At Schauer Group, we want to help our clients understand the factors influencing pricing. If you have questions or would like to discuss these issues further, please reach out to your advisor.
The commercial insurance market is softening ahead of 2026.
A recent study from the Council of Insurance Agents & Brokers showed premiums still rose in Q3 2025, but the average price increase across all account sizes was only 1.6 percent, compared with an average of 3.7 percent the previous quarter.
And, for the first time in eight years, commercial property premiums decreased (by an average of .2 percent) – a change largely attributable to insurance companies being willing to take on additional risk and new insurance companies entering the market.
Other key takeaways from the Q3 pricing report:
- Among all account sizes, small business is faring the best when it comes to pricing, with average increases reaching only 1.2 percent in Q3.
- Cyber premiums continue to fall. In Q3, they dropped by an average of 2.6 percent – the largest decrease across all lines of business.
- Commercial auto remains an outlier, with Q3 price hikes averaging 7.4 percent. Some of the key factors impacting commercial auto include increasing repair costs as vehicles become more high-tech and rising litigation costs.
You can read the full report here.
While the team at Schauer Group can’t control the factors that dictate insurance pricing, they are committed to helping your company find the right long-term insurance partners and secure competitive pricing. Please reach out to your advisor if you’d like to discuss further.
