Business Coverage Made Simple
August 1, 2026 · EasyCommercialInsurance.com
Commercial property insurance just posted its steepest rate decline in nearly a decade. If you haven’t shopped your business coverage recently, you’re likely overpaying.
Commercial property rates fell 5.5% in 2026 — the most aggressive pricing shift in the commercial property segment since before 2017. The broader commercial market is softening across most lines:
The drivers: reinsurance capacity is strong, cat bond markets are well-funded, and carrier appetite has expanded significantly. Insurers that were pulling back from Florida commercial risks a year ago are now actively competing for them.
If you renewed your commercial policy in 2024 or 2025, you almost certainly paid near peak-market pricing. The market has shifted — but your current carrier won’t tell you.
For small businesses with a Business Owners Policy (BOP), this is especially relevant. BOP pricing has become extremely competitive as carriers chase market share. Businesses that locked in a 2024 rate could be overpaying by 15–25% relative to today’s market.
1. Get a re-quote before your next renewal. Don’t wait until 30 days out. Shopping now gives you time to compare and switch if the savings are there.
2. Review your coverage limits. Lower premiums don’t mean you should cut coverage — make sure your property limits reflect current replacement costs, especially with construction costs still elevated.
3. Ask about bundling. Workers comp, commercial auto, and BOP from the same agency often unlocks additional multi-line discounts on top of already-lower rates.
We’re already seeing carriers coming in 10–20% below what they quoted the same risks 12 months ago. For established businesses with clean loss histories, the savings are even more pronounced.
Call 800-616-1418 or get a quote in 2 minutes — no obligation.
Our team specializes in Florida commercial insurance. We shop multiple A-rated carriers to find the best coverage at the best price for your business.