U.S. casualty insurance has shifted from a cyclical, challenging market to a structurally higher and more disciplined baseline, and that reality is redefining how brokers, carriers, and insureds operate. As nuclear verdicts proliferate, litigation funding grows, and jurisdictional risk intensifies, casualty programs become harder to structure, limits are stricter to secure, and clients are under more pressure to prove their controls. At the same time, competition is quietly returning, underwriting is more data‑driven than ever, and sophisticated buyers expect guidance, not just quotes. For forward‑looking insurance professionals, understanding where casualty is headed in 2026 presents an opportunity to elevate your