Q3 2025: Global Insurance Market Overview

Q3 2025: Global Insurance Market Overview
November 3, 2025 23 mins

Q3 2025: Global Insurance Market Overview

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Buyer-friendly conditions persisted in Q3, with ample capacity and intense competition driving continued price reductions and broader coverage for preferred risks, especially in property, cyber, and directors and officers.

Key Takeaways
  1. The insurance market is increasingly a collection of micro-markets, with insurers differentiating sharply between well-managed and challenging risks. Buyers should review values, limits, coverage consistency and insurer quality to future-proof programs.
  2. Reinvesting premium savings into long-term resilience—through risk engineering, coverage enhancements and scenario-driven strategies—remains critical in a volatile environment.
  3. Automation and AI are improving claims service, but U.S. social inflation and litigation continue to drive loss severity and frequency, especially in casualty and auto.

Opportunities Abound in a Transforming Risk Transfer Landscape

As we approach the end of 2025, the global insurance market is marked by opportunity for our clients, but with recognition of long-term trends that are at play. Capital is broadly available, though more fragmented, and rapid technological advances are making risk transfer more creative, agile and targeted.

While traditional insurance products remain the cornerstone of risk transfer, we are seeing increasing opportunities to strengthen protection through complementary solutions including parametric triggers, structured insurance and facultative reinsurance solutions, and captives. 

Despite generally favorable conditions in the traditional market, a growing number of clients are leveraging these tools, as well as Aon’s unique data and analytics capabilities, to strengthen and future-proof their risk management and risk financing programs in an evolving risk landscape.

Competitive market dynamics 

In Q3, the property and casualty market showed another quarter of competition for preferred risks, driven by ample capacity, easing conditions in the reinsurance market, and insurer growth ambitions. Local markets are attracting new entrants and seeing growing interest from reinsurers and international insurance markets, which is driving price competition, broadening coverage availability, and making oversubscription common for preferred risks.

Amidst these otherwise buyer friendly trends, recent losses from Hurricane Melissa – one of the strongest Atlantic hurricanes on record – will likely cause a shift in Caribbean local and regional market conditions but are not on a scale that we believe would force a broad near-term shift in market pricing or capacity. 

Underwriting, while disciplined, is also more flexible, and growth-focused insurers are often willing to revisit risks they may have previously declined. Underwriters continue to differentiate, with preferred, well-managed risks experiencing the most favorable environment and outcomes.  

Client implications

For buyers, Q3 was largely favorable. Preferred property risks saw double-digit decreases in several markets. Cyber remained competitive, although rate reductions moderated amidst rising loss frequency and poor loss development in some markets. 

Buyers of directors and officers insurance continued to experience generally soft market pricing, though the price flattening in lead layers that started early this year continued as insurers focus on sustainable pricing after a prolonged period of price softening and an increase in claims activity. Casualty saw modest reductions, except in the U.S. which continues to be plagued by increasing loss severity driven by adverse litigation trends. Finally, motor insurance continued to see rising rates in most jurisdictions globally, driven by increasing claims activity and more expensive repair costs for high-tech vehicles.

While we welcome the general pricing relief for our clients across most product lines and sectors, it’s important to recognize that key macro trends are unchanged in our industry. A critical macro trend that continues is a systemic increase in loss severity and frequency, particularly in property, cyber and U.S. casualty. Another macro trend we’ve cited over the past several quarters is that the insurance market is not monolithic. Rather, it has become a collection of micro-markets for individual product lines, industry segments and geographies; each driven by specific characteristics including supply of capacity.

The supply of capacity continues to be fragmented in many product lines as insurers limit their exposure to any one insured due to the growing unpredictability of loss activity. We highlight these unchanged trends because we see the softening in property insurance as driven largely by two years of profitability and the resulting retained earnings of insurers and reinsurers as opposed to a change in industry fundamentals. We don’t see loss activity easing, nor do we see new capital entering the traditional insurance and reinsurance markets. This leads us to characterize the soft property market conditions as a “pricing correction”.

We believe the property reinsurance and insurance markets over-reacted in Q4 2022 to loss activity at the time. Today insurers see property rates as still adequate, but with the current focus on capital discipline, it remains to be seen whether a continued slide would be sustainable in the intermediate term. 

With this in mind, today’s buyer-friendly market conditions should be seen as an opportunity for buyers to future-proof their programs – review values, limits, sublimits, coverage consistency, and the quality of insurance company partners. In addition, reinvesting premium savings into long-term resilience will pay off in the long run by reducing an organization’s exposure to loss.  

