CRC Specialty's Tools + Intel spans a diverse spectrum of industry issues to keep you and your clients informed. This is truly news you can use, coupled with the latest exclusive programs, featured tools, links to compelling news stories, and more.
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 socialengineering losses from wrongful transfer of goods orproperty is explicitly included. Pay close attention to policywording limitations that require a fraudster to impersonatea client in order for coverage to be triggered.
Wrongful Collection: The market is seeing an increasein single-plaintiff demand letters from attorneys across theindustry. Clients should consult with their broker or carrierbefore responding or engaging, to determine the validity ofthese demands and a proper response.
Unknown Threat Actors: Some carriers are applyingincreased scrutiny to claims involving unknown orunverified threat actors.
Artificial Intelligence Risks: Standard, off-the-shelfTech E&O policy language often does not adequatelyaddress modern technology exposures. Ensure that productand service definitions are appropriately tailored to reflectcurrent AI-driven operations.
Rate Environment: A growing number of both insuretechand established carriers are becoming less willing to offerrate concessions at renewal. Ongoing claims frequency andseverity, combined with emerging risk trends, may signalpocket-specific market hardening in 2026.