The insurance market is showing signs of stability in several areas, but challenges continue across property according to the latest study published by USI Insurance Services.
According to its 2025 Commercial Property & Casualty Market Outlook published today, challenges are on the horizon across property, casualty, executive and professional risk, aviation, environmental, and international lines.
Property insurance rates are stabilizing with ample capacity available following favorable underwriting results, though insurers remain vigilant in risk selection and deductible levels, particularly for catastrophe-exposed properties.
The report provides an in-depth analysis of market conditions, emerging risks, and key trends across multiple insurance lines and industries.
"This publication provides the expertise and firsthand knowledge of our property and casualty specialists, who help organizations stay abreast of industry trends, design and secure optimal coverage terms and pricing, and solve critical insurance and risk management challenges every day," said Property & Casualty Practice vice president Renee Dube.
Natural catastrophe insured losses came in at around $135 billion globally in 2024 and affected property insurance capacity and pricing in catastrophe-exposed regions.
Meanwhile, workers' compensation rates are still down overall but slowing more than last year, while the cyber insurance market remains highly competitive, given ongoing incidents and emerging artificial intelligence-related risks.
Worldwide, environmental regulations have tightened and continue to drive increasing demand for pollution liability coverage.
The findings also reveal the aviation insurance market steadying with more capacity and better prices than during the 2018-2023 period.
The report elaborates on the analysis of market conditions, rate forecasts, and trends in the major insurance lines such as property, casualty, executive and professional risks, aviation, environmental, and international coverage.
Moreover, it offers industry-specific insights for real estate, manufacturing, construction, healthcare, financial services, and retail, guiding risk managers and business leaders to make the right decisions for their insurance programs.
USI brings over three decades of experience as an insurance brokerage and consulting firm, with extensive market knowledge, industry-specific expertise, and innovative resources for risk management solutions.
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