February 23, 2026
Q4 2025: Commercial insurance market is showing signs of softening, with premiums averaging 0.2% across all accounts. Commercial auto climbs to 6.6%, D&O drops to negative 3.8%.
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- Q3 2025
- Q4 2024
- Q4 2025
- qualified health insurance
- qualified transportation benefits
- qualifying events and required documentation
- qualifying life event checklist
- quick-fix credit program
- ransom payment
- ransomware
- ransomware attacks construction
- ransomware insurance
- rate fatigue
- Ready.gov flood guidelines
- Real estate security
- real-time safety monitoring.
- real-time security alerts.
- reclassification compliance requirements
- reclassification employers and group health plan
- recordkeeping and reporting rule
- reducing driver distractions
- reflective gear importance
- reform
- regulate pharmacy benefit managers
- regulatory compliance
- regulatory compliance insurance
- regulatory landscape
- regulatory monitoring
- regulatory oversight
- regulatory shifts
- regulatory standards
- reinsurance market
- reinsurance supply and demand
- report phishing
- required contribution percentage
- respiratory protection
- retail cyber security coverage
- retain employees
- Retirement
- return to work
- Return to work programs
- Ric Stoakes
- Risk Advisor
- risk advisors
- risk analysis
- Risk assessment
- Risk Consultant
- risk management
- risk management and consulting services
- risk management for roadside operations
- risk management for telecommunications
- risk management machanism
- risk managment
- risk mitigation for company vehicles
- risk mitigation technology
- Risk Reduction
- risk transer
- risk transfer
- risk transfer checklist
- road construction safety
- road safety fall
- roadside accident prevention
- roadside collision prevention
- roadside emergency protocols
- roadside equipment safety
- roadside hazards prevention
- roadside inspections
- roadside safety equipment
- roadside violence prevention
- roadside visibility solutions
- roadside worker injury prevention
- Roadside worker safety
- roadside worker training
- Roadway Safety
- roadway safety prevention
- Rob Burkett
- rural broadband
- Ryan Swinton
- safe driving policies
- safe driving practices for employees
- safe driving tips
- Safe harbor
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- safety
- safety accountability strategies
- safety and loss control
- Safety and Loss Control Consultant
- safety and profitability
- safety audit protocols
- Safety Awareness
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- Safety Committee
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- safety compliance resources
- safety consultant
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- Safety Culture
- safety culture improvement
- safety culture in construction
- safety dashboards
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- Safety Engagement
- safety fitness determination
- safety fitness of motor carriers
- safety habit reinforcement
- Safety Innovation
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- safety leadership metrics
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- safety measurement system
- Safety metrics that matter
- safety observation techniques
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- Safety regulations
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- safety training effectiveness
- safety training implementation
- safety training resources
- safety violation penalties
- safety violations
- safety visibility children
- sample corporate driving policy
- Sasquatch
- scaffolding safety
- school crossing safety
- school transportation safety
- school zone safety
- scope of distracted driving
- Scot Blehm
- Sean Krueger
- Seasonal property
- Seasonal safety tips
- seasonal vehicle care
- Section 6055 reporting
- Section 6056 reporting
- Secure Login
- security best practices
- self-insured health plans
- severe storm preparation
- severe weather
- severe weather insurance coverage
- severe weather preparation
- severe weather preparedness
- severe winter conditions
- Shane Ideus
- shareholder directors
- shareholders
- sharing risk burden
- shifting potential liability
- shipping
- show employees they are valued
- sinkhole coverage
- sinkhole insurance claim
- sinkhole insurance coverage
- sinkhole warning signs
- site hazard control
- site inspections
- site-specific safety plan
- skidding
- skilled labor shortage
- slip and fall prevention
- Slips and falls prevention
- Slips Trips and Falls
- small business
- small business cyber
- small business cyber insurance
- small business cyber protection
- small business fiduciaries
- small business fiduciary insurance
- small business insurance
- small business safety compliance
- small-business owner cyber
- smart home devices
- SMART safety goals
- social engineering fraud coverage.
