Commercial Insurance Prices Continue Upward by WTW

In Q1 2025, U.S. commercial insurance prices rose by 5.3% year-over-year, sustaining an upward trend. Most lines—excluding workers’ compensation, D&O liability, and cyber—saw moderate to significant price increases. Excess/umbrella liability experienced the largest surge, while commercial property inflation slowed markedly from previous quarters. Commercial auto rates remained in double digits but showed the most pronounced quarter-over-quarter decline. Loss ratios improved in 2025, signaling enhanced underwriting performance despite continued rate hikes.

Source: Captive.com

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