Insurance claims falling – but risks get harder to predict


At the same time, newer risks are becoming more visible. Claims involving silica or crystalline dust climbed from just over 100 in 2021 to nearly 2,000 in 2025, while PFAS-related claims reached around 700. E-bike-related claims also surged, quadrupling to more than 4,000 as injuries, fires, and theft increased.



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