Commercial Insurance Companies May 2026

: The Excess & Surplus market now accounts for 9% of the entire property and casualty sector, up from less than 5% five years ago, as specialized risks move toward non-admitted carriers. Essential Commercial Coverage Types

: Consult AM Best ratings to assess a carrier's ability to pay out long-term claims. COMMERCIAL INSURANCE COMPANIES

The commercial insurance market as of 2026 is characterized by a "hard market" transition, where pricing has exceeded loss costs in most lines over the last five years, though liability and medical malpractice remain challenging. Businesses are increasingly leveraging the Excess & Surplus (E&S) market , which has doubled in size since 2018 to fill coverage gaps left by traditional carriers. : The Excess & Surplus market now accounts

: Essential for managing costs related to data breaches, extortion, and cybercrime. Businesses are increasingly leveraging the Excess & Surplus

Businesses typically secure a combination of the following to manage operational risk:

: Nonprofits are facing significant hurdles; approximately 70% of brokers report that carriers are non-renewing certain classes of nonprofits regardless of their loss history, often with premium increases of 25% or more .