While insurers are actively pursuing growth, risk managers should carefully weigh the pros and cons of switching providers against the value of long-standing relationships. Competitive pricing may offer short-term gains, but it’s equally important to consider the long-term reliability of underwriting partners — especially their ability to deliver when it comes to claims.

Looking ahead

Our recently released Global Risk Management Survey results bring into focus four major megatrends: Trade, Technology, Weather and Workforce. These are transforming the risk landscape, requiring dynamic, integrated and scenario-driven risk management strategies. As you rethink resilience and move beyond traditional strategies using advanced data, technologies, scenario modeling, and an enterprise approach, Aon stands ready to partner with you to develop an integrated program that not only takes advantage of current market conditions but taps into creative new and emerging risk solutions. 

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Today’s buyer-friendly market conditions should be seen as an opportunity for buyers to future-proof their programs – review values, limits, sublimits, coverage consistency, and the quality of insurer relationships.

Joe Peiser
Joe Peiser
Chief Executive Officer, Commercial Risk Solutions

Insurance Market Overview

Expand the options below to read a summary of how the insurance market trended in Q3 2025 across pricing, capacity, underwriting, limits, deductibles and coverages.

  Pricing Capacity Underwriting Limits Deductibles Coverages
Asia -1-10% Abundant Prudent Flat Flat Stable
EMEA -1-10% Abundant Flexible Flat Flat Stable
Latin America -1-10% Ample Prudent Flat Flat Stable
North America Flat Ample Prudent Flat Flat Stable
Pacific -11-20% Abundant Flexible Increased Flat Broader
  • Pricing

    Pricing in Q3 continues to soften for most lines of business and geographies as competition intensifies and capacity increases. While pockets of flat-to-increased pricing remain, the trend for reductions has broadened and pricing competition has accelerated for the most sought-after risks.

    Double-digit rate reductions are now commonly observed on property risks in key markets, including the U.S., U.K., continental Europe, Korea, Australia, and several Latin American countries. Cyber rates remain soft, but reductions have moderated. While directors and officers remains highly competitive, there are growing signs of moderation as insurers focus on achieving sustainable pricing levels.

    U.S. casualty and automobile are the main exceptions to the wider softening trend as insurers respond to adverse claims trends. Japan is the notable geographical outlier, with insurers continuing to raise prices in a bid to improve underwriting profitability.

  • Capacity

    In general, capacity is abundant for most lines, particularly, for property, cyber and directors and officers. New market entrants and established insurers are targeting growth, while a more competitive treaty reinsurance market, growing alternative reinsurance capital in the form of Insurance Linked Securities (ILS) and Catastrophe Bonds, and the growing use of facultative reinsurance are also contributing to easing conditions.

    Many local markets are also seeing growing competition from regional and international markets, such as London. As a result, oversubscription is now commonplace for preferred risks, leading to more favorable pricing, terms and conditions. Capacity constraints remain, however, for some automobile and U.S. casualty placements, as well as challenging occupancies and high-natural catastrophe exposures in property. In some cases, these capacity constraints are being partially offset by new entrants and insurers’ ambitious growth targets. 

  • Underwriting

    With growing competition, underwriting is increasingly flexible, especially for highly competitive lines of business, such as property, cyber and directors and officers. However, underwriting is, on the whole, disciplined, and insurers continue to differentiate. Superior terms are often available for preferred risks with detailed submission data, robust risk management and strong risk improvement plans. Risks with a poor claims history and/or in more complex or challenging occupancies are subject to rigorous underwriting.

    Insurers remain cautious of U.S. exposed casualty and automobile, as well as high catastrophe-exposed property. In some local markets, underwriters are being granted more authority. Many insurers are considering risks that were previously outside their appetite as they pursue growth targets.

  • Limits

    Limits are broadly flat, although some buyers are taking advantage of market conditions to increase limits for cyber, directors and officers and property insurance. For U.S. excess casualty and certain property catastrophe risks, insurers are careful when providing high limits and in some cases are actively looking to reduce their exposure. In Japan, limits continue to reduce for large property and casualty risks.

