20 Aug State of the Insurance Market – Q2 2026

Staying informed about the latest trends and demands of the Commercial Business Insurance Industry is essential. Here’s a summary of the current state of the insurance market for Q2 2026:

There was an average decrease in premiums across all account sizes of 2.0%; this follows a decrease in premiums across all account sized in Q1 for the first time since 2017.

Notable Lines of Business and Their Premium Trends

Ten lines of business saw a decrease in premiums, one more than in the previous quarter: business interruption, commercial property, construction risks, cyber, D&O, employment practices, flood, marine, terrorism, and workers compensation. Across all lines, there was an average decrease of 0.3%.

Commercial Property: For the second consecutive quarter, commercial property saw the largest average decrease out of all of the lines of business, with a 6.3% decrease. 

Cyber: Averaged a 3.2% decrease, along with workers’ compensation.

Commercial Umbrella: Premiums rose for the 25th consecutive quarter, at an average of 5.3%, the largest increase out of all lines. 

Commercial Auto: Commercial auto saw the second largest increase out of all lines of business, with an average increase of 4.5%. For details on contributing factors, see additional information from Travelers here.

Key Numbers at a Glance

• -2.0%: average premium change out of all account sizes
• -3.7%: average premium change for large accounts, the largest decrease out of all account sizes
• -1.9%: average premium change for medium accounts
• -0.5%: average premium change for small accounts—a 150% decrease from the previous quarter

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