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January 15, 2026
E&O
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.
Errors + Omissions REDY® INDEX - Q4 2025 MONTHLY RENEWAL PRICING ANALYSIS
Results displayed above reflect average CRC Group E&O 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 E&O Issues
Misc. E&O: The MPL market continues to be aggressive on most classes, offering flexibility on pricing and policy language to win business. This class of E&O is typically the most desired class by insurers but varies greatly due to the wide range of business lumped into this category. Customization in coverage forms and endorsement are required in most situations. Working with a knowledgeable wholesale broker is critical to identifying and securing the most favorable terms available. Decisions made primarily on pricing or direct panel market placements by retail agents are creating coverage gaps and opportunities to those who are working with a wholesale broker.
A+E: The A&E market is stable. Newer wholesale markets are still chasing select accounts with a significant decrease in pricing. With most A&E firms growing in revenue over the last year, premiums are up, but rates are falling behind the growth rate. Firming in pricing is expected in 2026. Geotech, Structural, and high percentage condo/residential work remain more challenging with higher minimum premiums and fewer markets quoting on those specific classes. Loss history is the number one indicator of how renewal will play out in 2026. Expect more pricing adjustments on accounts with claims with less competition as part of a firming market.
Contractors Professional/Pollution: This segment has expanded, with offerings becoming more accessible and more markets now willing to write this line of business. What was once a very limited market has grown considerably.
While appetite restrictions still exist, insureds now have a wide range of options. Coverage continues to broaden, underwriting appetite has become more flexible, and capacity is readily available.
Lawyers: The Lawyers market remains stable. Underwriters are showing more flexibility on acceptable practice areas, but remain sensitive to application changes, quotes may be amended or pulled quickly. Carriers continue to tread cautiously with solo practitioners and small firms, but rates overall remain competitive.
Real Estate: The Real Estate E&O market remains soft, with smaller, commoditized accounts increasingly placed through programs and online platforms. New opportunities are emerging from non-renewals tied to loss history, mixed services, or owned property exposure, the most common coverage gap identified. Appetite remains strong for real estate agents and property managers, while interest in title agents and mortgage brokers has moderated. Capacity for real estate developers continues to expand, though multifamily construction and redevelopment remain higher-rated with tighter underwriting. Elevated interest rates and climate exposure continue to influence activity and underwriting, particularly in commercial and office-related risks. Despite these pressures, the E&O market remains competitive, with ample capacity and favorable conditions for insureds.