From the broker community, Aon’s Q2 2026 Global Insurance Market Insights report notes that clients with large captives are taking advantage of digital claims capabilities through third-party adjusters, and that the current environment presents a strategic but likely temporary opportunity for risk managers to challenge program structures. Aon’s Q1 2026 report went further, advising buyers to use the soft market to “stress-test your program design, map your risk to your coverage, and explore alternatives such as parametric solutions, captives, and multi-year structures” before conditions tighten. For brokers advising multinational clients, the practical implication of Zurich’s reorganization is a more unified carrier counterparty. A combined multinational and captives desk means program structuring, captive feasibility, and fronting conversations can be handled through a single regional relationship – reducing the fragmentation that has historically complicated cross-border placement coordination.
