HUB Q3 2026 Rate Report
A favourable buyer's market across most lines
Canada’s commercial insurance market remains broadly favourable for buyers, with rate reductions available across most lines for well-managed risks, while early cycle shifts in cyber and catastrophic perils make this the right moment to strengthen programs, not just reduce premiums.
Organizations using this window to build stronger programs, not just reduce premiums, are positioning themselves ahead of the shifting cycle.
Based on proprietary data and expert analysis, HUB’s Q3 2026 Rate Report provides detailed rate outcomes and market observations to navigate shifting market conditions, secure better terms and reduce your total cost of risk.
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