Commercial Insurance Rates Continue Variable Up and Down

Ivan’s Index For August Says All Rates Are Up Year Over Year Save Worker’s Comp

According to the latest Ivan’s Index, focusing on August Rates, almost all average premium renewal rates increased, with the exception of Worker’s Compensation rates.

Released monthly, the Ivans Index is a data-driven report of current conditions and trends for premium rate renewal change of the most placed commercial lines of business in the insurance industry, including Commercial Auto, BOP, General Liability, Commercial Property, Umbrella, and Workers’ Compensation. The outfit analyzes more than 120 million data transactions to compile its monthly Index on premium renewal rate changes by measuring the premium difference year over year for a single consistent policy. 

Premium renewal rate change by line of business for August 2025 highlights include:

• Commercial Auto: 7.19%, down from 7.96% last month.
• BOP: 7.65%, up from 7.55% at the end of July.
• General Liability: 5.91%, up from July, which was 4.98%.
• Commercial Property: 7.84%, down from 7.98% in July.
• Umbrella: 9.02%, up from 8.83% in July.
• Workers’ Compensation: -1.45%, up slightly from -1.48% last month.                

For those interested in downloading the complete report, it can be accessed by filling out a form on the Ivans website here: Q2 2025 Ivans Index Report.