Insurance Market Estimates 2026

By Joe Anderson, CPCU, ARM AFSB, CBRA

Principal & Fractional Chief Risk Officer


Here is the insurance market estimates for 2025, by S&P Global Market Intelligence. It looks like a soft market, with auto-loss-ratio declines leading the way. While the good times may not last, they are here this year.

This means your business (and personal coverage) could be in line for better coverage and lower premiums (without a significant rise in losses). This is especially true for auto insurance.

With an independent approach to managing risk and positioning your company, Fortify Risk Management, LLC is uniquely skilled in reviewing your current insurance, self-insurance, and risk transfer programs. We optimize your real and perceived risk, and help your insurance broker/company drive home the best rates and coverage.

We can help you SHINE when your renewal comes!

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