  • Deductibles

    Deductibles remain flat, although insurers may be willing to offer decreases for preferred products and risk types. Deductibles are under pressure for lines with poor loss trends, such as automobile and U.S. excess casualty. Insurers are reluctant to reduce deductibles in areas where they are looking to manage certain exposures, such as natural catastrophes. Clients analyzing their total cost of risk are exploring potential changes to deductibles, while those with exposed risks or poor loss ratios are increasingly exploring alternative solutions.

  • Coverages

    Competition is leading to more flexibility from insurers on coverage terms. For property, cyber and directors and officers, there are opportunities to take advantage of market conditions to secure broader or enhanced coverage, and/or restore coverages and sub-limits reduced during the hard market.

    Insurers are also updating cyber insurance wordings in some Asia markets to bring them in line with global standards. Restrictions, however, continue to apply in the casualty market for emerging risks like per- and polyfluoroalkyl substances, while catastrophe-exposed property placements in Canada and the Middle East may face some limitations due to recent loss activity.

Insurance Product Trends

Expand the options below to read a summary of how the insurance market trended in Q3 2025 across key lines of business, including Automobile, Casualty/Liability, Cyber, Directors & Officers and Property.

  Automobile Casualty/Liability Cyber Directors & Officers Property
Asia Moderate Soft Soft Soft Soft
EMEA Challenging Soft Soft Soft Soft
Latin America Soft Moderate Soft Soft Soft
North America Moderate Moderate Soft Soft Soft
Pacific Moderate Soft Soft Soft Soft
  • Automobile

    Market conditions are generally moderate, although more challenging in EMEA. While capacity is generally ample, insurers remain disciplined in their underwriting, price increases and limit/deductible management in response to adverse claims trends and higher repair costs. 

    Certain fleet risk types, including public transport, road haulers and short-term rentals, are experiencing more difficult conditions including some restrictions. Insurers are also more cautious on fleets with electric vehicles, due to higher repair costs and parts shortages for certain brands and models. In some markets, there is growing competition for well-preforming fleet business, resulting in more buyer friendly conditions for preferred risks. In Latin America, competition is strong and new entrants are driving innovation and broader coverage options for buyers.

  • Casualty/Liability

    Market conditions are generally moderate, although increasingly competitive for placements without significant U.S. exposures. Outside the U.S., casualty insurers are looking to grow, leading to flat or slightly downward pricing in many local markets with the notable exception of placements with large U.S. exposures, which face potential capacity constraints and coverage restrictions. The U.S. market continues to be marked by adverse litigation trends, driving high single to low double-digit increases for general liability and umbrella and excess casualty. In contrast, U.S. workers compensation remains highly competitive, with further rate reductions seen in Q3. Restrictions for per- and polyfluoroalkyl substances apply in almost all markets. 

  • Cyber

    Market conditions remain soft; however, rate reductions have moderated. Capacity is abundant and competition is healthy, with many buyers taking advantage of favorable conditions to review and expand coverage terms and conditions, and to right-size risk transfer through increased limits.

    Underwriting is increasingly flexible, particularly as many insureds have improved their overall risk profile in recent years. Claims frequency continues to rise globally. While 2023 loss development has been unfavorable for portions of the market, insurers feeling pressure on loss ratio and combined ratio performance must navigate a tremendous amount of new capacity that has entered the space – creating a very competitive overall environment.

    Insurers continue to focus on severe ransomware and business interruption events, impacting businesses across Europe specifically. Systemic and third-party/supply chain risks remain a top concern for insurers with significant aggregation exposure. Privacy Liability litigation trends in the U.S. have also come into sharp focus throughout 2025.

  • Directors & Officers

    The market remains highly competitive, with price reductions, limit increases and coverage enhancements available for most placements. Some insurers are willing to consider lower deductibles. Capacity is abundant, and automatic follow cover capacity is gaining traction. However, pricing is beginning to moderate in the U.S. and EMEA as insurers seek sustainable pricing.

    Insurers continue to pay close attention to geopolitical and macroeconomic issues, U.S. litigation trends, and emerging risks such as artificial intelligence and cyber security disclosure. Clients with financial challenges and those in higher-risk sectors like crypto are likely to encounter limited insurer appetite.

  • Property

    The global property insurance market has broadly shifted into a softer phase, characterized by intense competition for well-managed, preferred risks. Ample capacity, favorable reinsurance terms, and new market entrants—particularly through London and Bermuda—are fueling widespread rate reductions, with double-digit decreases commonly observed across the U.S., U.K., continental Europe, Korea, Australia, and several Latin American countries. Japan and India remain notable exceptions, where local conditions and regulatory factors continue to support firmer pricing.

