Change is a constant in the world today. This is particularly true of the past two tumultuous years, which saw a worldwide pandemic that impacted nearly every aspect of everyday life. Rapidly advancing technology and third-party investment in litigation combined with the pandemic have created new risks and advanced the growth of other risks. Over the next few years, insurers must recognize and be prepared to tackle these emerging risks. This article examines several of the most pressing challenges carriers can expect to face in the future.