The insurance industry enters 2026 much like it began 2025 — amid volatility and uncertainty. While commercial insurance conditions remain broadly favorable, especially in property markets, challenges persist in third-party liability. Insurers are financially healthy and underwriting discipline is strong, yet clarity remains elusive.
Economic signals are mixed. Inflation and unemployment are creeping upward, interest rates are edging lower, and political and regulatory uncertainty continues to cloud forecasts. Carriers continue to report solid results, but concerns about rate adequacy, slowing growth, and sustainability linger.
In this environment, organizations that take a proactive and strategic approval to risk capital will be best positioned to optimize their insurance programs and gain an edge in a shifting market. Learn more about where the commercial insurance marketplace is heading in 2026 and how you can stay on track with your insurance program in our latest Lockton Market Update (opens a new window).
