Commercial Lines

While every state saw residential and commercial reconstruction costs increase, premiums for personal auto and homeowners policies show signs of deceleration.

Get up to speed on the five key issues that will be the focus of the 2026 Big “I” Legislative Conference taking place April 22–24 in Washington, D.C.

Throughout the year, the Big “I” and Independent Agent magazine have been hard at work, examining emerging market trends and helping you be there for your clients with the latest insights.

From artificial intelligence (AI)-driven operational shifts and dynamic climate modeling to heightened cyber and privacy risks, 2026 is shaping up to be a year of transformation for the insurance industry.

Articles examined the trend of expanding telematics data, strategies to prevent errors & omissions claims after a merger or acquisition, and how artificial intelligence (AI) can cause E&O exposures.

July started with a bang as the Big “I” secured important wins for independent insurance agencies in the “One Big Beautiful Bill.” And despite mixed results for the property & casualty market, the Big “I” 2025 Market Share Report, showed the independent agency channel is holding steady.

The U.S. property & casualty insurance market is exhibiting mixed results in 2025, with personal auto on track to achieve profitability but homeowners and general liability segments continuing to experience losses.

In the second quarter of 2025, personal lines rates rose by 4.6% and commercial lines rates rose 2.8%.