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October 16, 2026
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.
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
The small and midsize enterprise (SME) market appears to have reached its pricing floor, with rate increases becoming more pronounced. However, reinsurance renewal pricing continues to decline, and recent reinsurance renewals have reflected further rate reductions. Whether this upward movement in primary pricing continues following January 1 remains to be seen.
Cyber claims frequency and severity have reached record levels, contributing to upward pressure on pricing.
Cybercriminals are increasingly shifting away from email-based attacks and focusing on remote access as a means of compromising networks.
Manufacturing, healthcare, and law firms are experiencing some of the most significant pricing pressure.
While AI-related exclusions are becoming more common in standard policy forms, including ISO and commercial general liability (CGL) coverage, cyber and technology errors and omissions (E&O) policies continue to evolve to address emerging exposures.