Market News

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. Read More

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 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 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

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