HUB Q3 2026 Rate Report
As property softens and casualty holds firm, program strategy has never mattered more
The property and casualty (P&C) market continues to be a buyer’s market. Carrier capital remains strong; competition is intensifying across nearly every line, and new capacity continues to enter the market.
The property & casualty (P&C) market continues to move in two directions: property softening is delivering real savings for well-managed risks, while casualty lines face structural pressure from social inflation and litigation trends. Organizations building their renewal strategy around both stories are consistently achieving the strongest outcomes.
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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