20 Feb State of the Insurance Market – Q4 2025
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 Q4 2025:
Commercial Property premiums are a continued challenge. Ensuring your business is adequately insured is key.
Premiums across all account sizes rose by an average of 0.2%, down from 1.6% in Q3. Large account premiums did not change, while small account premiums rose by an average of 2.8%.
Notable Lines of Business and Their Premium Trends
The average premium increase across major lines (commercial auto, commercial property, general liability, umbrella, and workers’ compensation) was 1.9% in Q4, down from 2.7% in Q3
Commercial Auto: Commercial auto saw the largest increase out of all lines of business, with an increase of 6.6%. This line marked its 58th consecutive quarter of increases. For details on contributing factors, see additional information from Travelers here.
Commercial Property: Commercial property premiums fell by -0.7% on average in Q4.
D&O Liability: This line saw the largest decrease of any line, at -3.8%. The main contributing factor to this lines trend is due to an excess of underwriting capacity.
Premiums Decreasing in Other Lines
Nine lines of business saw premium decrease this quarter, which is up from six last quarter. All other lines recorded premium increases that were flat or lower than Q3.
It’s no secret that navigating the insurance market has become increasingly challenging. Now more than ever, it’s crucial to understand the factors affecting your premiums. At Gilbert’s, we’re committed to ensuring every client has what they need to succeed, even when the conversations are tough.
To discuss your options or learn more, contact one of our talented Risk Advisors today!
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