In 2026, Mexico’s insurance and reinsurance markets will face heightened civil liability exposure as courts and regulators adopt a more expansive view of contractual and extra-contractual obligations. Courts are also showing a growing willingness to award higher damages and hold corporate actors personally accountable. This trend is driven by public demand for accountability, evolving court precedents, and legislative reforms aimed at aligning with international standards. Companies operating in Mexico will need to reassess their risk exposure and compliance strategies as legal consequences become more severe and less predictable. Reinsurers may also find themselves increasingly drawn into primary market disputes, especially in complex or catastrophic loss scenarios. Rising litigation around climate, health, and cyber events will test policy wordings and expose gaps in liability assumptions, pushing both insurers and reinsurers to revisit risk modelling and claims protocols.