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 Private D&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 Private D&O Marketplace Issues
The private D&O market is showing early signs of stabilization after a prolonged soft market. Renewal pricing has remained largely flat through the first half of 2026, while abundant capacity from MGAs, Insurtech facilities, and public D&O carriers continues to support strong competition, particularly on excess layers.
Buyers still benefit from favorable terms, including broader coverage enhancements, reduced exclusions, flexible retentions, and competitively priced Side A DIC coverage. M&A activity has increased demand for transactional D&O solutions, including runoff coverage for acquired companies and standalone tail policies for sellers without existing D&O insurance.
Financial performance remains a primary underwriting focus as bankruptcies rise and economic uncertainty continues. Underwriters are closely evaluating capital access, financial statements, AI governance, and growing private company exposures such as regulatory actions, antitrust claims, and breach-of-duty allegations.
While market conditions remain favorable for most insureds, healthcare, fintech, cryptocurrency, distressed accounts, and claims-affected risks continue to face higher retentions and tighter underwriting. Carriers are increasingly using flat auto-renewals to retain business and remain attentive to interconnected exposures across D&O, EPL, and fiduciary liability, where employee activism, layoffs, excessive fee litigation, and rising settlement values continue to drive underwriting scrutiny.