The Market Is
Stabilizing.
Your Risk Isn’t.
Insurance rates just dropped for the first time in years. But don’t let that fool you — auto insurance costs have risen for 55 straight quarters, lawsuit payouts hit $31.3 billion in 2024, and natural disaster losses reached $134 billion in just 6 months. Some lines are getting cheaper. Others are getting much worse. Is your business ready?
Insurance Is No Longer
Just a Line Item.
Insurance companies are making money again — but that doesn’t mean your rates are going down. Some coverage types are getting cheaper while others keep climbing. Understanding which is which could save your business millions at your next renewal.
It’s not just about what you’ll pay anymore. The leaders who understand what’s driving costs — lawsuits, weather, medical inflation — can negotiate better deals and avoid nasty surprises. Those who wait get hit hardest.
$134 Billion in Storm & Disaster Losses
14 billion-dollar natural disasters in just 6 months. 92% of the $81 billion in insured damages happened in the U.S. This is why property insurance keeps getting more expensive.
Mega Lawsuits Hit $31.3 Billion in 2024
135 massive lawsuit payouts across 55 industries last year — 52% more cases and 116% bigger payouts than the year before. Jury awards are skyrocketing.
Lawyer Ad Spending Up 39% Since 2020
Lawyers spent $2.5 billion on 27 million ads in 2024. More ads mean more lawsuits, which drives up insurance costs for everyone — especially auto, liability, and umbrella coverage.
Healthcare Costs Rising 9.2% in 2026
Medical costs keep climbing, which directly pushes up workers’ comp and injury-related claims. Wages are up 3.6% too. Every cost increase flows into what you pay for coverage.
Auto Insurance Has Gone Up 55 Quarters in a Row. When Does It Stop?
Our report breaks down exactly what’s happening across 10 types of business insurance — and shows you where to focus your attention before your next renewal.
See Line-by-Line Breakdown ↓2026 Line-by-Line Rate Forecast
What you’ll likely pay in 2026 across 10 types of business insurance, based on industry surveys, insurer filings, and market data.
Average Premium Changes — Q4 1999 to Q3 2025
Source: The Council of Insurance Agents & Brokers (CIAB)
2026 Forecast — All Lines of Coverage
What you can expect to pay across every major line of business insurance in 2026.
| Line of Coverage | Segment | 2026 Forecast | Trend |
|---|---|---|---|
| Commercial Property | Non-CAT | -5% to +5% | ↔ |
| CAT-exposed | Flat to +10% | ↑ | |
| Commercial Auto Liability | Overall | +8% to +15% | ↑↑ |
| Commercial General Liability | Overall | +1% to +6% | ↑ |
| Workers’ Compensation | Overall | -3% to +3% | ↔ |
| Umbrella / Excess Casualty | Overall | +8% to +20% | ↑↑ |
| Cyber | Overall | -5% to +10% | ↔ |
| Directors & Officers (D&O) | Private / Nonprofit | -5% to +5% | ↔ |
| Public Companies | -10% to Flat | ↓ | |
| Employment Practices (EPLI) | Overall | -5% to +5% | ↔ |
| Fidelity & Crime | Overall | -5% to +10% | ↔ |
| Fiduciary Liability | Overall | -5% to +5% | ↔ |
Source: 2026 Commercial Insurance Market Outlook ↑↑ Hardening ↑ Moderate increase ↔ Mixed / Flat ↓ Softening
Where Your Insurance Spend Is Going in 2026
Your Premium Dollar — Broken Down
Where the money goes across business insurance
Loss Drivers — 2025 Actuals
What’s actually causing insurance losses
Workers’ Comp Is the Most Profitable Insurance Line. So Why Aren’t Rates Dropping?
Vehicle accident claims are nearly 70% above average and medical costs are rising 9.2%. The full report explains what this means for your coverage and what’s coming next.
Get the Full Report →What’s Inside the Full Report
Here’s a taste of what the full report covers. Download to get the complete picture with actionable recommendations.
14 Billion-Dollar Disasters in 6 Months. Is Your Coverage Keeping Up?
$81 billion in insured damages — almost all in the U.S. The full report shows which types of disasters are getting worse and what to ask your broker before renewal.
Lawsuit Payouts Doubled Last Year. Here’s How to Protect Your Business.
135 massive verdicts across 55 industries. A trucking driver shortage of 160,000 by 2028. How to restructure your liability coverage before costs spiral further...
Cyber Insurance Is Getting Cheaper. Here’s the Catch.
Rates dropped from +34% to -3% in three years. But the fine print is changing fast. Hidden exclusions in your renewal could leave you exposed when you need coverage most...
Get the Full
2026 Market Outlook.
77 pages covering rate forecasts for every major line of coverage, the forces driving costs up (and down), and clear recommendations for your next renewal.
No spam. No sales calls. Just the report you need to make better decisions at renewal.