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Renewals and Rates guides
The commercial insurance market outlook as of October 2026An outlook as of October 2026 from AM Best, Swiss Re, Marsh, CIAB and Triple-I: soft property and cyber, firm casualty and auto, and what could change it.Commercial insurance pricing trends: what the 2026 indexes showWhere commercial insurance prices stand in 2026 by line and account size, using Marsh, CIAB, WTW and Ivans data, why the indexes disagree, and how to budget.Hard and soft insurance markets: what the cycle means for buyersHow the underwriting cycle moves prices, terms and capacity, why 2026 is soft for property and hard for casualty, and what to do at each stage as a buyer.The January 1 reinsurance renewals explained: the 2026 resultsWhy January 1 sets the reinsurance market, what Guy Carpenter, Gallagher Re and Howden Re reported for 1/1/2026, and how softer cat pricing reaches buyers.How reinsurance pricing flows into business insurance premiumsHow an insurer's reinsurance cost reaches your commercial premium, why it lags and varies by line, and why 2026 cat price drops did not cut every renewal.What is reinsurance, and why it affects your business premiumReinsurance is insurance for insurers. How treaty and facultative cover work, how it limits what your carrier will write, and how it shows up in your renewal.