The commercial insurance market as of 2026 is characterized by a "hard market" transition, where pricing has exceeded loss costs in most lines over the last five years, though liability and medical malpractice remain challenging. Businesses are increasingly leveraging the Excess & Surplus (E&S) market , which has doubled in size since 2018 to fill coverage gaps left by traditional carriers.
: The NAIC market average is 1.0 . A score below 1.0 indicates the company receives fewer complaints than the average carrier of its size. COMMERCIAL INSURANCE COMPANIES
: Commercial insurers have seen steady growth, with the median combined ratio for personal lines reaching a highly profitable 89.2% entering 2025. However, casualty-exposed insurers are seeing weakening underwriting profits due to rising litigation and settlement costs. The commercial insurance market as of 2026 is
The commercial insurance market as of 2026 is characterized by a "hard market" transition, where pricing has exceeded loss costs in most lines over the last five years, though liability and medical malpractice remain challenging. Businesses are increasingly leveraging the Excess & Surplus (E&S) market , which has doubled in size since 2018 to fill coverage gaps left by traditional carriers.
: The NAIC market average is 1.0 . A score below 1.0 indicates the company receives fewer complaints than the average carrier of its size.
: Commercial insurers have seen steady growth, with the median combined ratio for personal lines reaching a highly profitable 89.2% entering 2025. However, casualty-exposed insurers are seeing weakening underwriting profits due to rising litigation and settlement costs.