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John Donnelly, President, Global Placement, Marsh, said, “With the exception of US casualty, clients are benefiting not only from lower rates but also from opportunities to negotiate improved terms and broader coverage.<\/p>\nGlobal insurance and reinsurance broker Marsh reported in its latest Global Insurance Market Index that worldwide commercial insurance rates fell, on average, by 4% in Q3 2025, continuing the 4% decline observed in Q2 2025.<\/p>\n
John Donnelly, President, Global Placement, Marsh, said, “With the exception of US casualty, clients are benefiting not only from lower rates but also from opportunities to negotiate improved terms and broader coverage.<\/p>\n
“These rate trends remain consistent in a market characterised by ample capacity. Barring unforeseen changes in conditions, we expect these trends to continue and look forward to helping clients to take advantage of the competitive insurance market.”<\/p>\n
All global regions experienced year-over-year composite rate decreases in Q3 2025, explained the broker.<\/p>\n
The primary drivers for these rate declines are growing competition among insurers, supported by favourable reinsurance pricing, and lastly, increased market capacity, as highlighted by the report.<\/p>\n
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<\/a><\/div>\n<\/div>\nRegion-wise, the Pacific region records the highest composite rate decrease at 11%, followed by the Latin America and the Caribbean (LAC) region and the UK at 6% region.<\/p>\n
Meanwhile, rates declined in Asia and India, the Middle East, and Africa (IMEA) by 5% each, while Europe followed with 4%, and lastly, Canada recorded a 3% decrease. However, the overall composite rate in the US, which remained flat in Q2 2025, declined by 1%.<\/p>\n
The broker explained that, “Q3 2025 marks the fifth consecutive global quarterly decrease following seven years of quarterly increases and is a continuation of the moderating rate trend first recorded in Q1 2021. Rates for property, cyber, and financial and professional insurance declined in every region.”<\/p>\n
Even though casualty rates increased 3% globally, they were down from the 4% observed in the second quarter of this year, driven by an 8% increase in the US, largely due to the frequency and severity of casualty claims, many of which are characterised by large jury awards.<\/p>\n
Globally, property rates declined by 8%, following a 7% decline in Q2 2025, with the Pacific region again recording the highest decrease at 14%, followed by the US and LAC regions at 9%. Meanwhile, all the remaining regions declined between 3% and 7%.<\/p>\n
Rates also continued to decrease in the financial and professional lines, at 5% globally in Q3 2025 compared to a 4% decrease in Q2 2025. Every region saw this trend, with the decline ranging from 10% in the Pacific to 2% in the US.<\/p>\n
Finally, there was a 6% decrease in global cyber insurance rates, seen in every region, including double-digit decreases in Europe of 12%, followed by LAC and the UK at 11%, and lastly the Pacific at 10%.<\/p>\n
Marsh isn’t the only player turning positive on the commercial insurance market. Willis, in a recent report<\/a> published earlier this month, explained that following years of volatility, the commercial insurance market is entering a period of relative stability, with favourable conditions for buyers driven by abundant capital, advancing technology, and data-driven risk strategies.<\/p>\n The post Commercial insurance rates fall in Q3’25 as competitive market proves advantageous: Marsh<\/a> appeared first on ReinsuranceNe.ws<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":" Global insurance and reinsurance broker Marsh reported in its latest Global Insurance Market Index that worldwide commercial insurance rates fell, […]<\/p>\n","protected":false},"author":1,"featured_media":1938,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[14],"tags":[],"_links":{"self":[{"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/posts\/2950"}],"collection":[{"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/comments?post=2950"}],"version-history":[{"count":3,"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/posts\/2950\/revisions"}],"predecessor-version":[{"id":2953,"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/posts\/2950\/revisions\/2953"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/media\/1938"}],"wp:attachment":[{"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/media?parent=2950"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/categories?post=2950"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.xinetica.com\/index.php\/wp-json\/wp\/v2\/tags?post=2950"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}