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U.S. Commercial Rates Up 1%, MarketScout Reports

Commercial property/casualty insurance rates in the U.

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S. were flat over the past four months, but increased to plus 1% in July, MarketScout said today.

“The property market often tightens a bit on the cusp of wind season but, we also noted slight increases on other lines of coverage as well,” Richard Kerr, CEO of MarketScout said in a statement.

By coverage class, general liability, umbrella, and professional liability all increased from flat in June 2015 to plus 1% for July 2015. Business interruption went up from minus 1% to plus 1%. Property coverage pricing was up from plus 1% to plus 2%.

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Pricing for all other coverages remained the same.

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By industry class, contracting, transportation and energy all went up an additional 1% compared to last month.
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Habitational and public entity were down 1% compared to the previous month.

By coverage, account size and industry class:

P&C Rates Remain Flat

The property and casualty insurance market remained flat through the first four months of this year, with many large P&C insurers holding a steady line, as rates, for the most part, have remained unchanged, according to MarketScout.

“We are in the insurance doldrums. There really isn’t even a breeze of significant movement anywhere,” Richard Kerr, CEO of MarketScout said in a statement. “The absence of rate movement could be yet another signal that insurers simply are not going to participate in a price-slashing war as was done in previous market cycles. Low interest rates and better underwriting tools are making insurers cautious.”

By coverage classification, only one line—business interruption—was down from last month at minus 1% versus flat, or zero increase. Workers compensation, directors and officers and EPLI were up from flat to plus 1%, according to the report.

Industry classes balanced out rate movement with contracting adjusting from plus 1% to flat, habitational from plus 1% to plus 2%, and public entity up from flat to plus 1%.

Measured by account size, small accounts (up to $25,000 premium) were up from plus 1% to plus 2%. Large accounts were down from flat to minus 1%. Rates for all other account sizes remained unchanged.

The National Alliance for Insurance Education and Research conducted pricing surveys used in MarketScout’s analysis of market conditions.

Following is a summary of June 2015 rates by coverage, account size  and industry class:

 

P&C Market Continues Downward Rate Trend

Property/casualty insurance buyers are continuing to see flat rates, as all lines of coverage averaged a zero percent rate change, MarketScout reported today.

“The market continues to be trending downward over the last eight months, from October 2014 at plus 1.5% to April 2015 at a zero percent increase,” Richard Kerr, CEO of MarketScout said in a statement. “It’s not dramatic but it is a trend. Coastal property may experience some slight rate increases since we are on the cusp of the wind season. Rates on all other exposures should continue to be quite competitive.”

When measuring rates by coverage classification, automobile coverage was up to plus 2%. Rates for all other coverages remained the same. Business owners policies (BOP), professional liability and D&O coverages decreased in April 2015 by 1% compared to March 2015, according to MarketScout, an insurance distribution and underwriting company.

By account size, rates remained the same for all, except jumbo accounts of more than $1,000,000 premium. These accounts adjusted to a reduction of minus 2% in April 2015, compared with rates in March 2015.

Industry classifications were all reported at a zero rate increase in April 2015 with the exception of transportation, which held steady at a rate increase of plus 1% and habitation, which increased from 0% in March to plus 1% in April, MarketScount said.

Summary of April 2015 rates by coverage, account size and industry class:

 

P&C Rates Drop 1% in March

The composite rate for property and casualty insurance dropped 1% in March compared to March 2014, indicating a softening market, according to MarketScout.

“March is an important month. There is a considerable volume of U.S. business placed with both the U.S. and international insurers,” noted Richard Kerr, CEO of MarketScout. “While a small change from February, the downward adjustment in rates may be an indicator of what is to come for the next six months.”

By coverage classification, general liability and umbrella/excess liability dropped from up 1% in February to flat or 0% in March. Commercial auto, professional liability, and employment practices liability (EPLI) were also down 1% in February as compared to March. No coverages reflected a rate decrease.

By account size, small accounts (up to $25,000 premium) adjusted downward from up 2% to up 1%. Large accounts ($250,000 to $1,000,000 premium) were flat as compared to up 1% in February. The rates for all other accounts were unchanged.

Industry classifications all remained the same as in February, except for contracting and transportation, which were up 1%t in March, compared to up 2% in February. Habitational was flat or up 0% in March, compared to up 1% in February.

Summary of the March 2015 rates by coverage, industry class and account size:

By Coverage Class
Commercial Property Up 1%
Business Interruption Up 0%
BOP Up 1%
Inland Marine Up 0%
General Liability Up 0%
Umbrella/Excess Up 0%
Commercial Auto Up 1%
Workers’ Compensation Up 0%
Professional Liability Up 1%
D&O Liability Up 1%
EPLI Up 1%
Fiduciary Up 0%
Crime Up 0%
Surety Up 0%