U.S. Commercial Insurance Prices Moderate in Q2 2026 - Insights from WTW

According to WTW's latest Commercial Lines Insurance Pricing Survey, U.S. commercial insurance prices saw a modest 0.5% increase in the second quarter of 2026. This comes on the heels of a consistent trend of price moderation, with previous increases of 2.5% in the first quarter of 2026 and 3.8% in the same quarter of the previous year. The survey evaluates premiums across various policies and reveals that commercial property insurance experienced a significant price reduction, while general and product liability saw steady adjustments. Directors and officers insurance noted a slight upturn after periods of decline, and specialty lines demonstrated small growth. Yi Jing, Managing Director at WTW's Insurance Consulting and Technology division, indicated that the pricing environment is moving towards a more balanced market, with price increase moderation. However, some segments still face pressures, albeit at reduced rates. Differentiations by account size showed softer increases for small and mid-market accounts, whereas large accounts experienced their first price decrease since 2017. The survey's findings are based on insurer-supplied data, covering new and renewed transactions, and responses from 43 companies, representing roughly 20% of the U.S. commercial insurance market. These contributors encompass a diverse range of property and casualty providers, including prominent commercial lines companies. WTW uses CLIPS to examine historical shifts in commercial property and casualty pricing, also providing future trend predictions through its Insurance Marketplace Realities reports.