Global commercial insurance rates fall 5% in Q3 2026, Marsh says

• Global commercial insurance rates fell 5% in Q3 2026, marking the ninth consecutive quarterly decline.
• Property rates dropped 10% globally, while casualty rates rose 1%, driven largely by continued challenges in the US.
• US casualty rates increased 6%, with insurers tightening underwriting scrutiny and offering increasingly selective capacity.
• Financial and professional lines rates declined 3% globally; cyber insurance rates fell 4%.
• Ample capacity, insurer competition and lower reinsurance costs supported lower rates, giving buyers opportunities to improve coverage terms.

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