Insurance Compliance in 2026: A Turning Point

Quarticle

Use Case

Business Intelligence

January, 21st, 2026

For insurance companies, 2026 marks a critical turning point as several regulatory frameworks take effect simultaneously. Key developments include:

- Updates to Solvency II

- Refinements to IFRS 17

- Full enforcement of DORA (Digital Operational Resilience Act)

- Strengthened climate risk disclosures

This year will test the limits of legacy systems and manual workflows, demanding unprecedented precision, transparency, and resilience. While the risks of non-compliance are substantial, including significant fines, reputational damage, and operational disruption, forward-thinking insurers are recognizing this moment as a unique opportunity to build a durable competitive advantage through compliance excellence.

Insurtech compliance expert reviews new regulations (Solvency II, DORA, CSRD) on a laptop with holographic icons for audits, risks, and approvals.

The New Compliance Landscape: A Trio of Challenges

The regulatory pressure in 2026 can be grouped into three main areas. Each one requires better data and more advanced analytics.

Regulatory Challenge	Key Mandates & Requirements	Strategic Implication for Insurers
Operational Resilience	The Digital Operational Resilience Act (DORA) requires firms to demonstrate robust ICT risk management, including geospatial validation for hazard exposure and supply chain vulnerabilities.	Insurers must show they can prevent, handle, and recover from ICT disruptions. They also need a clear and auditable data trail to prove this to regulators.
Risk & Solvency	Updates to Solvency II continue to strengthen the role of the Own Risk and Solvency Assessment (ORSA). Regulators expect more detailed spatial analysis for stress testing, accumulation control, and multi-peril risk.	Static reports are no longer enough. Insurers need dynamic, near-real-time risk models that reflect geographic concentrations and combined hazard scenarios.
Climate & Sustainability	The Corporate Sustainability Reporting Directive (CSRD) requires insurers to disclose climate-related risks, including physical and transition risks, at a very detailed level. This is reinforced by EIOPA climate stress tests, which are becoming stricter.	High-level statements are no longer acceptable. Regulators expect data-backed, defensible analysis of climate risks such as floods, wildfires, and heat stress, often down to the property level.

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Beyond Spreadsheets: Geospatial Intelligence as the Compliance Differentiator

Manual workflows and spreadsheet-based processes cannot handle the volume, speed, and complexity of compliance data in 2026. They increase the risk of errors and make audits harder. The strategic answer lies in unifying data and workflows through a centralized geospatial intelligence platform.

This is where Quarticle’s purpose-built solutions for the insurance industry provide a clear advantage. By creating a single source of truth for all location-based data, insurers can move from a reactive to a proactive compliance strategy.

At the core is Qarta™, our cloud-native GeoIntelligence engine, designed with the flexibility to maintain full data sovereignty through on-premise, hybrid, or cloud deployments (a critical capability for DORA-compliant ICT risk management).

From Raw Data to Audit-Ready Insights

Strong processing power alone is not enough. Compliance, underwriting, and risk teams also need clear and easy ways to work with the data.

Graph, our cloud-based location intelligence application, provides this crucial interface. It transforms complex portfolio data and hazard layers into clear, interactive visualizations. With Graph, insurers can:

Overlay flood, wildfire, and seismic hazard layers on portfolios
Create digital, audit-ready dossiers for Solvency II and CSRD
Collaborate across teams with transparent and clear history records

Many enterprise clients use this approach to cut compliance review time by up to 40%.

Integrated Compliance Workflows in Practice

Quarticle’s platform supports end-to-end, multi-hazard workflows. For example:

EventHub captures the real-time footprint of an event, like a wildfire
RAPID enriches the affected portfolio with property-level risk data
Graph visualizes financial exposure and supports ORSA or CSRD reporting

This is the future of compliance: integrated, dynamic, and precise.

Preparing for 2026 and Beyond

The regulatory demands of 2026 are challenging, but they also provide a clear signal: systems and processes must modernize. By treating compliance as a strategic function, insurers gain more than regulatory security.

The same geospatial intelligence platform that ensures audit-proof operations also delivers unparalleled underwriting precision, unlocks new portfolio optimization strategies, and builds lasting resilience against future market shifts.

Ready to transform your compliance framework and secure your competitive edge for 2026? Request a demo or contact us today.

About Quarticle

Quarticle bridges the gap between Geoinformatics, Cloud Computing, and Remote Sensing. Founded by experts from SwissRe, Oracle, HPE, Google, and ESRI, Quarticle specializes in delivering the fastest, most reliable geo-intelligence solutions for demanding enterprise projects. Headquartered in Baden, Switzerland, with development centers in Romania, Quarticle offers cloud-native GeoServer-as-a-Service in any environment, public, private, or hybrid.