Dear Readers,
Risks are an inherent part of doing business. The key is not to avoid them entirely, but to understand them, assess them accurately, and manage them proactively.
The insurance market in 2026 is multifaceted: Competition is picking up again in several lines of business, opening up opportunities for well-positioned companies to secure attractive terms. At the same time, insurers are placing greater demands on risk transparency, prevention, and reliable data. Complex, loss-prone, or inadequately documented risks will continue to be scrutinized closely.
This is exactly where our RVM Risk Compass 2026 comes in. It provides an overview of developments in key commercial insurance lines, current requirements, and new opportunities. It becomes clear that professional risk management has long been more than just a prerequisite for good insurance coverage—it is increasingly becoming a key factor in business success.
This applies, for example, to industrial property insurance. Risk transparency, fire protection, technical protection concepts, emergency planning, and comprehensive documentation significantly influence insurability and policy terms. Those who understand risks and actively mitigate them can benefit from the current market environment.
Cyber risks also remain a major challenge. Digitalization and the rapid adoption of artificial intelligence are increasing dependence on functioning IT systems. Autonomous AI agents, in particular, raise new questions regarding security, control, and responsibility.
Added to this are geopolitical tensions, corporate bankruptcies, economic uncertainties, and complex supply chains. Financing, liquidity, and risk management must therefore increasingly be considered together.
Change also opens up opportunities: Digitalization and AI can accelerate processes, reduce effort, and provide valuable insights for prevention and risk management. The increasing competition among insurers also offers the opportunity to further develop existing insurance solutions in a targeted manner.
Our mission at RVM is to help you make sense of these developments, identify risks early on, and capitalize on opportunities. Together, we develop solutions that are right for today and position your company well for tomorrow.
After all, knowing your risks gives you the freedom to seize opportunities. We hope you find this issue of our 360° customer magazine interesting and inspiring.
