Commercial insurance rates move every quarter, but most business owners only find out when their own renewal notice shows up. This page tracks how the broader market is actually moving, line by line, refreshed quarterly as new industry data comes out — so you know whether your own renewal is in line with everyone else’s, or an outlier worth pushing back on.
Commercial Insurance Rate Tracker — Q2 2026
Every commercial line eased this quarter — the softening trend keeps building
The typical small business package policy (a BOP) renewed 6.16% higher than a year ago in Q2 2026 — still an increase, but down from 6.74% the quarter before. All six lines we track moved the same direction: renewals are still costing more than last year almost everywhere, just not by as much as they were three months ago.
What this means for you: if your most recent renewal came in flat or higher than the quarter before, that’s now the exception, not the rule. Worth asking your agent why, or comparing quotes while the broader market is moving in your favor.
Still rising, but the slowest increase in a year. If your BOP renewal beat 6.16%, it’s worth a second quote.
The smallest increase of the six lines this quarter, and it’s been easing for over a year straight.
The biggest quarter-over-quarter easing of any line — a sharper slowdown than the rest.
Still one of the priciest lines to renew — see the divergence note below before you assume this figure applies to your own building.
Still the most expensive line to renew by a wide margin, even after this quarter’s easing.
The one line getting cheaper outright — down 1.37% from a year ago. The discount is a little smaller than last quarter’s 1.73%, but it’s still a discount.
| Line | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|
| BOP | 7.55% | 7.52% | 6.74% | 6.16% |
| Commercial Auto | 7.60% | 6.97% | 5.28% | 4.93% |
| General Liability | 5.89% | 7.23% | 6.85% | 5.44% |
| Commercial Property | 7.64% | 8.01% | 6.83% | 6.40% |
| Umbrella | 8.99% | 9.49% | 9.36% | 7.96% |
| Workers’ Comp | −1.42% | −1.61% | −1.73% | −1.37% |
How this is measured
These figures come from the Ivans Index, which Ivans describes as tracking “the premium difference year over year for a single consistent policy” — meaning it follows the same account at renewal, not a mix of new and existing business. It’s built from more than 120 million data transactions across roughly 38,000 independent insurance agencies and 700 carriers and MGAs, so it leans toward the small-to-midsize accounts those agencies actually place — a close match for a typical DIN reader’s own renewal.
Why you’ll see a different number elsewhere
The Council of Insurance Agents & Brokers (CIAB) runs a separate, widely quoted quarterly survey — and for the same quarter shown above, it told a strikingly different story for commercial property: member brokers reported property premiums falling 6.3% in Q2 2026, while Ivans shows property renewals still rising 6.40% the same quarter. Neither number is wrong. CIAB surveys brokers about their overall book, which skews toward larger accounts and captures new business alongside renewals; Ivans measures actual repricing on the identical policy at renewal, weighted toward the smaller accounts most independent agencies write. If your own renewal doesn’t match either number exactly, that’s normal — both are broad averages, not a quote for your specific building, industry, or claims history.
Sources: Ivans Index Q2 2026 Results · Ivans Index Q1 2026 Results · Ivans Index Q4 & Year-End 2025 Results · CIAB Q2 2026 P&C Market Survey coverage, Insurance Journal
Updated quarterly, within about two weeks of each new Ivans Index release (mid-January, April, July, and October). Last updated with Q2 2026 data.
