction-house) - [ Galleries ](https://www.risk-strategies.com/industries/fine-art/gallery) - [ Private Art Dealers ](https://www.risk-strategies.com/industries/fine-art/private-art-dealers) - Collections Back to Collections [ Collections ](https://www.risk-strategies.com/fine-art/private-collectors) - [ Private Collectors ](https://www.risk-strategies.com/private-client-services/collections/) - [ Coins, Paper Money & Numismatics Collections ](https://www.risk-strategies.com/industries/fine-art/coins-paper-money-numismatics) - [ Gold, Bullion & Precious Metal Collections ](https://www.risk-strategies.com/industries/fine-art/gold-bullion-precious-metals) - [ Artists ](https://www.risk-strategies.com/industries/fine-art/artists) - Museums and Foundations Back to Museums and Foundations [ Museums and Foundations ](https://www.risk-strategies.com/industries/fine-art/artist-endowed-foundation) - [ Museums ](https://www.risk-strategies.com/industries/fine-art/museum-insurance) - [ Fine Art Packers / Shippers / Warehouses ](https://www.risk-strategies.com/industries/fine-art/packer) - Healthcare Back to Healthcare [ Healthcare ](https://www.risk-strategies.com/industries/healthcare/) - [ Employee Benefits - Healthcare ](https://www.risk-strategies.com/industries/healthcare/benefits) - [ Managed Care / Stop Loss ](https://www.risk-strategies.com/industries/healthcare/managed-care) - [ Medical Malpractice ](https://www.risk-strategies.com/industries/healthcare/medical-malpractice) - [ Property & Casualty - Healthcare ](https://www.risk-strategies.com/industries/healthcare/property-and-casualty) - [ Reinsurance ](https://www.risk-strategies.com/industries/healthcare/reinsurance) - [ Law Firms ](https://www.risk-strategies.com/industries/law-firms) - Logistics & Transportation Back to Logistics & Transportation [ Logistics & Transportation ](https://www.risk-strategies.com/industries/logistics-transportation/) - [ Last Mile & Final Mile Delivery Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/last-mile-final-mile-delivery-insurance) - [ Trucking Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/trucking-insurance) - [ Intermodal Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/intermodal-insurance) - [ Freight Forwarder Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/freight-forwarder-insurance) - [ Freight Broker Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/freight-broker-insurance) - [ Livery Insurance ](https://www.risk-strategies.com/industries/logistics-transportation/livery-insurance) - Marine & Yacht Back to Marine & Yacht [ Marine & Yacht ](https://www.risk-strategies.com/industries/marine/marine-insurance) - Yacht Insurance For Individuals Back to Yacht Insurance For Individuals [ Yacht Insurance For Individuals ](https://www.risk-strategies.com/industries/marine-yacht/individuals) - [ Mega Yachts ](https://www.risk-strategies.com/industries/marine-yacht/mega-yachts) - [ Cruiser Insurance - Jackline ](https://www.risk-strategies.com/industries/marine-yacht/jackline-program-cruising) - [ One-Design Insurance Program ](https://www.risk-strategies.com/industries/marine-yacht/one-design-insurance-program) - [ Sailors Health Insurance Program ](https://www.risk-strategies.com/industries/marine-yacht/sailors-health-insurance-program-for-us-sailing-members) - [ US Sailing Insurance Solutions ](https://www.risk-strategies.com/industries/marine-yacht/us-sailing-programs) - Commercial Marine Insurance Back to Commercial Marine Insurance [ Commercial Marine Insurance ](https://www.risk-strategies.com/industries/marine/commerical-marine-insurance) - [ Aquaculture ](https://www.risk-strategies.com/industries/marine-yacht/aquaculture) - [ Cargo & Transit Insurance Solutions ](https://www.risk-strategies.com/industries/marine-yacht/marine-cargo-and-transit-insurance) - [ Crew Medical Insurance ](https://www.risk-strategies.com/industries/marine/crew-medical-insurance) - [ Hull & Machinery ](https://www.risk-strategies.com/industries/marine-yacht/marine-hull-and-machinery-insurance) - [ Marine Claims Service ](https://www.risk-strategies.com/industries/marine-yacht/marine-claims-support) - [ Marine Construction ](https://www.risk-strategies.com/industries/marine-yacht/marine-contractors-insurance) - [ Marine Liability ](https://www.risk-strategies.com/industries/marine-yacht/marine-liability-insurance) - [ Ports & Terminals ](https://www.risk-strategies.com/industries/marine-yacht/marine-ports-and-terminals-insurance) - [ Protection & Indemnity ](https://www.risk-strategies.com/industries/marine-yacht/marine-protection-and-indemnity-insurance) - [ Recreational Marine Businesses ](https://www.risk-strategies.com/industries/marine-yacht/marine-businesses) - [ Sailing Organizations – Burgee Program ](https://www.risk-strategies.com/industries/marine-yacht/sailing-organizations-burgee-program) - [ Nonprofit & Human Services ](https://www.risk-strategies.com/industries/nonprofit/) - Private Equity Back to Private Equity [ Private Equity ](https://www.risk-strategies.com/industries/private-equity) - [ Crypto Companies ](https://www.risk-strategies.com/industries/private-equity/crypto-companies) - Public Sector Back to Public Sector [ Public Sector ](https://www.risk-strategies.com/industries/public-sector) - [ Public Safety Organizations & Municipalities ](https://www.risk-strategies.com/industries/public-sector/public-safety-and-municipalities) - Real Estate Back to Real Estate [ Real Estate ](https://www.risk-strategies.com/industries/real-estate) - [ Commercial ](https://www.risk-strategies.com/industries/real-estate/commercial-real-estate) - [ Community Associations ](https://www.risk-strategies.com/industries/real-estate/community-associations) - [ Hospitality ](https://www.risk-strategies.com/industries/real-estate/hospitality) - [ Residential / Habitational ](https://www.risk-strategies.com/industries/real-estate/residential-habitational) - [ REITs ](https://www.risk-strategies.com/industries/real-estate/reits) - [ Retail ](https://www.risk-strategies.com/industries/real-estate/retail) - [ Specialty Programs ](https://www.risk-strategies.com/industries/real-estate/specialty-programs) - Relocation Back to Relocation [ Relocation ](https://www.risk-strategies.com/industries/relocation) - [ Domestic Household Goods ](https://www.risk-strategies.com/industries/relocation/domestic-household-goods) - [ Expat Renters & Living Insurance ](https://www.risk-strategies.com/industries/relocation/expatriate-renters-liability) - [ Relocation Claims Service ](https://www.risk-strategies.com/industries/relocation/household-goods-claims-administration) - [ International Household Goods ](https://www.risk-strategies.com/industries/relocation/international-household-goods) - [ Supplemental Movers Coverage ](https://www.risk-strategies.com/industries/relocation/supplemental-movers-coverage) - [ Temporary Living Insurance ](https://www.risk-strategies.com/industries/relocation/temporary-renters) - [ Vacant Home ](https://www.risk-strategies.com/industries/relocation/vacant-home) - [ Waste & Recycling ](https://www.risk-strategies.com/industries/waste-and-recycling) - Wineries & Vineyards Back to Wineries & Vineyards [ Wineries & Vineyards ](https://www.risk-strategies.com/industries/wineries-vineyards) - [ Vineyard Insurance ](https://www.risk-strategies.com/industries/wineries-vineyards/vineyard-insurance) - [ Winery & Hospitality Insurance ](https://www.risk-strategies.com/wineries-vineyards/winery-insurance-hospitality) - [ Personal Lines Insurance - Winery Owners ](https://www.risk-strategies.com/industries/wineries-vineyards/personal-lines-insurance-winery-owners) - Solutions Back to Main [ Solutions ](https://www.risk-strategies.com/solutions) - Commercial Insurance Back to Commercial Insurance [ Commercial Insurance ](https://www.risk-strategies.com/business-insurance/) - [ Captives ](https://www.risk-strategies.com/business-insurance/captives) - Casualty Back to Casualty [ Casualty ](https://www.risk-strategies.com/business-insurance/casualty) - [ Analytics ](https://www.risk-strategies.com/business-insurance/casualty/analytics) - [ Auto Liability & Physical Damage ](https://www.risk-strategies.com/business-insurance/casualty/auto-liability-and-physical-damage) - [ Captives & Alternative Risk Financing ](https://www.risk-strategies.com/business-insurance/casualty/captives-and-alternatives-risk-financing) - [ Claims Advocacy & Loss Control ](https://www.risk-strategies.com/business-insurance/casualty/claims-advocacy-and-loss-control) - [ Excess Liability ](https://www.risk-strategies.com/business-insurance/casualty/excess-liability) - [ General Liability ](https://www.risk-strategies.com/business-insurance/casualty/general-liability) - [ Product Recall ](https://www.risk-strategies.com/business-insurance/casualty/product-recall) - [ Workers' Compensation ](https://www.risk-strategies.com/business-insurance/casualty/workers-compensation) - Cyber Back to Cyber [ Cyber ](https://www.risk-strategies.com/business-insurance/cyber-risk) - [ Cyber Resolute ](https://www.risk-strategies.com/cyber-resolute) - [ Cyber Risk Assessment and Analytics ](https://www.risk-strategies.com/cyber-risk-assessment-and-analytics) - [ Cyber Risk Response & Claims Advocacy ](https://www.risk-strategies.com/cyber/dedicated-cyber-risk-response-and-claims-advocacy) - [ Cyber Insurance - Family Office ](https://www.risk-strategies.com/private-client-services/cyber-insurance-family-office) - [ Cyber Insurance - Individuals ](https://www.risk-strategies.com/private-client-services/cyber-insurance-for-individuals-families) - Environmental Back to Environmental [ Environmental ](https://www.risk-strategies.com/business-insurance/environmental) - [ Contractors Pollution Liability ](https://www.risk-strategies.com/environmental/contractors-pollution) - [ Environmental Excess ](https://www.risk-strategies.com/environmental/environmental-excess) - [ Environmental Liability Transfer ](https://www.risk-strategies.com/environmental-liability-transfer) - [ Environmental Liability - Healthcare ](https://www.risk-strategies.com/environmental/healthcare) - [ Environmental Liability - Higher Education ](https://www.risk-strategies.com/environmental/higher-education) - [ Pollution Legal Liability ](https://www.risk-strategies.com/environmental/pollution-legal-liability) - [ Environmental Liability - Private Equity ](https://www.risk-strategies.com/environmental/private-equity) - [ Professional Environmental Liability Insurance ](https://www.risk-strategies.com/environmental/professional-environmental-liability-insurance) - [ Real Estate Development ](https://www.risk-strategies.com/environmental/real-estate-development) - [ Remediation Cost Cap ](https://www.risk-strategies.com/environmental/remediation-cost-cap) - [ Secured Creditor Protection for Lenders ](https://www.risk-strategies.com/environmental/secured-creditor-protection-for-lenders) - [ Underground Storage Tanks ](https://www.risk-strategies.com/environmental/underground-storage-tanks) - Executive Risk Solutions Back to Executive Risk Solutions [ Executive Risk Solutions ](https://www.risk-strategies.com/business-insurance/executive-risk-management-solutions) - [ Executive Risk Solutions - Entertainment ](https://www.risk-strategies.com/business-insurance/management-liability/entertainment-industry) - [ Executive Risk Solutions - Financial Institutions ](https://www.risk-strategies.com/business-insurance/management-liability/financial-institutions) - [ Executive Risk Solutions - Healthcare ](https://www.risk-strategies.com/business-insurance/management-liability/healthcare-industry) - [ Executive Risk Solutions - Real Estate ](https://www.risk-strategies.com/business-insurance/management-liability/real-estate-industry) - [ International ](https://www.risk-strategies.com/business-insurance/international) - Property Back to Property [ Property ](https://www.risk-strategies.com/business-insurance/property) - [ Builder's Risk ](https://www.risk-strategies.com/business-insurance/builders-risk) - [ Property Claims Services ](https://www.risk-strategies.com/business-insurance/property/claims-services) - [ Inland Transit and Ocean Cargo ](https://www.risk-strategies.com/business-insurance/inland-and-ocean-marine) - [ Natural Hazard Catastrophe Modeling ](https://www.risk-strategies.com/business-insurance/property/natural-catastrophe-modelling-and-solutions) - [ Political Violence and Terrorism ](https://www.risk-strategies.com/business-insurance/political-violence-and-terrorism) - [ Property Damage & Business Interruptions Valuations ](https://www.risk-strategies.com/business-insurance/property/property-damage-and-business-interruptions-valuation) - [ Property Loss Prevention and Control ](https://www.risk-strategies.com/business-insurance/property-loss-prevention-and-control-services) - [ Surety ](https://us.bbrown.com/business-insurance/surety) - Employee Benefits Back to Employee Benefits [ Employee Benefits ](https://www.risk-strategies.com/employee-benefits/) - [ Employee Benefits Overview ](https://www.risk-strategies.com/employee-benefits/) - [ Benefit Administration and Technology ](https://www.risk-strategies.com/employee-benefits/benefit-administration-technology) - [ Benefits Compliance Support ](https://www.risk-strategies.com/employee-benefits/benefits-compliance-support) - [ Data & Analytics ](https://www.risk-strategies.com/employee-benefits/data-and-analytics) - [ Human Capital Advisory Services ](https://us.bbrown.com/employee-benefits/human-capital-advisory-services) - [ International Benefits ](https://www.risk-strategies.com/employee-benefits/international-benefits) - [ Absence Management & Ancillary Programs ](https://www.risk-strategies.com/employee-benefits/absence-management-and-ancillary-program) - [ Medicare ](https://www.risk-strategies.com/medicare) - [ Voluntary & Lifestyle Benefits ](https://www.risk-strategies.com/employee-benefits/voluntary-and-lifestyle-benefits) - [ Wellness & Well-Being Solutions ](https://www.risk-strategies.com/employee-benefits/wellness-well-being-solutions) - Financial & Wealth Back to Financial & Wealth [ Financial & Wealth ](https://www.risk-strategies.com/financial-wealth/) - [ Financial & Wealth Overview ](https://www.risk-strategies.com/financial-wealth/) - [ Retirement Plan Services ](https://www.risk-strategies.com/financial-wealth/retirement-plan-services) - [ Executive Benefits ](https://www.risk-strategies.com/financial-wealth/executive-benefits) - [ Life Insurance ](https://www.risk-strategies.com/financial-wealth/life-insurance) - Private Client Services Back to Private Client Services [ Private Client Services ](https://us.bbrown.com/private-client-services) - [ Private Client Services Overview ](https://us.bbrown.com/private-client-services) - [ Homeowners ](https://www.risk-strategies.com/private-client-services/home-estate/) - [ Flood ](https://www.risk-strategies.com/private-client-services/flood-insurance) - [ Collections ](https://www.risk-strategies.com/private-client-services/collections/) - [ Umbrella & Excess Liability ](https://www.risk-strategies.com/private-client-services/umbrella-excess-liability) - [ Auto ](https://www.risk-strategies.com/private-client-services/auto) - [ Collector & Exotic Car ](https://www.risk-strategies.com/collector-car-insurance) - [ Boat & Yacht ](https://www.risk-strategies.com/private-client-services/marine-yacht/individuals) - [ Travel Medical & Trip Insurance ](https://www.risk-strategies.com/travel-medical-and-trip-insurance) - [ Family Office ](https://www.risk-strategies.com/private-client-services/family-office) - [ Cyber Insurance - Family Office ](https://www.risk-strategies.com/private-client-services/cyber-insurance-family-office) - [ Cyber Insurance - Individuals ](https://www.risk-strategies.com/private-client-services/cyber-insurance-for-individuals-families) - [ Life Insurance ](https://www.risk-strategies.com/financial-wealth/life-insurance) - [ Specialty Coverages ](https://www.risk-strategies.com/private-client-services/specialty-coverages/) - [ Private Client Risk Resource Center ](https://www.risk-strategies.com/privateclientresources) - [ Reinsurance ](https://www.risk-strategies.com/industries/healthcare/reinsurance) - Risk Management Services Back to Risk Management Services [ Risk Management Services ](https://us.bbrown.com/risk-management-services/) - [ Risk Management Services Overview ](https://us.bbrown.com/risk-management-services/) - [ Analytics ](https://www.risk-strategies.com/risk-management-services/analytics/) - [ Claims Management & Advocacy ](https://www.risk-strategies.com/risk-management-services/claims/) - [ Loss Control ](https://www.risk-strategies.com/risk-management-services/loss-control/) - [ Safety Consulting Services ](https://www.risk-strategies.com/industries/risk-management/safety-services) - [ Pro Safety Training Courses ](https://www.risk-strategies.com/pro-safety-training-course-catalog) - [ Workers’ Comp: Premium Review & Recovery ](https://www.risk-strategies.com/workers-comp-insurance-premium-review-recovery) - Consulting Back to Main [ Consulting ](https://www.risk-strategies.com/consulting) - [ Consulting Overview ](https://www.risk-strategies.com/consulting) - [ Actuarial Services ](https://www.risk-strategies.com/actuarial-services) - [ Healthcare Claim Audit Services ](https://www.risk-strategies.com/benefit-audit-services) - [ Health and Welfare ](https://www.risk-strategies.com/health-and-welfare-consulting) - [ Mergers and Acquisitions ](https://www.risk-strategies.com/mergers-and-acquisitions-consulting) - [ Pharmacy Consulting ](https://www.risk-strategies.com/pharmacy-consulting) - [ Retirement Benefits ](https://www.risk-strategies.com/retirement-plan-consulting) - News and Insights Back to Main [ News and Insights ](https://www.risk-strategies.com/insights) - [ All Insights ](https://www.risk-strategies.com/insights) - [ Blog ](https://www.risk-strategies.com/blog) - Emergency Resource Centers Back to Emergency Resource Centers [ Emergency Resource Centers ](https://www.risk-strategies.com/insights/emergency-resource-center) - [ Cybersecurity ](https://www.risk-strategies.com/insights/emergency-resource-center/cybersecurity) - [ Earthquake ](https://www.risk-strategies.com/insights/emergency-resource-center/earthquake) - 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You are leaving risk-strategies.com By accessing this link, you will be leaving Risk Strategies website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Risk Strategies website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Risk Strategies. OK Cancel [![Connect with Our Team](https://no-cache.hubspot.com/cta/default/20256628/f1d83adb-981f-4b85-93a6-7a46077d7309.png)](https://cta-redirect.hubspot.com/cta/redirect/20256628/f1d83adb-981f-4b85-93a6-7a46077d7309) January 23, 2020 # Part 3: Threats, Trends & Policies That Shaped Insurance Markets in 2019 4 min read [ John Mina ](https://www.risk-strategies.com/blog/author/john-mina) - [Facebook ](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpart-3-threats-trends-policies-that-shaped-insurance-markets-in-2019) - [X (Twitter) ](https://x.com/intent/post?url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpart-3-threats-trends-policies-that-shaped-insurance-markets-in-2019&text=Part+3%3A+Threats%2C+Trends+%26amp%3B+Policies+That+Shaped+Insurance+Markets+in+2019) - [LinkedIn ](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpart-3-threats-trends-policies-that-shaped-insurance-markets-in-2019&title=Part%203%3A%20Threats%2C%20Trends%20%26amp%3B%20Policies%20That%20Shaped%20Insurance%20Markets%20in%202019&summary=Part+3%3A+Threats%2C+Trends+%26amp%3B+Policies+That+Shaped+Insurance+Markets+in+2019&source=) - [Email ](mailto:?subject=Part%203%3A%20Threats%2C%20Trends%20%26amp%3B%20Policies%20That%20Shaped%20Insurance%20Markets%20in%202019&body=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpart-3-threats-trends-policies-that-shaped-insurance-markets-in-2019) ![Part 3: Threats, Trends & Policies That Shaped Insurance Markets in 2019](https://www.risk-strategies.com/hs-fs/hubfs/Imported%20sitepage%20images/cal1.jpg?width=640&height=300&name=cal1.jpg) - [Facebook ](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpart-3-threats-trends-policies-that-shaped-insurance-markets-in-2019) - [X (Twitter) ](https://x.com/intent/post?url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpart-3-threats-trends-policies-that-shaped-insurance-markets-in-2019&text=Part+3%3A+Threats%2C+Trends+%26amp%3B+Policies+That+Shaped+Insurance+Markets+in+2019) - [LinkedIn ](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpart-3-threats-trends-policies-that-shaped-insurance-markets-in-2019&title=Part%203%3A%20Threats%2C%20Trends%20%26amp%3B%20Policies%20That%20Shaped%20Insurance%20Markets%20in%202019&summary=Part+3%3A+Threats%2C+Trends+%26amp%3B+Policies+That+Shaped+Insurance+Markets+in+2019&source=) - [Email ](mailto:?subject=Part%203%3A%20Threats%2C%20Trends%20%26amp%3B%20Policies%20That%20Shaped%20Insurance%20Markets%20in%202019&body=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpart-3-threats-trends-policies-that-shaped-insurance-markets-in-2019) *This is part three of a three-part blog series in which we share the highlights of the insurance industry in 2019.* **Architects & Engineers (A&E)** Green building design is one of the hottest trends in architecture, but a lot can go wrong when a project involves the latest, and possibly untested, materials and techniques. There’s no guarantee that a project will achieve LEED certification once it’s finished, even if that’s what the client demands. We wrote about how A&E firms can [avoid the pitfalls of guaranteeing LEED certification](https://www.risk-strategies.com/knowledge-center/article/dont-let-a-contract-leed-to-liability) to green-minded clients. Another exposure A&E firms can encounter is when they need to rely on subcontractors to design and install individual elements of a project. This practice, known as [design delegation](https://www.risk-strategies.com/knowledge-center/article/design-delegation-who-bears-the-risk) opens the doors to liability if contracts aren’t carefully scrutinized with a risk management team. **Entertainment & Media** From our entertainment and media practice, we looked at some of the risks involved in 21st century filmmaking. [Extreme weather events can turn a potential blockbuster production into a money pit](https://www.risk-strategies.com/knowledge-center/article/filmmaking-risks-in-the-age-of-climate-change). Hurricanes, wildfires, typhoons and smog are among the factors that often derail filming in some of the biggest production hubs in the world. We showcased some creative insurance solutions to the problem of weather, like a post-Hurricane Katrina bespoke insurance program that spreads risk in and out of hurricane season in Louisiana. A similar program in Puerto Rico used tax credits to revitalize the film industry after the devastation caused by Hurricane Maria. In today’s volatile world, TV and film projects also face [political risk and political violence](https://www.risk-strategies.com/knowledge-center/article/entertainment-risks-of-the-21st-century-politics-terrorism), or terrorism, around the world. When violence erupts in a filming location, a tailored insurance program can help ensure that the show will go on. **Claims Management and Employment Practices** Legislation aimed at protecting workers was introduced in 2019 on both the state and federal level. When these laws are passed or go into effect in 2020, employers will need to change some of their employment practices to comply, or else be hit with financial penalties. First, the [Ascuncion Valdivia Heat Illness and Fatality Prevention Act of 2019](https://www.risk-strategies.com/knowledge-center/article/proposed-law-would-keep-workers-safe-in-extreme-heat), was introduced in the House in July. If passed, it will combat the dangers that excessive heat poses to people who work outside, or without air-conditioning. The