| Trend | Range | |
|---|---|---|
| General Liability |  |
Flat to +10% |
| Auto Liability |  |
+8 to +20% |
| Workers Compensation | |
Flat to +3% |
| Excess Liability | |
+7% to +40% |
| Primary OCIPs/CCIPs | |
Flat to 10% |
| Umbrella/excess | |
+5% to +30% |
| Non- High Hazard Nat Cat Project Specific Builders Risk |
|
0% to +5% |
| High Hazard Nat Cat Project Specific Builders Risk |
|
0% to +10% |
| Master Builders Risk / Contractors Block |
 |
-5% to +5% |
The insurance market continues to face significant challenges across multiple lines. General liability and excess liability are under pressure from rising legal costs, nuclear verdicts and increased litigation funding, prompting tighter underwriting and broader exclusions. Workers’ Compensation remains a bright spot, offering stability and profitability. The auto market is deteriorating, with 2023 marking its worst performance in recent history due to rising claim severity, reinsurance impacts and geographic rating disparities. Minimum premiums are increasing, especially in excess layers, and carriers are managing limit deployment more conservatively, particularly in high-risk classes and jurisdictions. Attachment point preferences are shifting lower to ensure adequate premium collection. As brokers, we're actively working with clients to navigate these trends through strategic program structuring, enhanced risk presentations and targeted safety initiatives.
