Trends shaping the 2026 insurance landscape with Pat Sullivan of Risk Information

In this episode of The Marketing Rapport, host Tim Finnigan sits down with Pat Sullivan, Senior Editor and Conference Co-Chairman at Risk Information. They explore how shifting consumer expectations, economic pressure, and technology are reshaping both auto and home insurance. Pat shares data-driven insights on why more consumers are shopping for new policies, the rising importance of customer experience, and how independent agents continue to win trust in a market crowded with heavy ad spend. Pat explains how increased competition and shrinking pools of “perfect” customers are pushing carriers to rethink segmentation and retention. He highlights the growing complexity of auto repairs, the impact of legal challenges on claims, and why customer advocacy now often means turning to lawyers for support. Their discussion also covers home insurance, where climate risk and underinsurance are forcing carriers to recalculate exposure and pricing in real time. The views, thoughts, and opinions expressed are those of the speaker and do not necessarily represent the views, thoughts, and opinions of ActiveProspect. The material and information presented here is for general information purposes only.This podcast is not intended to replace legal or other professional advice. The Lead Intelligence, Inc. (dba InfutorData) and ActiveProspect LLC names and all forms and abbreviations are the property of its owner and its use does not imply endorsement of or opposition to any specific organization, product, or service.ACTIVEPROSPECT DISCLAIMS ALL LIABILITY ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.