Liability claims are becoming more expensive across the country, and one of the biggest drivers is the rise of “nuclear verdicts”—jury awards that exceed $10 million. These outsized judgments, once rare, have become increasingly common in cases involving bodily injury, commercial vehicles, and allegations of corporate negligence. For businesses of all sizes, this trend is reshaping how insurers evaluate risk, price liability coverage, and structure umbrella and excess programs. [May 2026, 374 word article]