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News and insights

Insights

Clarity and expertise are essential in a complex industry like insurance. Explore our insights from IOA experts and industry professionals, each with a unique viewpoint and knowledge. We offer detailed analyses of insurance market trends, practical advice on policy selection and risk mitigation, and analysis of the trends, challenges, and opportunities shaping insurance.

Featured article

Focus Report – 2026 Midyear Cyber Market Outlook

At midyear 2026, the cyber insurance market remains stable and reflects a maturity in carrier understanding of the intricacies of risk and a balance between premiums and potential losses. Cyber insurance capacity is plentiful, and there are no blanket restrictions on limits of coverage. In fact, achieving necessary limits is not difficult for accounts that demonstrate solid cyber hygiene.

Staff Writer
June 15, 2026
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Business insurance, Insights, Risk Management
Insights, Personal insurance
Insights, Personal insurance
Insights, Personal insurance
Insights, Personal insurance
Insights, Personal insurance
InsightsPersonal insurance

Below Normal Activity Predicted for the 2026 Atlantic Hurricane Season

The 2026 Hurricane Season is here! While the predicted below-normal forecast is reassuring, it is no substitute for having the right coverage in place before a storm ever forms.

InsightsPersonal insurance

What Your Home Insurance Covers When It Comes to Flood and Water Damage 

Understand the difference between flood damage and water damage, what homeowners insurance covers, and where coverage gaps may leave you exposed after storms, leaks, or pipe bursts.

InsightsPersonal insurance

The 2026 Hurricane Insurance Guide

InsightsPersonal insurance

A Comprehensive Guide to Boat Insurance

Whether you’re a pleasure cruiser, fishing enthusiast, or yacht owner, boat insurance is an essential part of owning a vessel.  

InsightsPersonal insurance

You Can Recover from Alabama Tornadoes 

There are affordable, DIY steps you can take to harden your property against tornadoes and hail, and IOA offers insurance to help if damage occurs anyway. 

InsightsPersonal insurance

A Move Is the Exact Right Time to Do a Home Inventory

Having an inventory of your possessions, especially those of higher value, can help you get the most out of an insurance claim. 

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