Property Overtakes Cyber as Most Troubled Line in Q4 2022

The Council’s Commercial P/C Market Index for Q4 is here.

By Zach West Posted on February 22, 2023

Results showed continued signs of premium pricing moderation, though premiums nevertheless continued to climb.

The one line that did not experience any moderation this quarter was commercial property, with premiums increasing 16.0%. It was the first time in 7 quarters a line other than cyber had the highest average increase in premiums.

Download the Q4 2022 report.

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This disconnect between how cyber risk behaves for HNW clients and how it is covered has become one of the most significant protection gaps in private client insurance today. It presents a broader challenge for the industry: when personal risk looks like enterprise risk, coverage must be strengthened to the point that it is personal in name only.

P&C High-Net-Worth Cyber Risk Demands Business-Grade Readiness