The Baldwin Group released its Q2 2025 Market Pulse Report on July 29, 2025, revealing an increasingly bifurcated commercial insurance marketplace. The report indicates a divergence between property and casualty lines.
Commercial property markets have stabilized, supported by improved reinsurance dynamics, expanded MGA and E&S capacity, and increased use of real-time risk data. Conversely, excess and general liability, along with commercial auto, face mounting pressure from heightened litigation risks.
The report emphasizes that market conditions favor proactive risk management and advises businesses to reassess policy limits, tighten program structures, and reinforce data-driven risk profiles. This guidance aims to help clients navigate evolving market complexities and secure optimal program structures.
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