The stats: Commercial rates continue to fall in Q4 2025
The latest Acturis Commercial Broking Index confirms softer market conditions, as negative movements in Q4 led to rate stabilisation for the full year and put a stop to a six-year growth period. Ida Axling reports.
The cost of commercial insurance did not rise in 2025, marking the end of six consecutive years of premium growth. The value of the Acturis Commercial Broking Index, using weighted figures (see explanation box at end) to represent a typical broker’s book of commercial business, was nearly the same as in 2024. Only two classes of business – fleet and packages – reported premium increases.
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