Ivans, a division of Applied Systems, released Ivans Index results for January 2026, showing year-over-year increases in average premium renewal rates for commercial auto, business owner’s policy (BOP), general liability, commercial real estate and Umbrella.
Conversely, workers’ compensation premium renewal rates declined during the same period.
On a month-to-month basis, premium renewal rate change decreased across all business lines except for Umbrella, which increased.
The change in the premium renewal rate of commercial automobiles decreased from the previous month, with the average premium renewal rate changing at 5.62%, and the average premium renewal rate changing at 6.46%.
The balance of payments premium renewal rate change fell to 6.89% from 7.58% reported at the end of December. The average change in premium renewal rates for commercial real estate was 7.22%, compared with 8.34% last month.
The average change in general liability renewal rates was 6.89%, down from 7.52% in December, while workers’ compensation averaged -2.17%, down from -1.77% last month.
Umbrella’s average premium renewal rate change increased slightly, to 10.47% from 10.07% in December.
The monthly Evans Index reports data-driven trends in premium renewal changes for the top commercial insurance lines.
It analyzes more than 120 million data transactions from more than 38,000 institutions and 700 insurance companies/MGAs, measuring year-over-year premium differences for a single consistent policy, reflecting U.S. insurance market trends.