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 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: Competition remains strong across most miscellaneous professional liability classes, with carriers competing aggressively on pricing and coverage. MPL continues to be a priority segment, although appetite varies widely by class. Tailored forms and endorsements remain essential, making experienced wholesale placement critical to securing optimal coverage and avoiding gaps that can result from price-driven placements or limited retail panel options.
A+E: Market conditions remain stable, with newer wholesale entrants driving competitive pricing on targeted accounts. While revenue growth has increased premium volume, pricing is expected to firm as 2026 progresses. Geotechnical, structural, and heavy residential work remain more challenging due to limited capacity and higher minimum premiums. Loss experience will continue to be the primary driver of renewal outcomes.
Contractors Professional/Pollution: The market continues to mature, offering broader product availability and increased carrier participation. Some markets emphasize Pollution coverage with limited Professional liability, while others lead with broader Professional coverage that includes Faulty Workmanship and Pollution. Although certain class and project restrictions remain, capacity is readily available.
Lawyers: Market conditions remain steady with competitive pricing. Underwriters have become more flexible regarding practice-area mix but continue to scrutinize application changes, particularly for solo practitioners and small firms.
Real Estate: Soft market conditions persist, supported by ample capacity and healthy carrier appetite for real estate agents, property managers, and developers. Title agents, mortgage brokers, multifamily construction, and redevelopment projects continue to receive closer underwriting attention. Claims activity, owned-property exposures, higher interest rates, and climate-related risks remain important underwriting considerations, but overall conditions continue to favor insureds.