A dated US market brief for commercial insurance and employer benefits. Reported market averages are a starting point for questions—not a prediction of your renewal.
Prepared as of September 20, 2026 using the latest relevant reports located for this brief. The commercial observations describe April–June 2026, not September transactions. The KFF benchmark describes 2025; it is not evidence of 2026 premium growth. This is a manually dated initial edition, with no automatic updates.
Marsh reported US property insurance rates declined 13% in Q2 2026, the eighth consecutive quarter of decreases.[1]
Advisory implication: Consider testing pricing and terms together. Use the review to revisit valuations, deductibles and coverage—not to assume your program will achieve the reported average.
CIAB respondents reported average Q2 2026 premium increases of 5.3% for umbrella and 4.5% for commercial auto, even as average premiums across all account sizes fell 2.0%.[2]
Advisory implication: Budget by coverage line. Review fleet controls, loss information and the structure of excess layers rather than applying an overall market average to every part of the program.
KFF’s 2025 survey reported average annual employer-sponsored family premiums of $26,993, up 6% from 2024, with workers contributing an average of $6,850.[3]
Advisory implication: Separate employer cost, employee contributions and total plan cost when comparing options. Use current renewal terms and organization-specific scenarios; do not apply this historical national average as a forecast.
Marsh measures renewal rate changes for its client portfolio; CIAB reports survey respondents’ premium changes. These are different measures and samples, not directly comparable quotes.[1][2] Your outcome will depend on exposures, geography, loss history, limits, deductibles, carrier appetite and actual terms. Implications above are discussion points, not source forecasts or coverage guarantees.
Sources retrieved September 20, 2026. External reports require internet access; this website has no remote resource dependencies. General education, not legal advice or an individualized recommendation.
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