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January 15, 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.
Cyber REDY® INDEX - Q4 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
Social Engineering: Confirm that coverage for social engineering losses from wrongful transfer of goods or property is explicitly included. Pay close attention to policy wording limitations that require a fraudster to impersonate a client in order for coverage to be triggered.
Wrongful Collection: The market is seeing an increase in single-plaintiff demand letters from attorneys across the industry. Clients should consult with their broker or carrier before responding or engaging, to determine the validity of these demands and a proper response.
Unknown Threat Actors: Some carriers are applying increased scrutiny to claims involving unknown or unverified threat actors.
Artificial Intelligence Risks: Standard, off-the-shelf Tech E&O policy language often does not adequately address modern technology exposures. Ensure that product and service definitions are appropriately tailored to reflect current AI-driven operations.
Rate Environment: A growing number of both insuretech and established carriers are becoming less willing to offer rate concessions at renewal. Ongoing claims frequency and severity, combined with emerging risk trends, may signal pocket-specific market hardening in 2026.