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韦莱韬悦(WTW):2026新兴风险与索赔趋势:职业责任险承保方调查报告(中译版)(45页).pdf

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1、www.WillisAE.comWillis A&E Emerging Risks and Claim TrendsProfessional Liability Carrier Survey ReportJanuary 2026AIG/LexingtonBerkshire HathawayAllianzCNA/VICTORAllied WorldEverestArch/PUAHanover Insurance GroupAspenHDI GlobalBeazleySOMPO InternationalBerkleyTravelersAcknowledgment of Carrier Parti

2、cipationWe extend our sincere gratitude to the following A&E professional liability insurance carriers for their time and thoughtful contributions to this survey:Survey methodology and report contentThis Willis A&E survey report aggregates responses provided by these 14 carriers in our bi-annual sur

3、vey process.In addition to carrier feedback,the report incorporates commentary from both our carrier partners and industry experts.To further enhance the value of this resource,Willis A&E has included supplementary insights and risk management tips that address issues raised by the survey findings.A

4、bout our surveyThis report draws its findings from Willis A&Es bi-annual survey,which engages senior claim managers and underwriters representing 14 of the leading A&E professional liability insurance carriers.The primary purpose of the Willis A&E carrier survey is to identify and analyze emerging c

5、laim trends and risks affecting the design profession.Through this focused approach,the survey aims to provide valuable data and insights into the current state of the A&E professional liability marketplace.Additionally,the report offers practical risk management guidance meant to assist design prof

6、essionals in proactively addressing and managing the risks inherent in their businesses.For further details regarding Willis A&E or this bi-annual industry report,please contact:Dan Buelow Managing Director 2/Willis A&E Emerging Risks and Claim Trends Willis A&E Emerging Risks and Claim Trends/3Abou

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1. **市场现状**:69%承保人认为A&E专业责任市场稳定,但部分认为趋软;2026年有利风险费率预计0%-5%,挑战风险10%-15%+。 2. **索赔趋势**:88%索赔来自客户;50%索赔资金用于诉讼/辩护成本;平均索赔周期3-5年。 3. **风险领域**:住宅项目(如公寓)、交通基础设施及土木工程索赔最严重;非技术索赔主因是沟通不足、客户选择不当。 4. **新兴风险**:85%承保人认为索赔严重性上升,受社会通胀、诉讼融资等影响;设计-建造项目索赔风险较高。 5. **争议解决**:75%索赔通过调解解决,仅1%进入诉讼;调解因高效获承保人支持(如免赔额优惠)。
**市场趋势如何?** **哪些项目风险高?** **如何降低索赔风险?**
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