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January 15, 2026
Property
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.
Property REDY® INDEX - Q4 2025 MONTHLY RENEWAL PRICING ANALYSIS
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
Pricing momentum continued to favor buyers into Q4 2025, with renewal rates declining further. As a result, an average of 87% of accounts renewing during the quarter achieved rate reductions, reinforcing the sustained soft market trend.
Property loss activity in 2025 is estimated to close out at a multi-year low, supporting strong underwriting performance and extending profitability for property carriers.
While the market is favorable, macroeconomic pressures are creating new underwriting concerns. If tariffs continue to escalate, insureds may face supply chain disruptions and increased costs of goods sold. This could lead to revenue growth that does not reflect real financial strength, prompting underwriters to adjust pricing. Brokers should focus on demonstrating stable operating income and margins to mitigate any perception of artificially inflated exposures.
Alternative capital remained abundant, with ILS and catastrophe bond capacity reaching an all-time high, approximately 30% above capacity levels available in 2022, further enhancing market competition.
Improved market conditions enabled carriers to continue enhancing terms and conditions, including more favorable deductibles and sublimits, while carriers maintained the availability of blanket coverage across many programs.