A Softer Property Market Brings Opportunity. Are You Ready for 2026?
After several years of relentless rate pressure, the property insurance market is finally offering buyers a window of opportunity. The market closed 2025 on a noticeably softer note. Despite another year of headline‑grabbing natural catastrophe losses, increased capacity, improved terms, and meaningful rate reductions became widespread across both CAT‑exposed and non‑CAT programs.
EPIC’s 2026 Property Market Snapshot highlights that while softening is expected to continue in the absence of major U.S. CAT events, the market remains fragile. Rising replacement costs driven by tariffs, increased focus on accurate valuations, and the potential for a single adverse catastrophe year could quickly reverse momentum. That makes strategic action critical right now.
In the full snapshot, EPIC’s property team shares:
- What’s driving today’s rate relief and expanded capacity
- What underwriters are prioritizing as valuations and models come back into focus
- Practical strategies to structure programs, adjust retentions, and explore alternative risk solutions
- How sophisticated data, modeling, and relationships can translate directly into better outcomes
If you’re responsible for managing property risk, or looking to capitalize on a shifting insurance landscape, this snapshot provides the insight you need to make the most of today’s conditions while preparing for what comes next.
Download the full Property Market Snapshot to understand where the market is headed and how to position your program for success.
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Download now: EPIC’s Property Market Snapshot
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