Commercial Renewal Rates Rise in October Except for Workers Comp

Premium renewal rates across most major commercial lines increased in October 2025 compared to both the prior month and the previous year, according to the latest Ivans Index data. The only exception was workers compensation, which continued its downward trend.

The Ivans Index, a monthly data report tracking insurance premium renewal rate changes, showed month-over-month increases for businessowners policy (BOP), general liability, commercial property, and umbrella. Commercial auto and workers compensation both experienced declines compared to September.

Year over year, renewal rates rose across all measured commercial lines except for workers compensation.

The average premium renewal rate by commercial line in October 2025 was as follows.

• Commercial auto. 7.57 percent, down from 7.65 percent in September
• BOP. 7.51 percent, up from 7.46 percent last month
• General liability. 7.04 percent, up from 6.78 percent in September
• Commercial property. 7.61 percent, up from 7.11 percent last month
• Umbrella. 9.22 percent, up from 9.12 percent in September
• Workers compensation. -1.53 percent, down from -1.32 percent last month

The Ivans Index draws on more than 120 million data transactions and reflects activity across over 38,000 agencies and 700 insurers and managing general agents. The index measures year-over-year premium differences for consistent policies, offering insight into renewal rate trends across the US insurance market.