    However, despite this surface-level softening, the market remains volatile at its core. Macroeconomic pressures such as persistent inflation, supply chain fragility, and geopolitical instability continue to drive uncertainty in values, replacement costs, and business continuity exposures. Insurers are increasingly scrutinizing valuations and contingent time element risks, as the true cost of reinstatement often lags behind inflationary and materials cost trends. Meanwhile, climate change and secondary perils—such as convective storms, wildfires, and flood—continue to test underwriting models and capital adequacy, especially in regions like North America, Canada, Mexico, and parts of the Middle East that have faced recent large losses.

    While capacity for quality risks is abundant, underwriters remain disciplined in their approach to high-hazard industries such as food, waste, recycling, and frame construction. Nonetheless, underwriting flexibility and appetite are slowly expanding, reflecting improving results after several years of portfolio remediation. Many clients are using premium savings to enhance coverage breadth, increase limits, or invest in risk engineering and resilience improvements.

    Overall, the global property market appears soft on the surface—but remains inherently unstable beneath it, shaped by evolving risk dynamics, capital sensitivity, and the uncertain macroeconomic and geopolitical backdrop.

Quote icon

Take advantage of the current market – challenge your insurance program, use risk analytics and alternative solutions, and reinvest savings to build resilience for tomorrow’s risks.

Cynthia Beveridge
Cynthia Beveridge
Global Chief Broking Officer, Commercial Risk

In a positive development for clients, insurers are increasingly recognizing the importance of investing in their claims teams as they seek to out-perform competitors and win business. Insurer acceleration of automation and AI for repeat tasks has meant claims expertise is more readily available to clients and brokers, adding value to the overall client experience, although most major insurers still tell us they consider the use of agentic AI without human interaction to be too risky in significant lines of business. 

In more exposed lines of business (e.g. U.S. Casualty), we have seen a greater number of insurers participating on single risks, often with smaller shares than in previous years. This can result in a slower claims experience for our clients, with individual insurers taking separate positions and not following leaders, leaving a fractured market and frustrated clients. Follow form language, when available, can provide a more cohesive market experience.   

Clients continue to raise concerns about U.S. social inflation, and with good reason. Between 2023 and 2024, “nuclear verdicts” (defined as awards of >$10m) rose by, while total awards more than doubled, according to the latest annual research from Marathon Strategies (May 2025). This cause the term “thermonuclear awards” to be coined, defining awards of >$100m.

Although award sizes may have increased, where funders are involved, juries may be unaware that plaintiffs get less than 100% of the award. The U.S. Chamber of Commerce ILR (May 2024) notes claims inflation contributes to the increasing costs of everyday items as companies look to recoup losses by increasing costs of all items including food, housing, and medical care (as well as insurance). The plaintiffs’ bar continues to be prolific, using tested litigation tactics including “anchoring”—where a high number is suggested to juries to drive up awards—and “reptilian theories”—where plaintiff lawyers appeal to jurors’ emotions and empathy to increase awards and inflate settlements.

As a combative strategy, more clients, insurers and brokers have been actively engaged in lobbying efforts, including coalitions, to drive tort reform in the worst affected U.S. states. We encourage all clients with potential U.S. liability exposures to raise the importance of this topic within their organizations and become involved in lobbying efforts to help drive change. 

As societies become ever more reliant on exchanging and storing data online, the threat of data breaches and other cyber-attacks increases. Awareness around cyber security has increased significantly in the last few years alone, but cyber-attacks have kept pace. Aon’s 2025 Global Risk Management Survey showed cyber risk continues to top the global agenda, remaining the number one current and future risk for the third time.

Organizations are advised to work with their brokers and insurers to take a holistic approach to these risks – including raising employee awareness of cyber security and ensuring the latest IT updates are adopted quickly. Where an attack is perpetrated, a pre-prepared plan should be deployed to manage the situation and protect organizational reputation. 

Economic inflation has had an impact on insurance claims as the cost of raw materials, labor and supply chains has risen. U.S. trade tariffs and global counter-tariffs are causing uncertainty to organizations with longer or more complicated supply chains. Clients who can control and nearshore goods and supply chains, are often able to get back to business more quickly and reduce headwinds.  

Quote icon

2025 has seen insurers actively looking to differentiate themselves through claims performance as they look to grow.

