The Personal Accident Business Panel met on 26th May 2026 and received a detailed market performance update from Lloyd’s. Lloyd’s outlined plans to enhance market intelligence by using third-party data and more granular portfolio analysis, enabling better insight into risk codes, industry sectors, territories, and performance trends. The Accident & Health market was described as stable and resilient despite competitive pressures, with fixed-benefit products helping to mitigate inflationary impacts. Discussions covered commission pressures, profitability monitoring, reserving adequacy, business planning scrutiny, and the need for improved data collection, particularly for delegated underwriting and binder business. Members requested greater segmentation of market data and improved visibility of large losses to support pricing decisions. The panel also considered legal questions relating to master/group policies and reviewed progress on loss scenario research, including historical war-related injury data. An update was provided on the ongoing review of the US Accident Form, with further legal discussions planned before completion.