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October 15, 2025
Cyber
REDY
REDY Index
REDY-Index
The REDY Index leverages CRC Group’s collection of actionable data—the wholesale industry’s largest. It provides critical pricing analysis monthly, giving you a snapshot of the marketplace. The REDY Index generates instant intelligence on pricing trends by industry or coverage, enabling our retail partners to set accurate data-driven expectations with their clients. Removing the guesswork empowers CRC team members to negotiate competitively, consistently producing better outcomes, better deliverables, and better results.
Cyber REDY® INDEX - Q3 2025 MONTHLY RENEWAL PRICING ANALYSIS
Results displayed above reflect average CRC Group Cyber renewal pricing changes by month (over the previous 12 months). Results are limited to brokerage accounts that renewed in the same month as the prior year with the same total account limits. To remove outliers, the top and bottom 1% of accounts by YoY % change have been removed, as well as the top and bottom 1% of accounts by rate online (Premium/Limit*100). The REDY Index is intended for educational purposes only as individual accounts typically differ from average pricing trends.
Ongoing + Emerging Cyber Issues
Wrongful collection exposure is now present across all classes of business and is no longer limited to companies with direct consumer interaction.
Indemnity period language is becoming increasingly critical for the evaluation and payment of business interruption claims. The variation in the market can lead to uncovered loss on an improperly worded policy.
Social engineering, invoice manipulation, and related cybercrime coverages are now more widely available, often offered at full policy limits.
Artificial intelligence exposures are becoming increasingly common within combined Technology E&O and Cyber policies.