law requires OSHA to create federal heat-related workplace standards, like mandatory water and shade breaks and medical training for heat-related illnesses. The second major piece of legislation we covered was [Assembly Bill 5 (AB5)](https://www.risk-strategies.com/knowledge-center/article/california-law-shakes-up-gig-economy), which was signed into law in California in September. AB5 is intended to protect workers in the gig economy by ensuring they receive benefits like health insurance, paid sick time and workers’ compensation coverage. The law could upend the ride-hailing (i.e. Uber and Lyft) and trucking industries in California which are primarily made up of independent contractors. Employers in those industries in California will soon have to absorb the enormous costs of providing employee benefits. We’ll continue to follow this trend closely. **Professional/Executive Liability** For buyers of Directors & Officers (D&O) insurance, 2019 was a tough year. Fewer insurers are willing to write D&O accounts, and the ones that do are charging more. We explored some of the reasons behind the [hardening D&O marketplace](https://www.risk-strategies.com/knowledge-center/article/expect-to-pay-more-for-do-insurance-this-year), including a year of the largest class action securities settlements paid out in history, fewer public listed companies, a spike in the number of lawsuits, #MeToo, policy changes at AIG, and ripples of the pivotal Supreme Court ruling known as [*Cyan*](https://www.risk-strategies.com/knowledge-center/article/cyan-ruling-a-catalyst-for-securities-litigation-part-one) that makes it easier for plaintiffs to file securities lawsuits in state courts. Working with a broker that has access to and leverage in the D&O marketplace will be critical going forward. **Private Client** We dedicated much of our coverage in 2019 to the imminent threats that climate change poses to our way of life, and how those threats will only continue to grow. One year after the most devastating wildfires in California history, the [insurance marketplace in California has tightened to unprecedented levels](https://www.risk-strategies.com/knowledge-center/article/in-a-tightening-insurance-market-details-matter). Insurers dropped 350,000 homeowner policies in California’s most volatile wildfire zones. And it’s not just California that’s tightening. Claims from weather event are at historic highs in Florida and the Midwest. Private clients, who tend to own multiple homes in vulnerable areas need to work with their risk advisors who have access to the insurance marketplace. For our private clients, we also looked at some of the dangers and exposure of over-sharing on social media. Broadcasting your ski trip to Chamonix may be fun at the time, but it also lets bad actors know exactly when your home is empty and ripe for a break-in. Posting details of a college semester abroad on Instagram increases the risk of kidnapping for ransom. Read the blog for our common-sense guide to social media best practices. **Looking Ahead** As we look ahead at 2020, the team of specialty industry experts at Risk Strategies will continue to follow the national and global trends.  We’ll develop solutions to combat the new threats and advise on changing policies and decisions. And we will continue to make sure they are prepared for the challenges and risks that are to come. The contents of this article are for general informational purposes only and Risk Strategies Company makes no representation or warranty of any kind, express or implied, regarding the accuracy or completeness of any information contained herein. Any recommendations contained herein are intended to provide insight based on currently available information for consideration and should be vetted against applicable legal and business needs before application to a specific client.  [Subscribe](https://www.risk-strategies.com/blog/part-3-threats-trends-policies-that-shaped-insurance-markets-in-2019#subscribe) ### Subscribe via Email