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 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
Casualty pricing is softening: First-half 2026 excess and umbrella renewals decelerated, averaging 6.3% to 10.7%, down from the 12% to 16% levels of a year ago. Expanded capacity and heightened competition have helped to create rate relief. The rate of increase is decreasing.
Rate relief is broadening across the casualty market: Property, D&O, and cyber have all been in a softening market and excess casualty is now following, perhaps due to carriers looking to ask their Casualty teams to help stop leakage of business from other lines. Brokers are reporting more competitive terms and quoting activity. Even so, social inflation, larger jury verdicts, and third-party litigation funding continue to pressure severity in the excess layers, keeping underwriters selective. Clean accounts get better pricing, tough accounts still tough.
Higher-layer capacity: Carriers deploying $25 million or more in a single layer remain scarce, and most first-layer towers cap at $5 to $10 million. Layering, quota-share, and surplus lines participation are still needed to complete towers. Tougher classes of business continue to see coverage limitations and less favorable pricing.
A segmented market rewards preparation: Clean accounts are capturing the most relief while challenged classes face slower improvement and tighter terms. Insureds providing organized submissions and documented risk controls are best positioned to obtain better pricing and coverage.