Insurers started 2021 enthusiastically, with analysts and market professionals looking to an imminent economic recovery. This optimism was based on the improvement of the health situation, the development of the first vaccines against Covid [4] and the launch of massive vaccination campaigns.
Unfortunately, the general context proved to be unfavorable for a rapid return to normality. A new wave of contamination associated with the appearance of the more dangerous and contagious "Delta" variant swept across the planet, with records of death and contamination being reported.
In addition to the pandemic, there was an increase in natural disasters [5] and cybercrime [6] claims. The outcome: 2021 turned out to be the second worst year in the history of insurance, next to 2017.