2026 MARKET TRENDS
Commercial Insurance
Executive Summary
The commercial insurance landscape is evolving rapidly, shaped by dynamic market conditions, emerging risks and innovative solutions. Across property, casualty, cyber and executive and specialty lines, organizations are navigating a favorable, yet complex environment, marked by mostly softening rates, abundant capacity and heightened competition among carriers. These conditions present opportunities for businesses to secure improved terms, broaden coverage, optimize renewal outcomes and explore additional coverages.
COMMERCIAL INSURANCE
Business Solutions
Property
Barring a major catastrophe, the property insurance soft market is expected to continue in 2026.
Cyber
The overall cyber market stability masks meaningful differences based on industry, size and security posture.
Multinational
Multinational organizations face a dynamic international insurance market shaped by several factors.
Executive Liability
With continued softened conditions, the executive liability market consists of abundant capacity and aggressive competition among carriers.
Surety
The surety market is navigating a period of shifting dynamics marked by tightening capacity and evolving risk landscapes.
COMMERCIAL INSURANCE
Industries
Agriculture
The 2026 growing season is expected to reflect many of the conditions seen in 2025, with continued pressure on farm profitability.
Real Estate
Following several years of steep rate hikes and restrictive coverage, many property owners are experiencing a welcome reprieve.
Professional Liability Law Firms/Design & Engineering
In the second half of 2025, professional services firms experienced meaningful shifts in workforce expectations, technology adoption and risk considerations.
Healthcare Medical Malpractice and Dental
The healthcare insurance market is experiencing significant underwriting adjustments and capacity shifts, creating a challenging environment for buyers.
Healthcare Managed Care, Accident & Health Reinsurance
This space has experienced a surge in high-cost claims affecting all populations
Commercial Aviation
The commercial aviation insurance market offers significant opportunities, with an increase in carrier numbers.
Entertainment
Though conditions have begun to level out and even soften slightly, this stabilization does not signal a return to a truly soft market.
Fine Art
The fine art insurance market is largely dependent on an organization's geographic location and risk profile.
Environmental
The environmental insurance industry is shifting as new carriers enter the market with aggressive strategies to establish themselves.
Commercial Marine
Overall, organizations with strong loss experience can expect a generally favorable renewal environment.
Private Equity & Transactional Risk
The private equity landscape continues to shift as acquisition strategies adjust to broader economic conditions.
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