Separately, The Council of Insurance Agents & Brokers found that 2025 ended with the softest overall commercial P&C market conditions since 2017, with average premiums across all account sizes rising just 0.2% in Q4 2025 and large-account premiums declining on average. Multiple lines, including commercial property, cyber, D&O, employment practices liability and workers’ compensation, recorded average decreases, while commercial auto posted the highest increase at 6.6%.
