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January 15, 2026
Excess + Umbrella
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.
Excess + Umbrella REDY® INDEX - Q4 2025 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 + Emerging Excess + Umbrella Issues
At the close of 2025, the excess casualty market began showing signs of stabilization, though underwriting discipline remained firm. Pricing pressure has eased selectively, particularly in middle and higher excess layers, where well-performing accounts are increasingly achieving better than prior-year results. Primary and low excess layers remain firm due to loss frequency, defense cost inflation, and ongoing reinsurance constraints. Individual account outcomes continue to be highly differentiated based on loss experience, data quality, and overall risk profile.
Capacity has modestly improved above the $10M attachment point. Line sizes, however, remain constrained, driving layered towers and limited structural flexibility. Underwriters remain focused on attritional losses, adverse jurisdictions, and rising defense costs, with heightened scrutiny on severe bodily injury, auto liability, and habitational risks.
While pricing is more negotiable in certain layers, coverage terms and exclusions have largely held firm.
Looking ahead, gradual increases in competition in higher excess layers are expected through 2026, while primary and low excess pricing is likely to remain firm into mid-year. Accounts with clean loss histories, strong risk management, and clear underwriting narratives will benefit most from improving conditions and are worthwhile of negotiation. Early engagement and disciplined program design remain critical to navigating the excess casualty market effectively.