Author Archives: Katie Garner

2025 State of the Healthcare Market

Our Healthcare & Human Services team recently attended the PLUS Healthcare & MedPL Symposium. The event brought together industry leaders for educational sessions and valuable networking opportunities. Below is a summary of the team’s key takeaways from the event.

Market-Wide Observations

The healthcare insurance landscape is experiencing heightened competition, with newer markets entering aggressively—particularly in pricing and underwriting. This volatility could lead to rapid market exits. Submission counts remain high, with expectations for growth from markets. However, despite the positive outlook, there are concerns with specific exposures such as abuse and HNOA, and there is still a very limited appetite for correctional risks.

Physicians Market

Premiums in the physicians’ market are trending upward, with an average increase of 5%. A major development is the reduction of tort reform in New Mexico, which has led to significant verdicts such as the $35 million judgment that resulted in the collapse of Care RRG. This highlights the volatility of the market, especially for risk retention groups (RRGs), focused on high-risk specialties like family medicine and OB-GYN in states such as New York, Florida, and California.

With claim activity now double the national average, carriers are becoming more cautious. Still, some markets remain committed, and others are even looking to expand their footprint in this space.

Social Services Market

The social services sector is facing disruption, particularly in coverage for adoption and foster care risks. This instability is expected to drive rate increases and has already prompted some carriers to exit the space. While these changes may create new opportunities, they also introduce challenges as the market adjusts.

Underwriting appetite remains largely unchanged for most social service accounts, except for larger accounts over $500k in premium. There’s a noticeable increase in submissions for behavioral health risks, including ABA therapy, outpatient and inpatient services, and sober living facilities. Large accounts ($250k–$1M) may attract primary coverage from carriers, which could indicate a potential strategy for how these risks are being approached from an underwriting perspective.

Long-Term Care

Several RRGs, including MIG and MMIC, continue to compete in the long-term care space, though some are showing signs of stress. Claims experience remains steady but costly, with frequent indemnity payouts for falls, improper care and wound-related issues. These claims continue to be significant concerns for carriers in this segment.

Allied Healthcare

The allied health market is showing signs of softening. Despite carriers operating at combined ratios above 100%, the market remains competitive, and carriers are open for new business. We are continuing to see significant increases in GLP-1 related risks, specifically when used for weight-loss purposes. Classes that we are seeing carriers interested in writing include home health, hospice, clinics, surgery centers, labs, imaging and pharmacies.

Final Thoughts

The 2025 healthcare insurance market is marked by both volatility and opportunity. From shifting carrier strategies and market exits to evolving risks in social services and physician coverage, the landscape is dynamic and complex. Carriers are navigating rising loss costs and nuclear verdicts while staying alert to potential growth areas—particularly in allied healthcare.

At Arlington/Roe, our Healthcare & Human Services team is committed to staying ahead of market trends and sharing market knowledge. Whether you’re managing complex risks or exploring emerging coverage needs, we’re here to help you find the right solution.

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In the dynamic world of transportation insurance, success is dependent on having a skilled and dedicated team. We are proud to highlight our transportation team: Andy Hamilton, Brian Collins, Eloise Trosper, Kaleb VanderMaiden, Renee Anderson, Christa Loudin, Anna Sheehan, Keyla Murrillo, Amy Edwards, Jamie Blatz, Steph Foster, & Pam Jewel. Their exceptional efforts have not only transformed the Transportation department but have also been instrumental in driving success for our agency partners.

Growth & Building Strong Partnerships 

Over the past four years, this team has more than doubled the premium in the transportation department. The team’s ability to navigate challenges and identify opportunities has set a new standard for what can be achieved in our industry.

One of the most impactful aspects of their success has been their commitment to supporting our agency partners. By providing tailored solutions and great service, they have helped these partners grow and retain their books of business. This collaborative approach has created lasting relationships and trust, enabling all parties to thrive in a competitive market.

Our team is equipped to provide tailored coverage options across various segments, ensuring you have the support you need for your insureds. Here’s where we can help your agency:

Trucking: Fleet & Non-Fleet

Our transportation team excels in securing coverage for both fleet and non-fleet trucking operations. Leveraging strong relationships with top trucking markets, we navigate complex risks to provide solutions at competitive rates, whether for a single truck or a large fleet. Whether your client operates a single truck or a large fleet, our transportation team understands the unique risks they face and is committed to providing coverage that meets their specific needs.

Garage

For businesses involved in automotive sales and service, our garage coverage options are designed to mitigate risks associated with daily operations. We offer competitive solutions for Garage Liability, Garage Keepers and Dealer’s Open Lot.

Commercial Auto

Our commercial auto insurance options cater to various business needs, whether you’re using vehicles for public transport, specialty services or general business operations. We provide comprehensive coverage that includes Public Auto, Specialty Auto and Business Auto.

Looking Ahead

As we celebrate these achievements, we remain committed to fostering a culture of excellence and innovation within our transportation team. Their success is a testament to what can be accomplished through collaboration, determination and a shared vision for growth. Contact us to learn how we can support your agency’s transportation needs with competitive coverage options.

