Wildfire Insurance Strain: Spokane’s urban wildfires are again exposing a Western insurance crunch, with insurers pulling back or raising rates as payouts lag rebuilding costs and more homes sit in high-risk wildland-urban interface zones. Rate-Hike Oversight in Illinois: Gov. JB Pritzker signed laws giving Illinois regulators authority to review and challenge excessive auto and homeowners rate increases, aiming to stop unfair pricing and require justification. AI Meets Claims & Fraud: Drata launched AI Agent Governance to help enterprises discover, monitor, and control AI agents as the EU AI Act ramps up, while industry coverage highlights how AI is reshaping claims handling and fraud detection. Cyber + Cat Risk Transfer: Lockton Re executed an ILW deal combining property catastrophe and cyber triggers in one structure, reflecting growing demand for integrated risk solutions. Health Coverage Politics: Senate Democrats (Wyden-led) released a health insurance reform request for input focused on affordability and ACA protections, while reporting also flags coverage rollbacks in California that could nearly double the uninsured rate by 2030. Court Pushes “No Insurance, No Fuel”: India’s Supreme Court asked the Centre to pilot restricting fuel for uninsured vehicles and extended mandatory third-party insurance periods for new cars and two-wheelers. Insurer Deals & Performance: American Family agreed to buy Bowhead Specialty Holdings in a $1.2B deal; IGI reported a sharp earnings drop tied to Middle East war losses, and Skyward Specialty posted Q2 results with managed premiums growth. Women’s Access to Care: New Hampshire’s study finds women face provider shortages, affordability concerns, and low insurance understanding, prompting calls for more transparency and education. Local Insurance Ops: Washington’s insurance commissioner moved a Spokane fires town hall to explain the claims process, and Columbus City Schools faces a large self-insurance fund shortfall impacting future budgets.