Mona Barnes
Mona Barnes
Global Chief Claims Officer

Insurance Market Trends by Region

Expand the options below to read a summary of regional insurance market trends from Q3 2025.

For more detailed analysis including claims trends, download and read the full report here.  

  • Asia
    • Soft conditions prevail across the region, enabling clients in Asia to reinvest premium savings into broader wordings, additional limits and new coverages. 
    • Japan continues to buck the softening Asia market trend as insurers implement more robust underwriting following guidance issued by the Financial Services Authority of Japan in 2024.
    • Regulatory changes are promoting the flow of capital into the region, including a new redomiciliation regime for insurers in Hong Kong, a relaxation of rules for investment in Chinese insurers, and a proposed rise in the foreign ownership limit in Indian insurance companies to 100%.
    • Political change in Japan and Thailand, and protests in Indonesia, are additional considerations for both clients’ and insurers’ strategic planning. 
    Q3 Asia Market Dynamics
      Overall Pricing Capacity Underwriting Limits Deductibles Coverages
    Asia Soft -1-10% Abundant Prudent Flat Flat Stable
    China Soft -1-10% Abundant Prudent Flat Flat Stable
    Hong Kong Soft -11-20% Abundant Flexible Flat Flat Broader
    India Soft -1-10% Ample Prudent Increased Flat Broader
    Japan Challenging +1-10% Constrained Rigorous Decreased Flat Stable
    Korea Soft -11-20% Abundant Flexible Flat Flat Stable
    Singapore Soft -1-10% Ample Prudent Flat Flat Stable
    Q3 Asia Product Trends
      Automobile Casualty/Liability Cyber Directors & Officers Property
    Asia Moderate Soft Soft Soft Soft
    China Moderate Soft Moderate Soft Soft
    Hong Kong Soft Soft Soft Soft Soft
    India Soft Soft Moderate Soft Moderate
    Japan Moderate Challenging Moderate Moderate Challenging
    Korea Moderate Soft Soft Soft Soft
    Singapore Moderate Soft Soft Soft Soft
  • Europe, Middle East and Africa
    • Conditions in EMEA are soft with price reductions increasingly available for preferred and well-managed risks across most geographies and lines of business. Exceptions include automobile, higher-risk occupancies in property, and casualty risks with significant U.S. exposure, as well as clients with an adverse loss history or those in higher-risk industries. Directors and officers pricing continues to decrease, but with growing signs of moderation. 
    • Capacity is abundant, with established local insurers, new entrants and international markets competing for business – even in lead positions - and pursuing ambitious growth targets. 
    • Growing competition is giving rise to greater underwriting flexibility and creating opportunities for clients to explore higher limits, lower deductibles and enhanced coverages, but disciplined risk selection applies. 
    • Clients that continue to invest in loss prevention and provide accurate and complete submission information are better able to secure superior terms. 
    • Global insured natural catastrophe losses exceeded $100bn in the first half of 2025, and while the EMEA region was relatively less impacted, European losses remained above the 10-year average. Government natural catastrophe schemes continue to expand in the region with Italy and Greece being the latest countries to introduce compulsory insurance requirements, while France has seen an increase in the premium levy for natural catastrophes. Clients can mitigate higher pricing and potential restrictions to natural catastrophe coverage with parametric and facultative reinsurance solutions. 
    • The recent trade agreement between the E.U. and the U.S. may lead to a reassessment of business interruption insurance values in the event of changes to insureds operations, customers and/or suppliers. 
    Q3 EMEA Market Dynamics
      Overall Pricing Capacity Underwriting Limits Deductibles Coverages
    EMEA Soft -1-10% Abundant Flexible Flat Flat Stable
    D-A-CH Soft -1-10% Abundant Flexible Flat Flat Stable
    France Soft -1-10% Abundant Flexible Flat Flat Stable
    Iberia Soft -1-10% Abundant Flexible Increased Flat Broader
    Italy Moderate -1-10% Ample Prudent Flat Flat Stable
    Middle East Moderate Flat Ample Prudent Flat Flat Stable
    Netherlands Soft -1-10% Abundant Prudent Flat Flat Stable
    Nordics Soft -1-10% Abundant Prudent Increased Flat Stable
    South Africa Moderate -1-10% Ample Prudent Flat Flat Stable
    Turkey Soft -21-30% Abundant Flexible Increased Flat Broader
