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.
Results displayed above reflect average CRC Group Property 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 Property Issues
Property rates continued to soften at an accelerated pace. Average renewal rates declined between 8.8% and 13.3% month-over-month during the first half of 2026, a notable increase from the 1.5% to 5.5% monthly declines observed during the same period in 2025.
Ample reinsurance capacity continues to support favorable market conditions. Global reinsurance capital reached approximately $790 billion at mid-year, while demand remained relatively stable. At the same time, first-half global catastrophe losses of roughly $38 billion remained below the 10-year average, reinforcing competitive market dynamics.
Competitive pressures continue to extend beyond pricing to broader coverage enhancements. Buyers continue to benefit from higher available limits, lower deductibles, and broader policy terms, with June 1 property catastrophe renewals producing rate reductions of up to 25% for well-performing, loss-free accounts.
Current market conditions are expected to persist, although underwriting discipline remains for higher-risk CAT-exposed accounts. While downward pricing pressure is likely to continue, carriers remain focused on loss-affected and catastrophe-exposed risks, and continued margin compression could influence pricing discipline as the market approaches 2027.