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.
Excess + Umbrella REDY® INDEX - Q1 2026
MONTHLY RENEWAL PRICING ANALYSIS
Results displayed above reflect average CRC Group Excess + Umbrella 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 Excess + Umbrella Issues
Excess and umbrella pricing in Q1 2026 continued to ease from prior peaks, though increases remain firmly in place. CRC REDY Index data indicates average premium change of approximately +9.5% for the quarter, down from the mid-teens range seen in Q1 2025. The deceleration reflects a market that is beginning to stabilize, even as carriers remain intent on achieving long-term rate adequacy.
Loss-driven pressures persist, particularly from large jury awards and ongoing challenges in auto liability. Excess auto and trucking segments continue to experience the greatest strain, with severity trends supporting firm pricing and measured capacity deployment. Meanwhile, more favorable classes such as products liability are attracting increased competition, especially for well-performing risks. Underwriting discipline remains consistent, with continued emphasis on structure, attachment points, and limits.
Capacity is gradually expanding, with new and returning entrants, primarily in higher excess layers, adding competition for quality accounts. The MGA segment continues to play a significant role in E&S growth, supported in part by hybrid fronting arrangements. While top-tier risks are seeing improved market access, more challenging exposures, including higher-hazard construction and habitational real estate, remain subject to tighter underwriting and sustained pricing pressure, underscoring a market that is stabilizing, but still selective.