👋 Good Morning. Welcome to this week’s recap. The news, trends, and training Producers need, without the boring.

😟 Vibe Check: a case against BWW was thrown out for having "no meat on its bones”, D&O finally hits a floor, insulin becomes a RICO case, and OSHA is running super lean.

☕ Grab your coffee, silence your pocket prison, and let’s get started.

STORY OF THE WEEK

Justice Is Finally Served… With Ranch!

In a legal saga that had absolutely no business making it to federal court, an Illinois man sued Buffalo Wild Wings for the crime of selling "boneless wings" that were boneless, and not actually wings.

Aimen Halim claimed he walked into BWW expecting deboned chicken wings and instead received what he described as "essentially chicken nuggets."

He wanted $10 million in damages and demanded the chain rename the product "chicken poppers." He argued that had he known the truth, he would have paid less — or not bought them at all.

U.S. District Judge John Tharp Jr. was not impressed. In a 10-page ruling stuffed with poultry puns, Tharp dismissed the case, writing that Halim's complaint had "no meat on its bones" and that despite his best efforts, Halim did not "drum" up enough evidence to state a claim.

The judge compared "boneless wings" to "chicken fingers" noting that nobody expects actual fingers and cited an Ohio Supreme Court ruling that a reasonable diner knows what they're ordering.

BWW had already fired back when the suit was filed, tweeting: "Our hamburgers contain no ham. Our buffalo wings are zero percent buffalo."

Yet another reminder that frivolous litigation has no ceiling, and somebody is always paying for it.

Usually your client.

NEWS OF THE WEEK

🦥 D&O Market Slows It’s Roll

After years of carriers giving away D&O like free samples at Costco, AM Best upgraded the market outlook from negative to stable, last week.

It appears the race to the bottom has halted: underwriters are flexing tighter risk selection, higher deductibles, and deeper dives on financials.

There is one tiny catch: average securities settlements jumped to $56M last year, AI lawsuits are multiplying, and new market entrants are still hungry.

P&C Pros: watch the excess layers, that's where corrections are coming.

🩺 The Insulin Racket Gets Uncle Rico’d

There are currently 416 lawsuits piling up against the Big Three PBMs across the country.

For you P&C pros, that’s Cigna, CVS, and UnitedHealth.

Lawsuits range from cities, counties, school districts, and anyone else who self-funds a health plan and paid inflated insulin prices for the last decade.

The FTC already got Cigna to settle in February. CVS and UnitedHealth are still fighting.

New Haven, CT just turned up the heat: suing all three under RICO. You know, the organized crime statute.

They're not calling it a pricing mistake. They're calling it a racket.

💻 Breach Party, Invites Not Included

A record 3,322 data breaches hit U.S. companies in 2025 according to a recent report by The Identity Theft Resource Center. That’s a 79% increase over five years.

But here's the juicy part: victim notifications dropped 79% in the same period. Which means way more breaches, and way fewer disclosures.

The ITRC didn't mince words, “transparency is on life support." Only 30% of breached companies provided any details. Most state laws let them stay quiet if they claim no "risk of harm."

Meanwhile hackers keep hacking: targeting Social Security numbers and bank accounts instead of credit cards, and using AI to repackage old stolen data for new attacks.

💸 You Can’t Spell “CLAIMS” Without AI

Everyone knows nuclear verdicts, and medical inflation drive claims costs.

But what you may be suprised to hear: in a new study 250 carriers said the third major driver of rising claims cost is AI.

Hackers are using AI to repackage old stolen data, manufacture more convincing fraud, and accelerate litigation. Carriers are simultaneously deploying AI to fight back with fraud detection, predictive analytics, claims triage, etc.

The arms race is expensive and the outcome isn't settled, and your client is paying for it at renewal.

NUMBER OF THE WEEK

84,000

That's how many workers each OSHA inspector is responsible for in 2026. A recent report says OSHA had 892 federal inspectors at the end of 2022. By September 2025 that number had fallen to 629. That’s 30% drop in 3 years.

A wild stat for you: at current staffing levels it would take over a century to inspect every workplace under OSHA's jurisdiction just once.

Remind your clients: less OSHA enforcement doesn't mean less exposure. It just means there’s no one to give them warnings before SHTF.

POD OF THE WEEK

In this episode, Trey and Micah talk with rising star, David Goldsmith. He shares his story from starting as an intern to becoming a heavy hitter at a top firm. It’s the real journey from zero to top producer including the habits, mindset shifts, and hard lessons that actually move the needle.

POLL OF THE WEEK

OPINION

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