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.
Ongoing + Emerging EPL Issues
EPL conditions remained favorable for buyers through 2025 and into the first half of 2026, with abundant capacity, new MGA and Insurtech entrants, and competitive pricing for well-performing accounts. Beneath the surface, however, carriers are closely monitoring emerging exposures as employers scale back ESG and DEI initiatives, workforce reductions continue, and litigation trends evolve.
Reverse discrimination claims, political-affiliation allegations in certain states, and the rapid adoption of AI in hiring, promotion, and termination decisions are all receiving increased underwriting attention, alongside a growing patchwork of AI-related regulations and early litigation targeting both employers and technology vendors.
While pricing on clean business remains competitive, carriers continue to offset rising claims severity through higher retentions, particularly for class actions and risks headquartered in California, New York, and other employee-friendly jurisdictions. Healthcare, staffing, hospitality, retail, auto dealers, law firms, and portions of the technology sector remain under increased scrutiny.
Supplemental coverages, including wage and hour, FLSA, IRCA, and limited BIPA defense cost sublimits, remain available but are increasingly restricted in certain jurisdictions. Overall, carrier appetite remains strong, but underwriters continue to focus on developing risks including AI, pay equity, employee privacy, sexual harassment, and social inflation, making supplemental underwriting and industry-specific diligence increasingly common.