Market News
Ivans Q3 2026 Index: Commercial Renewal Rate Increases Slow
The Q3 2026 Ivans Index reported slowing commercial insurance premium renewal rate increases across five of six major lines compared with the previous quarter. Workers compensation was the only line to record a slight increase. Year-over-year renewal rate changes remained higher for all lines except workers compensation, according to Ivans. Learn More
Global Commercial Insurance Rates Fall 5 Percent in Q3
Global commercial insurance rates declined 5 percent in the third quarter of 2026, marking nine consecutive quarterly decreases, according to Marsh. Property rates fell 10 percent, while casualty rates rose 1 percent. Strong insurer competition, increased capacity, and favorable reinsurance conditions continued to drive pricing reductions across global markets. Learn More
Captive Insurance and Data Centers: Managing Risk in a Digital World
As data centers expand, operators face growing cyber, property, and business interruption exposures. Captive insurance offers opportunities to retain risks, address coverage gaps, and improve long-term risk financing. AM Best examines how captives can complement commercial insurance while emphasizing the importance of financial discipline, risk assessment, and strong governance. Read More
Specialty Insurance Rate Declines Accelerate in 2026
Specialty insurance and reinsurance rates declined sharply during the first half of 2026, according to WTW. Property insurance experienced the steepest reductions, falling 17 percent at July renewals. All 15 surveyed insurance and reinsurance classes recorded rate decreases net of claims trend, raising concerns about casualty insurance rate adequacy. Read More
Swiss Re: Investment Boom Could Generate $200 Billion in Premiums
Swiss Re Institute projects $200 billion in commercial insurance premiums from artificial intelligence data centers and renewable energy investments through 2030. However, growing infrastructure investments are creating increasingly concentrated and interconnected risks. Insurers face challenges involving natural catastrophes, supply chain dependencies, business interruption exposures, and complex underwriting requirements. Read More
NAIC Reports Continued Growth in US Cyber Insurance Market
The National Association of Insurance Commissioners (NAIC) reports continued growth in the US cyber insurance market in 2025, with increases in policies in force and reported claims. Despite rising demand, insurers face higher loss ratios, declining rates, and evolving cyber-security threats. The study also examines reinsurance capacity, claims severity, and emerging underwriting challenges. Read More
Using Captive Insurance to Manage Risk in a Changing Agricultural Sector
As agriculture faces rising climate, regulatory, and operational risks, captive insurance provides a flexible alternative to traditional markets. Captives allow for customized coverage—such as parametric policies tied to weather triggers—and offer long-term cost efficiency, risk retention options, and resilience against premium volatility and coverage gaps. Read More