In 2026, insurers will prioritize customer experience to counter declining satisfaction and to focus on retaining clients. Meanwhile the insurance industry will face significant shifts driven by the increased use of AI to boost operational efficiency and the rapid expansion of cyber insurance to combat the new threats brought on by AI. Novel underwriting techniques will help insurers re-enter high-risk property markets, while the growing gig economy will create new opportunities for micro-insurance providers. Here are our predictions for global insurance in 2026.