TransUnion has released its 2026 Trends and Outlook Report, highlighting key opportunities and challenges for the insurance industry. The analysis notes that commercial insurers can set themselves apart by delivering superior digital experiences and offering cyber insurance coverage, which is becoming increasingly important as over one-third of surveyed business owners reported a cyber-related incident in the past year. Notably, more than half of businesses had not purchased cyber coverage, with many indicating they would consider switching providers if their current insurer does not offer it. In the auto and property insurance sectors, the report points to a drop in customer retention in 2025 and emphasizes the need for targeted marketing and proactive communication-such as outreach about premium discounts and advance notice of rate increases-to remain competitive. The report also finds generational differences in what customers value most, with younger consumers prioritizing strong brands and older generations valuing proactive outreach from insurers.