Ivans November 2025 Index Shows Mixed Rates in Commercial Insurance Renewals

Ivans, a division of Applied Systems, released its November 2025 Ivans Index showing an overall year-over-year increase in premium renewal rates for key commercial insurance lines including Commercial Auto, Business Owner's Policy (BOP), General Liability, Commercial Property, and Umbrella. However, Workers' Compensation saw a decline during this period. Month-over-month changes varied with General Liability, Commercial Property, and Workers' Compensation rates increasing, while Commercial Auto, BOP, and Umbrella experienced decreases. The Ivans Index, analyzing over 120 million data transactions from 38,000 agencies and 700 carriers/MGAs, serves as a comprehensive barometer for premium renewal trends in the US commercial insurance sector. For November 2025, the index reported specific premium change averages such as Commercial Auto at 6.87%, BOP at 7.46%, Commercial Property at 8.08%, General Liability at 7.14%, Workers' Compensation at -1.52%, and Umbrella at 9.18%. This data-driven insight assists insurers and brokers by reflecting prevailing market conditions and renewal pricing trends across multiple commercial insurance lines, supporting strategic decision-making within the US insurance market.