 

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Meet the Triple Threat behind hard-to-place risks! With a combined 45 years of insurance experience, this powerhouse team is known for their knowledge and teamwork. Whether tackling unique underwriting challenges or finding customized solutions for clients, this trio works seamlessly together to help clients secure the right coverage. With each bringing their own unique skills, insurance knowledge and passion, Brandee, Lindsay and Aimi are invaluable resources.

Aimi Kunesh | Commercial Senior Broker | Wisconsin | 317-572-2411 | akunesh@arlingtonroe.com:

• Background: Aimi entered insurance world in 1998 with a small E&S broker, staying until it was acquired by Arlington/Roe in 2018. Now only two courses away from her CPCU, Aimi values the relationships she’s built and looks forward to the future in this rewarding career.

• Favorite Risks: Marinas, boat dealers, vessel repair and marine contractors, ocean cargo and contractors’ equipment schedules.

• Fun Facts: She adopted her dog from Guam through the Boonie Flight Project and she has her motorcycle license. She previously owned a Buell Blast but prefers to be a passenger these days.

 

Brandee Gibson | Commercial Assistant Broker | Wisconsin | 317-554-8562 | bgibson@arlingtonroe.com:

• Background: Brandee’s insurance career began in 2014 at a small brokerage. After taking time off to raise her children, she rejoined the workforce in 2021 at Arlington/Roe. She is working toward her AU designation and enjoys building relationships with like-minded professionals who see the world through a “risk-assessing” lens.

• Favorite Risks: Weather insurance and event cancellation, family entertainment centers and automotive-related GL risks/auto parts manufacturing.

• Fun Facts: Originally from Utah, Brandee moved to Wisconsin when she was 18 and later discovered her family roots can be traced back to the state, making her a true Wisconsinite at heart. She’s a fan of rustic camping, 90s and older music and exploring new places with her family.

 

Lindsay Lawson | Commercial Assistant Broker | Indiana | 317-653-3223 | llawson@arlingtonroe.com:

• Background: Lindsay joined Arlington/Roe in 2023, bringing over 12 years of experience, nine of which were in sales and marketing. She loves the variety of unique accounts she encounters and the teamwork involved in finding solutions for challenging risks.

• Favorite Risks: General liability, including contractors and manufacturing.

• Fun Facts: A mom to twins, Lindsay also shares her home with three Labradors and a 1969 VW Beetle Bug. She and her husband even built a pond on their 6-acre property. She attended the Easter Egg Roll at the White House.

 

Download or print this article here: The Triple Threat

The habitational property market is showing signs of stabilizing, with rates leveling off after a period of increases. However, terms with wind/hail (W/H) deductibles and higher all-other-peril (AOP) deductibles, are expected to remain. The industry average for W/H deductibles currently sits at around 2%. In the E&S market, deductibles are being used more as underwriting tools than as credit tools to reduce premiums. Most binding markets are now mandating building valuations to support the requested values.

COVERAGE AND MARKETS AVAILABLE
We can write most coverages for habitational risks including general liability, property, package policies, monoline GL, monoline property, and excess lines. Markets are accessible for mixed-use occupancy, including mercantile and apartments.

PROGRAM FOR INVESTOR PROPERTIES
A specialized program is available for “investor properties.” The program requires a minimum of five properties, with a preference for 10 or more rental dwellings. Each location must have a total insured value (TIV) of no more than $2 million with this program.

TYPES OF HABITATIONAL
We have markets available to cover a wide range of property types, including:
• Student housing (excluding fraternity and sorority housing)
• Apartments
• Short-term rentals
• Condos and townhomes
• Dwellings
• Mobile home parks
• Senior living facilities
• Boarding houses

Additionally, markets are accessible for condo and homeowners’ associations, as well as lessor’s risk only (LRO) properties.

BUILDING CONSTRUCTION CLASSES
When classifying construction, it’s important to understand the different types:
Class 1 – Frame: Exterior walls made of wood or other combustible materials, even if combined with non-combustible materials like brick veneer or stucco.
Class 2 – Joisted Masonry: Masonry exterior walls with combustible floors and roofs.
Class 3 – Non-Combustible: Exterior walls, floors, and roofs are made of metal or other non-combustible materials.
Class 4 – Masonry Non-Combustible: Masonry exterior walls with metal or other non-combustible floors and roofs.
Class 5 – Modified Fire Resistive: Masonry or fire-resistive materials for exterior walls and floors/roofs with a fire-resistance rating of one to two hours.
Class 6 – Fire Resistive: Masonry or fire-resistive materials for exterior walls and floors/roofs with a fire-resistance rating of at least two hours.

With the stabilization of property rates and evolving underwriting practices, now is a good time to reach out to your underwriter and review your insured’s coverages. We’re here to help you find the right solution and navigate the complexities of the market.

 

A printable version of this article is available here.