The American Property Casualty Insurance Association (APCIA) announced its 2026 advocacy prio
rities, underscoring APCIA’s mission to advance private competitive markets to ensure access to affordable personal and commercial insurance protection.
“APCIA’s mission statement reflects our unwavering dedication to safeguarding consumers and
businesses through strong, competitive markets,” said David A. Sampson, president and CEO. “Our 2026 priorities build
on this foundation by addressing emerging risks, defending sound regulatory practices, and p
romoting resilience in an increasingly complex world.
APCIA“Legal system abuse is not just a courtroom issue – it’s an affordability issue for families and bu
sinesses nationwide. Every household is effectively paying a hidden ‘tort tax’ of more than $5,000 annually because of unchecked litigation practices. APCIA will ag
gressively fight for disclosure in secretive third-party litigation fundin
g and reforms to address misleading legal advertising that fuel frivolous lawsuits and inflate claims costs.
“APCIA will also champion improvements to state-based insurance regulation to preserve risk-based pricing, promote competitive private markets, and e
nsure affordability and availability for consumers. The association will also
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work to mitigate external cost drivers by advocating for auto safety laws, tax parity, and disaster resilience mea
sures, including National Flood Insurance Protection (NFIP) reauthorization and mitigation investments.”
Howden US is also being sued by broker Marsh. It has one suit against Howden US CEO Michael Parrish and sever
al other former employees, plus a separate suit against another group of former employees now at Howden US for breach of various employee contracts. Aon mentions
in its suit that Howden US is also being sued by WTW.
Howden US has a “troubling and well-established pattern of unlawfully poaching competitors’ employees and misappropriating confidential information
(including detailed client and employee information)—conduct that warrants injunctive relief against de
fendants,” said Aon. In some cases, such relief has been awarded to Marsh and WTW, and former employees have been order to return confidential information.
Rampersaud had been with Aon since 2022. According to the lawsuit, he met with Howden founder David Howden in London late September to early Octo
ber and began to allegedly coordinate the mass departure to Howden US. Soon after, said Aon, Rampersaud h
ad “irregular printing activity” of documents containing Aon’s confidential and trade secret information. In the suit, Aon outlines some of Rampersaud’s online s
earch histories, printing of shipping labels, and communication with employees using personal emails.
Rampersaud and the six others resigned on Nov. 25. When Aon
sent couriers to retrieve devices, computers, badges, or boxes to Rampersaud’s and Montalvo’s residence earlier this month, all items were not surrendered.