Commercial Property The 2025 Property insurance market has been described as having a fragile softening. After an intense hardening in 2023, the market began stabilizing throughout 2024. The premium increases in the last two years are as follows:
Premium Change for Commercial Property | 2014 - 2024
25
Q1 2023 20.4%
Premium Change for Commercial Property 2023 - 2024
Q2 2023 18.3%
20
Q3 2023 17.1%
Source: CIAB Q4 2024 Commercial Property/ Casualty Market Index
15
Q4 2023 11.8%
Q1 2024 10.1%
Q2 2024 8.9%
Q3 2024 7.9%
10
Q4 2024 6.0%
5
General Observations: › Fragile softening of the market. › Valuation remains essential (and could become increasingly so). › Expect deductibles to remain high.
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