U.S. commercial insurance rates increased 3.8% in the second quarte
r of 2025, according to the latest WTW Commercial Lines Insurance Pricing Survey (CLIPS).
WTW said the price increase has been very close to 6% over the past
six quarters. Carriers r
eported an aggregate
price increase of 5.3% during the first three months of 2025–
down from increases of 5.6% and 6.1% for the fourth and third quarters
of 2024, respectively.
“Amidst the ongoing general upward trend, our latest data from
the second quarter of 2025 shows a moderation in commercial insurance pricing,” said Yi Jing, senior director if insura
ce consulting and technology (ICT), WTW. “While some lines continued to
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see increases, others remained stable or slightly declined, reflectin
g a period of more measured rate growth across the market.”
Soure: WTW’s Commercial Lines Insurance Pricing Survey (CLIPS)
Commercial property saw prices decrease during Q2 2025. Data for most lines continue to indicate moderate to significa
nt price increases in the second quarter of 2025 with the exception of w
orkers compensation, directors’ and officers’ liability, commercial property and cyber.
The largest price increases continued to come from excess/um
brella liability, with double-digit price increases also seen in commercial auto, reported WTW.
The survey compared prices charged on policies written during th
e second quarter of 2025, with the prices charged for the same coverage
during Q2 2024. Forty
-two participating insurers participated in the survey, representing abo
ut 20% of the U.S. commercial insurance market.