    United Kingdom Soft -11-20% Abundant Flexible Increased Flat Broader
    Q3 EMEA Product Trends
      Automobile Casualty/Liability Cyber Directors & Officers Property
    EMEA Challenging Soft Soft Soft Soft
    D-A-CH Challenging Soft Soft Soft Soft
    France Challenging Soft Soft Soft Soft
    Iberia Challenging Soft Soft Soft Soft
    Italy Challenging Soft Moderate Soft Moderate
    Middle East Moderate Moderate Soft Soft Challenging
    Netherlands Challenging Moderate Soft Moderate Soft
    Nordics Not Applicable Soft Soft Soft Moderate
    South Africa Moderate Moderate Soft Moderate Soft
    Turkey Challenging Soft Soft Soft Soft
    United Kingdom Moderate Soft Soft Moderate Soft
  • Latin America
    • Driven by abundant capacity and insurer growth focus, competition is strong and soft market conditions continue.
    • Economic recovery in Argentina is providing new investment opportunities and additional risk transfer options. 
    • Political and regulatory changes in Mexico and Chile may impact market conditions and investment decisions. 
    Q3 Latin America Market Dynamics
      Overall Pricing Capacity Underwriting Limits Deductibles Coverages
    Latin America Soft -1-10% Ample Prudent Flat Flat Stable
    Argentina Soft -11-20% Ample Flexible Flat Flat Stable
    Brazil Soft -1-10% Abundant Prudent Flat Flat Stable
    Chile Soft -11-20% Ample Flexible Flat Flat Stable
    Colombia Soft -11-20% Abundant Flexible Increased Flat Stable
    Mexico Soft -1-10% Abundant Prudent Flat Flat Stable
    Q3 Latin America Product Trends
      Automobile Casualty/Liability Cyber Directors & Officers Property
    Latin America Soft Moderate Soft Soft Soft
    Argentina Soft Moderate Moderate Soft Soft
    Brazil Soft Soft Soft Soft Soft
    Chile Soft Soft Soft Soft Soft
    Colombia Soft Soft Soft Soft Soft
    Mexico Soft Soft Moderate Soft Moderate
  • North America
    • Insurer growth ambitions are leading to improved pricing, broader coverage and higher limits for property.
    • Insurers remain cautious of risks with high loss potential, notably U.S. casualty, cyber and catastrophe exposures in property.
    • In the current favorable environment, clients should consider reinvesting premium savings to build resilient programs that align with risk tolerance and protect against changes in the market cycle.  
    Q3 North America Market Dynamics
      Overall Pricing Capacity Underwriting Limits Deductibles Coverages
    North America Moderate Flat Ample Prudent Flat Flat Stable
    Canada Soft -1-10% Abundant Prudent Flat Flat Stable
    United States Moderate Flat Ample Prudent Flat Flat Stable
    Q3 North America Product Trends
      Automobile Casualty/Liability Cyber Directors & Officers Property
    North America Moderate Moderate Soft Soft Soft
    Canada Moderate Soft Soft Soft Soft
    United States Moderate Moderate Soft Soft Soft
  • Pacific
    • Regulatory changes and contingency-fee litigation are making it easier for plaintiffs to file lawsuits, driving a significant uptick in both the frequency and severity of liability claims in Australia.
    • Inflationary pressures are increasing the costs of defending directors and officers claims, eroding policy limits.
    • Buyer-friendly conditions persist for cyber, despite increased claims frequency and concerns around evolving ransomware tactics, supply chain risk and the use of artificial intelligence by hackers. 
    Q3 Pacific Market Dynamics
      Overall Pricing Capacity Underwriting Limits Deductibles Coverages
    Pacific Soft -11-20% Abundant Flexible Increased Flat Broader
    Australia Soft -11-20% Abundant Flexible Increased Flat Broader
    New Zealand Soft -1-10% Abundant Flexible Increased Flat Stable
    Q3 Pacific Product Trends
      Automobile Casualty/Liability Cyber Directors & Officers Property
    Pacific Moderate Soft Soft Soft Soft
    Australia Moderate Soft Soft Soft Soft
    New Zealand Soft Soft Soft Soft Soft

To see our full analysis of market conditions and our advice to clients, download the report here.

General Disclaimer

The information contained herein and the statements expressed are of a general nature and are not intended to address the circumstances of any particular individual or entity. Although we endeavor to provide accurate and timely information and use sources we consider reliable, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No one should act on such information without appropriate professional advice after a thorough examination of the particular situation.

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