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Seizing the moment: Opportunities for brokers in a changing property insurance market
30 October 2025
Read time: 5 minutes
By Tony Collman, Property Director – Specialty Lines, Intact Insurance.
The property insurance market today feels very different from the one we’ve grown accustomed to in recent years. Following a prolonged period of challenging conditions, we are now seeing rate reductions, increased flexibility in risk transfer, and a renewed focus on long-term solutions. For brokers, this creates a window of opportunity to deliver fresh value to clients and to strengthen advisory relationships.
At Intact Insurance, formerly known as RSA, we understand that this kind of moment is rare. With more than 300 years of history, we’ve seen the market turn many times before, but we’ve never had the benefit of the kind of innovation we have at our disposal today. The combination of heritage and data-driven insight gives us the ability to respond quickly, adapt intelligently, and work with brokers to create solutions in the fast-evolving property space.
The challenges have not disappeared. Last year, natural catastrophe losses exceeded $350 billion worldwide. The Valencia floods, hurricanes Helene and Milton, and the Western Pacific typhoons of 2024 instantly spring to mind from a long list. These events are becoming more severe, more frequent, and more costly in the property space. They are also reshaping how businesses think about resilience and what they expect from insurance partners.
This is where brokers and insurers play a critical role. Clients need more than property cover — they need guidance on how to manage risk strategically. Intact’s presence in nearly 180 territories means we can bring global knowledge to local conversations, helping brokers to offer not only a policy, but a global perspective.
Technology is transforming how property risks are understood and priced. Analytics that once sat quietly in the background now shape decisions at every stage of the value chain. For brokers and insurers, these are powerful tools. With access to sharper risk modelling, predictive analytics, and better loss prevention strategies, we can have a more informed conversation with clients.
Insurers today, to keep ahead of the market and client demands, need to invest heavily in these capabilities. That investment is paying dividends. Whether it’s advanced catastrophe modelling or the use of predictive tools to spot emerging risks, the goal is the same: to provide brokers with insights that allow them to serve clients more effectively.
For all the progress in data and technology, it’s important to remember that insurance is still a people business. Products are important, but partnerships are even more critical. Partnerships and the approach to a relational experience is now top of the list in making multinational programmes work in today’s world. It is about a true commitment to supporting brokers and clients with solutions that are not just fit for today but sustainable for the future. That means listening, adapting, and being there when clients need us most.
The easing market conditions give brokers and clients room to go beyond discussions on price. There’s an opportunity now to help clients build resilience, protect growth, and plan for the long term. These are the kinds of conversations that build trust and create value well beyond the renewal cycle.
The months ahead offer brokers a chance to reset the narrative. With rates softening, capacity opening up, and technology advancing, there is scope to be more strategic, more proactive, and more ambitious in how we collectively work with clients.
At Intact Insurance, our aim is simple: to stand alongside brokers and clients, sharing knowledge, insight, and global capability, so that together we can make the most of this moment. In a world where uncertainty is constant, trusted partnerships will always be the most reliable foundation.
My article is the first in a series exploring the evolving property insurance market. In upcoming articles compiled by experts from our team, we will provide insight into rapidly changing hot topics relating to property, specialty lines capabilities, and how brokers can use these themes to start meaningful conversations with clients.