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July 17, 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 - Q2 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.
Cyber Emerging Issues
Cyber Excess factors are decreasing on average 5%+ as additional capacity continues to enter the market.
Social engineering, invoice manipulation, and other related cyber-crime insuring agreements have become more widely available at full policy limits.
Wrongful collection coverage continues to become more negotiable in the marketplace despite rising claim frequency.
Claims frequency is still not directly correlating to rate increases. Clients who have made the adequate post incident investments are being afforded competitive terms at renewal.
Product creativity continues to sit at the forefront for CRC brokers in these market conditions.