2 min read
How to Prevent Roof Collapse from Snow and Ice
Topics: Construction Commercial Risk Management Unison Risk Advisors
2 min read
2025 Fall Commercial State of the Market
The commercial insurance market continues to shift as we approach the end of 2025. In Q2, average premiums increased by 3.7% across account sizes, marking the 31st consecutive quarter of upward movement. While some lines are stabilizing or softening, others remain under pressure due to litigation trends, economic factors and emerging risks. Businesses must stay informed and proactive to secure favorable terms and manage evolving exposures effectively. Explore what’s shaping insurance decisions and outcomes for your organization.
➡️ Download the full Fall 2025 Commercial State of the Market Report.
To view trends from earlier this year and evaluate how market strategies may have evolved, check out our Spring 2025 State of the Market Report.
Commercial Property
The Commercial Property market is entering a more favorable phase after a prolonged period of hardening. While carriers continue to apply rate increases, the pace has slowed significantly. Average premium increases dropped to 1.9% in Q2 2025, representing a nearly 70% decrease from Q2 2024.
This softening is largely attributed to increased reinsurance capital and expanded capacity, which have helped stabilize the market. Builders Risk coverage continues to be impacted by inflation concerns tied to tariffs on imported construction materials, which could drive up repair and replacement costs. Despite active wildfire and storm seasons, most losses have been concentrated in the Personal Insurance market, and the anticipated hurricane season has been milder than expected. These factors have contributed to a more stable outlook for Commercial Property heading into 2026.
Umbrella/Excess Liability
The Umbrella and Excess Liability market remains one of the most challenging areas for insureds in 2025. Leading all lines in premium increases for Q2, Umbrella coverage rose by an average of 11.5%, driven by ongoing litigation trends and a surge in nuclear and thermonuclear verdicts.
The market continues to grapple with social inflation, aggressive legal strategies and third-party litigation funding, all of which are contributing to higher claim severity and frequency. Capacity constraints are also becoming more pronounced with carriers tightening their underwriting standards. Insurers are prioritizing accounts with strong risk management practices and exploring innovative program structures to maintain profitability.
Industry Spotlights
- Education: Liability lines remain hard, driven by social inflation, litigation financing and rising mental health-related claims. Cyber coverage is beginning to firm, though strategic remarketing can still yield favorable outcomes.
- Healthcare: Healthcare organizations continue to face a complex risk landscape shaped by staffing shortages, litigation trends and financial pressures. Underwriting strategies are evolving in response.
- Mergers & Acquisitions: Deal activity is gaining momentum, fueled by strategic buyers and global private equity. While economic uncertainty lingers, available capital suggests potential for increased transactions ahead.
- Real Estate: Property placements are softening, but liability remains challenged due to social inflation, nuclear verdicts and litigation funding. Underwriting discipline and proactive risk management are critical.
Reach Out to an Advisor
In today’s shifting insurance landscape, staying ahead of market trends and emerging risks is more important than ever. Whether you’re evaluating coverage options, preparing for renewals or navigating complex exposures, Unison Risk Advisors is here to support your strategy. Our team brings deep industry insight and a proactive approach to help you make confident, informed decisions that protect your organization and position it for long-term success.
Topics: Construction Commercial Risk Management Unison Risk Advisors manufacturing
3 min read
Supply Chain Risk & Business Interruption Insurance
Topics: Construction Commercial Risk Management Unison Risk Advisors manufacturing
6 min read
Pursue Growth: An Ongoing Journey
On May 2, 2022, my mother, Kelly Slusser, was killed in an auto accident. She was involved in a head-on collision. The other driver was texting and driving.
As a devoted stay-at-home mom, my mother raised five children, and was at every game, concert, and birthday, as well as the occasional meeting with the school principal. She was relatively quiet and reserved. At her funeral, I expected to see a few family members and close friends. To my surprise, hundreds of people showed up, with a line extending out of the building.
Topics: Commercial Risk Management
2 min read
Management Liability Crime Considerations
During this very challenging and hardening insurance market, we recognize that eliminating certain types of insurance can be tempting. We often see requests to reduce or remove coverages like directors & officers liability, employment practices liability, fiduciary liability, and comprehensive crime coverage to allow for upfront premium savings. However, it is important to understand that eliminating these policies results in a gap in coverage and can actually increase your costs. Defending claims for actual or alleged wrongful acts related to managing your organization, your employees, and your employee benefit programs can be very costly. Any claim settlements would be an additional out-of-pocket expense to your bottom line.
Topics: Commercial Insurance Claims Commercial Risk Management
2 min read
Life Happens...Who Is Depending On You? The Value Of Life Insurance
Life insurance is one of those necessary evils that many of us don’t like to think about. While you hope you never need it, the chances are at some point you will. Life insurance is a wonderful way to help protect your family’s financial future whether you have a spouse, kids, parents that depend on you for financial support, or just debt. Life insurance provides a tax-free benefit to fulfill your needs, and those of your family, should you pass away andcan help your family pay for, and pay off, expenses such as:
- Funeral cost
- Uncovered medical expenses
- Mortgage
- Loans and credit card debt
- College funding
- Retirement funding
- Ongoing living expenses for your dependents
Topics: Risk Management Personal Insurance & Risk Management Commercial Risk Management Life Insurance
5 min read
Appreciate Your Money
Today we’re sharing insight from guest blogger Anita S. Knudtson, Consultant/Owner of Experient Consultancy. We hope you enjoy Anita's wisdom and perspective.
Topics: Finance Commercial Risk Management
What's The Risk: 4th of July
Celebrating one of the nation's most historical holidays can be festive, but has the potential for risk. So we bring you a look at the 4th of July by the numbers with interesting statistics and facts. As with any holiday celebration, have fun and stay safe!
Topics: Risk Management Claims Personal Insurance & Risk Management Commercial Risk Management WhatsTheRisk
1 min read
National Work Zone Awareness Week
Each year, National Work Zone Awareness Week brings attention to these safety, mobility, and constructability issues. As a driver, you must use extra caution in work zones to keep yourself and others safe.
Topics: Construction Construction & Surety Commercial Risk Management Risk Management Services WhatsTheRisk
1 min read
Cyber Threats To Educational Institutions
We often think cyber-attacks only affect large corporations like Equifax, Home Depot, Uber, and Target. While these are extensively covered in the national media, what we don’t hear about are all the school districts across the country also being hit by cyber thieves.