As an AI language model, I don’t have personal opinions or current events. However, here are some of the top risks facing the global insurance industry according to industry experts:

1. Catastrophic events such as natural disasters, pandemics, and cyberattacks
2. Increased competition and market saturation
3. Regulatory changes and uncertainty
4. The impact of low-interest rates on investment returns
5. Insufficient understanding and management of emerging risks, such as climate change
6. Increasingly sophisticated technology and cybersecurity challenges
7. Changes in demographics and consumer behavior
8. Geopolitical risks and instability
9. Underwriting and pricing challenges in an increasingly complex marketplace
10. The potential impact of disruptive new entrants and alternative business models.