Ivans® released the Q4 2025 Ivans Index™, showing premium renewal rates increased for General Liability, Commercial Property, and Umbrella, but decreased for Commercial Auto, Business Owner’s Policy, and Workers’ Compensation compared to Q3 2025. Workers’ Compensation had the lowest average premium renewal rate change at -1.61% in Q4 2025.

Commercial Auto’s Q4 2025 average premium renewal rate decreased to 6.97% from 7.60% in Q3 2025. BOP saw a slight decrease to 7.52% in Q4 2025. General Liability had a significant increase to 7.23% in Q4 2025. Commercial Property increased to 8.01% in Q4 2025. Umbrella experienced a slight increase to 9.49% in Q4 2025.

Kathy Hrach, senior vice president of Product Management at Ivans, stated that the commercial insurance market remains firm, but renewal trends show a gradual shift from recent peak conditions. The Ivans Index provides insights into premium renewal rate changes for various commercial lines of business, guiding the industry through market dynamics in 2026.

Ivans Index is a monthly report analyzing premium renewal rate changes in the commercial insurance industry. With data from over 38,000 agencies and 600 insurers and MGAs, the Index reflects premium rate change trends nationwide. It serves as a valuable tool for agencies and insurers navigating the evolving market landscape in 2026. Download the full report for quarterly details and year-end results.

Read more at GlobeNewswire: Ivans Index Q4 and Year-End 2025 Results Released