U.S. commercial insurance rates increased 0.5% in the second quarter 2026, according to the latest WTW Commercial Lines Insurance Pricing Survey (CLIPS).
“Commercial insurance pricing is continuing to move toward a more balanced market, with overall price increases moderating across many lines,” said Yi Jin
g, managing director, Insurance Consulting and Technology, WTW. “While there are still areas of the market experiencing upward pricing pressure, the pace of change h
as slowed considerably. This quarter’s results reinforce the trend we’ve been seeing toward greater stability in commercial insurance pricing.”
WTW said the result of the second quarter marks a continued moderation in commercial insurance pricing, down from a 2.5% increase for Q1, and a 3.8% increase during Q2 last year.
The largest price increases keep coming from excess/umbrella liability, said WTW, but they dropped to a high-single-digit increase in Q2. The largest price decrease was in commercial property.
The survey compared price changes on policies underwritten in Q2 2026 with policies with the same coverage in Q2 2025.
According to the survey, price increases moderated for small commercial and mid-market. For large accounts, an overall price decrease was seen for the first time since the end of 2017, said WTW.
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Ivans Results in Line
Year over year, average U.S. commercial premium renewals for July increased in all lines except workers’ compensation, according to the Ivans Index.
Month over month, commercial auto, business owners policy, general liability, commercial property and umbrella saw a decrease, while workers’ comp experienced an increase, said Chicago-based Ivans.
Results follow those from July 2026, when rates were down from the previous month.
Premium renewal rate change by line of business for August 2026 highlights include:
Last week the region expected to get some rain and slightly cooler temperatures due to Tropical Storm Edouard. The storm brought temperatures down to the 90s and increased humidity in the area, helping firefighters to increase
the fire’s contained area from 38% to 57%. Containment refers to the portion of the fire’s perimeter where firefighters have established a line or barrier aimed at stopping the fire from spreading.
“The fire is estimated at 90,000 acres so there are going to be portions that may see rain, portions that may not see rain,” said Laura Stevens, a public information officer with the Texas A&M Forest Service last week. “It is an ongoing operation, very dynamic, very changing as the weather comes in.”
