Commercial Property Premiums Rise 5.37% in October

Ivans Index data show year-over-year renewal rate increases across most commercial lines in October 2026, with Workers' Compensation the lone decline.

Updated on Nov. 5, 2026 in Insurance

Commercial Property Premiums Rise 5.37% in October

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Ivans released its October 2026 Ivans Index results, showing premium renewal rates rising year over year for Commercial Auto, BOP, General Liability, Commercial Property and Umbrella policies. Workers' Compensation premium renewal rates fell 1.45% over the same period.

Why it matters

The Ivans Index measures the premium difference year over year for a single consistent policy, giving insurance buyers and agencies a benchmark for renewal pricing across commercial lines. For businesses across the United States, these figures indicate that most commercial coverage costs are continuing to climb at renewal.

The Ivans Index measured year-over-year renewal premium changes in October 2026 across more than 120 million data transactions from over 38,000 agencies and 700 carriers and MGAs. Commercial Property rose 5.37%, Umbrella 6.08%, BOP 5.21%, General Liability 3.10% and Commercial Auto 2.80%, while Workers' Compensation fell 1.45%; the release does not explain the drivers behind the monthly movements.

The players

Ivans

Ivans is an insurance technology company whose Ivans Index tracks commercial insurance premium renewal rates using data from agencies and carriers across the United States.

The details

Ivans released its October 2026 results on November 5, 2026, from Chicago, Illinois. Commercial Property premium renewal rates increased month over month from 5.11% in September to 5.37% in October, while Umbrella fell from 6.40% to 6.08%, Commercial Auto fell from 3.29% to 2.80%, BOP fell from 5.45% to 5.21% and General Liability fell from 3.19% to 3.10%.

End of September 2026: Baseline prior-month premium renewal rates were recorded.
October 2026: Ivans Index premium renewal rate results were measured.
November 5, 2026: Ivans publicly released the October 2026 Ivans Index results.

Market Dynamics

The October 2026 Ivans Index results extend its monthly series of commercial premium renewal tracking, updating the September figures with new year-over-year comparisons. Most commercial lines continued to show increases, with Workers' Compensation the exception, falling after a September decline of -1.14%.

Businesses renewing Commercial Property, Umbrella, BOP and General Liability policies should expect higher premiums than a year earlier, based on these October benchmarks. Workers' Compensation renewals are the one line where year-over-year pricing declined in this release.

The takeaway

Commercial policyholders should review renewal quotes line by line, since premium movement in October 2026 varied widely across coverage types. Comparing renewal offers against the prior year's premium can show whether an increase is in line with the market benchmarks reported by the Ivans Index.