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Risk in Context Podcast: Navigating the global rise of social inflation

Learn how social inflation is transcending borders and actions that organizations operating across the globe can take to mitigate the risks.

18/11/2025 · 2 minute read

Once regarded as predominantly a US issue, social inflation is transcending borders and creating challenges for organisations operating in other jurisdictions, often resulting in increased litigation risks and higher claims costs.

The extent of the risk is also increasing. Aside from the growth in the number of so-called nuclear verdicts, jury awards above US$10 million, there is also a rise in the number of thermonuclear verdicts, jury awards above US$100 million.

The potentially prohibitive costs associated with social inflation are generally leading to increased underwriter scrutiny and impacting organisations’ insurance programmes, contributing to increased costs and stricter terms. This underscores the importance of preemptive action to identify potentially challenging claims and mitigate losses.

In this episode of Risk in Context, Chetna Gulati, Marsh’s Global Claims Advocacy Leader, speaks with Catherine Osborne, Chief Claims Officer for Marsh’s Pacific region, Teri Solomon, Head of Claims Advocacy for Marsh Africa, and Paul Hutchinson, UK Commercial and Corporate Claims Leader. They discuss the evolving social inflation risk landscape, address some of today’s most pressing risks and the challenges that are likely to evolve, and share actionable insights to help organisations minimise the risk of social inflation and prepare for potential high-value claims. 

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Key takeaways

Proactive mitigation starts well before claims arise

Effective social inflation mitigation requires pre-loss actions, including employee education, early risk identification, and a robust process to detect emerging challenges, allowing organisations to address vulnerabilities before claims develop and limit reputational damage.

Multi-stakeholder collaboration helps improve outcomes

Managing social inflation requires coordinated efforts involving insurers, brokers, legal counsel, and specialised experts, underscoring the importance of notifying critical stakeholders early, well before a claim becomes problematic.

Advanced data analytics can aid informed decision-making

Predictive modeling and claims data analytics enable organisations to effectively triage incoming claims, prioritise high-risk cases, and strategically allocate resources to manage claim costs and reduce exposure to large verdicts.

About our speakers

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This publication is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. The information contained herein is based on sources we believe reliable, but we make no representation or warranty as to its accuracy. Marsh shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. Any modelling, analytics, or projections are subject to inherent uncertainty, and any analysis could be materially affected if any underlying assumptions, conditions, information, or factors are inaccurate or incomplete or should change.

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