"Ivans Index" Shows Mixed Renewal Rate Trends Across Lines in January 2026

According to the Ivans Index, a premium renewal rate index compiled by Ivans, average premium renewal rates increased year over year across most major commercial lines in January 2026, with the exception of workers compensation, which continued to show a decline.

Month over month, premium renewal rate changes decreased for every line of business except umbrella, which was the only line to post an increase in January, according to Ivans.

Premium renewal rate changes by line of business during January 2026 include the following.

• Commercial auto renewal rates averaged 5.62 percent in January, down from 6.46 percent in December.
• BOP renewal rates were 6.89 percent, decreasing from 7.58 percent at the end of December.
• General liability renewal rates averaged 6.89 percent, down from 7.52 percent in December.
• Commercial property renewal rates stood at 7.22 percent, falling from 8.34 percent in December.
• Umbrella renewal rates climbed to 10.47 percent, increasing from 10.07 percent in December and marking the only month-over-month gain among major commercial lines.
• Workers compensation renewal rates averaged -2.17 percent, down from -1.77 percent last month, continuing a year-over-year downward trend.

Released monthly, the Ivans Index is a data-driven report that tracks premium renewal rate changes across the most commonly placed commercial lines of business. The index analyzes more than 120 million commercial insurance transactions and measures year-over-year premium differences for consistent policies.

The Ivans Index reflects data from more than 38,000 agencies and over 700 insurers and managing general agents, providing a broad view of premium rate trends across the US commercial insurance market. Ivans is part of Applied Systems.