- social engineering insurance
- social inflation
- soft markets
- softening market
- software security updates
- solar-powered security cameras
- sparkler safety
- SPD installation
- specialty goods
- specialty medications
- split point
- spooky cyber threats
- Stacey Schafer
- state-level regulations
- Steve Robeson
- storm business interruptions
- storm damage documentation
- storm damage protection
- strategic leadership
- strategic partnership
- strong password practices
- subcontractor communication
- suicide rates construction workers
- supervisor safety training
- supply chain cyberattacks
- surge protection devices
- suspicious activity reporting
- Tags for this blog post: insurance market premium trends
- tags: Business Insurance
- tags: Cyber Liability
- tags: Management Liability
- tags: Voluntary Benefits
- tailored benefits offerings
- talent management and leadership
- TalkDown security features
- tax deductible
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- team achievement
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- technology
- technology errors and omissions
- technology shifts
- teen driver safety
- telecom
- telecom industry
- telecom insurance
- Telecommunications
- telecommunications division
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- telecommunications industry
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- telecommunications insurance
- telecommunications lighting
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- telematics cost benefit
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- telemedicine
- temperature impact on workplace safety
- temperature safety guidelines
- Temporary disability claims
- temporary walkways safety
- Terrorism Insurance
- texting while driving
- The Council of Insurance Agents & Brokers
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- third party liability cyber insurance
- third party litigation funding
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- threat analysis
- Tips for increasing employee participation in open enrollment
- TMT industry
- Tom Champoux
- Tom Greco
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- toolbox safety talks
- top 10 osha violations 2024
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- tornado aftermath cleanup
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- tornado safety guide
- tornado season preparation
- tornado shelter at home
- tornado shelter options
- tornado shelter requirements
- tornado survival tips
- tornado warning signs
- tornado-proof home features
- tornado-resistant construction
- tow truck driver protection
- tower climbers
- tower service contractors
- tower site safety
- towing
- TPLF
- Tracy Alexander
- traditional health plans
- traffic safety for highway workers
- transfer risk
- transportation and parking benefits
- transportation industry safety
- transportation network security
- transportation safety
- travel risk policy
- trench safety
- Trench Safety Stand Down Week
- trenching
- trenching and excavation
- trends in E&O insurance
- TRIR measurement
- Truck Driver
- Truck Insurance
- truck telematics
- trucking cybersecurity
- Trucking Insurnace
- trust contractor
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- Turner Construction mental health
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- UFG
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- umbrella coverage
- underinsured
- Understanding health insurance terms for open enrollment
- Underwriting
- UNICO
- UNICO advisors
- UNICO Group
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- utility locates
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- value of employee benefits
- vandalism coverage
- Vandalism prevention
- vehicle safety checklist
- vehicle usage policy
- visual distraction
- Volunteer
- waiver of subrogration
- walking-working surfaces
- warehouse safety protocols
- warehousing cold weather risks
- water damage
- water damage protection
- water damage response plan
- water losses
- waterproofing homes
- Wayne State College
- ways to fight cyber attack
- weather alert systems
- Weather damage
- weather emergency planning
- weather hazard mitigation
- weather monitoring systems
- weather-related workplace hazards
- wellness
- wellness committee
- wellness program
- wellness programs
- What employees need to know about HDHPs
- what is the d-ratio
- when is contractual risk transfer used
- wind damage insurance
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- wireless jobsite cameras
- Wisconsin
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- workplace hazard communication
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- workplace law
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- workplace risk
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- workplace risk management
- workplace road safety management
- Workplace Safety
- workplace safety awareness
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- workplace safety compliance
- workplace safety culture
- workplace safety evaluation
- workplace safety improvements
- workplace safety in extreme weather
- workplace safety incentives
- workplace safety management
- workplace safety measurement
- Workplace safety measures
- workplace safety resources
- workplace safety seasons
- workplace safety standards
- workplace safety statistics
- workplace security audit
- workplace stress management
- workplace vehicle accident prevention
- worksite benefits
- WTA
- zero damage
- zone approach protection
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