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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- post-COVID workplace safety
- post-tornado safety
- power fluctuation defense
- power quality management
- power surge damage prevention
- Power surge protection
- power surge risks
- powered industrial truck training
- PPE construction standard
- PPE regulations
- PPE requirements
- PPO
- pre-employment investigation
- preferred provider organization
- premises liability
- premium growth
- premium increases
- premium moderation
- Premium rates
- premium trends
- preparing for winter driving
- Prescription Costs
- prescription drug reporting
- Prescription Drugs
- prevent data breaches
- preventing distracted driving claims
- preventing forklift accidents
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- primary split point
- privacy breach insurance
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- promotion
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- proper vehicle maintenance
- property
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- property and casualty insurance
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- property in transit coverage
- Property inspection
- property insurance
- property insurance claim
- property insurance claims
- property insurance essentials
- property insurance exclusions
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- property insurance review
- property insurance tips
- property insurance trends 2026
- property loss prevention
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- protect company data
- protect your vacant building
- protecting against malware
- protecting commercial property
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- psychology in insurance
- Q1 2025
- 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 portfolio management
- real estate risk management
- 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
- regional agency winner
- 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
- remote monitoring
- 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
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- risk mitigation for company vehicles
- risk mitigation technology
- Risk Reduction
- risk solutions
- risk transer
- risk transfer
- risk transfer checklist
- road construction safety
- road safety fall
- roadside accident prevention
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- 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
- Roof age
- roof maintenance
- rural broadband
- Ryan Swinton
- safe driving policies
- safe driving practices for employees
- safe driving tips
- Safe harbor
- safely operate aerial lift devices
- 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 Culture
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- safety leadership metrics
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- Safety metrics that matter
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- safety training effectiveness
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- safety violation penalties
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- safety visibility children
- sample corporate driving policy
- Sasquatch
- scaffolding safety
- school crossing safety
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- 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
- security systems
- self-insured health plans
- severe storm preparation
- severe weather
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- severe weather preparation
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- severe winter conditions
- shadow AI risks
- 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
- smart technology
- 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
- spontaneous combustion
- spooky cyber threats
- Stacey Schafer
- state-level regulations
- Steve Robeson
- storm business interruptions
- storm damage documentation
- storm damage protection
- strategic growth
- strategic leadership
- strategic partnership
- strong password practices
- subcontractor communication
- suicide rates construction workers
- summer safety
- 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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- team integration
- teamwork in insurance
- 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 lighting
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- telematics cost benefit
- telematics insurance
- 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
- theft prevention measures
- third party liability cyber insurance
- third party litigation funding
- third-party property insurance
- threat analysis
- Tips for increasing employee participation in open enrollment
- TMT industry
- Tom Champoux
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- toolbox safety talks
- top 10 osha violations 2024
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- tornado aftermath cleanup
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- tow truck driver protection
- tower climbers
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- tower site safety
- towing
- TPLF
- Tracy Alexander
- traditional health plans
- traffic safety for highway workers
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- trench safety
- Trench Safety Stand Down Week
- trenching
- trenching and excavation
- trends in E&O insurance
- TRIR measurement
- Truck Driver
- Truck Insurance
- truck telematics
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- Trucking Insurnace
- trust contractor
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- Turner Construction mental health
- Two Factor Authentication
- UFG
- UL certified surge protectors
- umbrella coverage
- underinsured
- Understanding health insurance terms for open enrollment
- Underwriting
- UNICO
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- User Authentication
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- utility locates
- utility worker safety
- vacant building insurance
- Vacant home security
- vacant properties
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- value of employee benefits
- vandalism coverage
- Vandalism prevention
- vehicle safety checklist
- vehicle usage policy
- visual distraction
- Volunteer
- wage and hour
- waiver of subrogration
- walking-working surfaces
- warehouse safety protocols
- warehousing cold weather risks
- water damage
- water damage protection
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- water leak detection
- water losses
- waterproofing homes
- Wayne State College
- ways to fight cyber attack
- weather alert systems
- Weather damage
- weather emergency planning
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- 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
- winter driving
- winter driving kit
- winter driving precautions
- winter driving safety
- winter vehicle safety
- winter weather preparedness
- winter workplace hazards
- wireless jobsite cameras
- Wisconsin
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- women in insurance
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- worker misclassification
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- Workers compensation best practices
- Workers compensation cost reduction
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- workers compensation experts
- workers' comp risk management
- Workers' Compensation
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- workers' compensation insurance
- workforce impacts
- workforce planning
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- workforce well-being
- workplace accident prevention
- workplace benefits
- workplace driving regulations
- workplace driving safety rules
- workplace emergency
- workplace emergency evacuation plan
- Workplace fatalities
- workplace hazard abatement
- workplace hazard awareness.
- workplace hazard communication
- workplace hazard prevention
- Workplace hazards
- workplace health
- workplace heat hazards
- workplace housekeeping
- workplace incident prevention
- Workplace injury communication
- Workplace injury prevention
- workplace inspections
- workplace law
- workplace mental health
- Workplace regulations
- workplace risk
- workplace risk assessment
- workplace risk management
- workplace risk mitigation
- workplace road safety management
- Workplace Safety
- workplace safety awareness
- workplace safety best practices
- 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
November 19, 2025
Categories
Q3 2025: Commercial property premiums soften for the first time since 2017, reflecting increased market capacity and improved reinsurance conditions.
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