Insurance buyers are currently benefiting from some of the most competitive market conditions in recent years, with double-digit rate reductions and abundant capacity across key lines such as property, cyber, and directors and officers (D&O) in major markets including the US, UK, continental Europe, Korea, Australia, and Latin America. However, industry experts caution that this buyer-friendly environment is underpinned by persistent market fragmentation and rising systemic risks, suggesting that current conditions may not last. That is, according to Aon’s Q3 2025 Global Insurance Market Insights report.
