The European Insurance and Occupational Pensions Authority has published its April 2026 Insurance Risk Dashboard, showing risks in the European insurance sector as stable at a medium level. Somewhat higher inflation expectations and persistent geopolitical tensions continue to shape the macroeconomic environment, while uncertainty around the conflict in Iran and its potential effect on energy prices could amplify downside risks. Market risk has become more elevated because of higher volatility in bond and equity markets, while credit risks remain steady and liquidity and funding conditions are broadly unchanged. Portfolio fundamentals and credit quality remain high despite some reallocation toward riskier bond segments and wider spreads. Solvency and profitability risks are stable at a medium level, with modestly stronger capital positions and mixed profitability indicators. Insurance risks also remain at a medium level, supported by strong premium growth and stable underwriting performance, although uncertainty persists around marine, aviation and trade-related claims. EIOPA also highlights digitalisation and cyber exposures as ongoing concerns. The dashboard draws on fourth quarter 2025 and end-2024 Solvency II financial stability and prudential reporting from 94 insurance groups and 2,092 solo insurance undertakings, supplemented with market data to end-March 2026.

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