U.S. Commercial Insurance Rate Increases Slow to 3.8%, Says WTW

Reuters12-15 21:01

U.S. Commercial Insurance Rate Increases Slow to 3.8%, Says WTW

Willis Towers Watson plc has released its latest Commercial Lines Insurance Pricing Survey (CLIPS), revealing that U.S. commercial insurance rates continued to moderate in the third quarter of 2025. The survey shows an aggregate price increase of 3.8% year-over-year in Q3 2025, maintaining the same rate as the previous quarter but down from 5.3% in Q1 2025 and 6.1% in Q3 2024. Most commercial insurance lines saw slower price growth, with workers compensation, directors' and officers' liability, cyber, and commercial property insurance experiencing price decreases. Excess/umbrella liability remained the line with the highest rate of price increases, though the pace has slowed, while commercial auto continued to post double-digit growth. The report notes that small and mid-market accounts faced more modest price hikes, and large account pricing increases also decelerated, signaling a broader trend toward market stabilization.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Willis Towers Watson plc published the original content used to generate this news brief via GlobeNewswire (Ref. ID: GNW9602154-en) on December 15, 2025, and is solely responsible for the information contained therein.

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The survey shows an aggregate price increase of 3.8% year-over-year in Q3 2025, maintaining the same rate as the previous quarter but down from 5.3% in Q1 2025 and 6.1% in Q3 2024. Most commercial insurance lines saw slower price growth, with workers compensation, directors' and officers' liability, cyber, and commercial property insurance experiencing price decreases. Excess/umbrella liability remained the line with the highest rate of price increases, though the pace has slowed, while commercial auto continued to post double-digit growth. The report notes that small and mid-market accounts faced more modest price hikes, and large account pricing increases also decelerated, signaling a broader trend toward market stabilization.\n      \n\nDisclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. 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