2025年安全与防护解决方案行业更新报告-华利安

McGriff.comMarket UpdateQ2 2025 | 2 |When it comes to protecting what matters most in business and everyday life, we believe our clients should never settle for less than the best. For more than a century, we’ve relied on expertise, resources, and relationships to deliver insurance and risk management solutions focused on our clients’ priorities and what they value most.McGriff is part of Marsh McLennan Agency (MMA). Our solutions include commercial property and casualty, corporate bonding and surety, cyber, management liability, captives and alternative risk transfer programs, employee benefits, small business insurance, and personal lines.Our experienced risk management specialists develop highly tailored solutions while listening, learning, and executing with precision under the guidance of our four core principles:Integrity: We do what we say, every time.Determination: We relentlessly pursue success on your behalf.Passion: We are specialists in our field driven to serve you.Collaboration: We build strong relationships with teammates, partners, and you to create the best solutions.Join the thousands of businesses, organizations, and individuals across the country who choose McGriff, a firm dedicated to building long-term relationships and helping protect your most valuable assets.With McGriff, you’ll never have to settle for less.ContentMarket Overview ............................. 3Property & Casualty ...................... 10Employee Benefits ........................ 14Market Update by Industry Sector and Coverages ................... 18Auto Dealers ............................ 19Aviation .................................... 21Construction ............................ 26Cyber......................................... 31Energy ....................................... 35Environmental ......................... 39Flood ......................................... 42Marine ...................................... 45Public Company Directors and Officers Liability .............. 47Public Entity............................. 50Real Estate & Hospitality ....... 55Restaurants .............................. 59Senior Care .............................. 61Transportation ......................... 64About McGriff | 3 |With the exception of Commercial Auto and Umbrella, all other insurance lines showed lower premium increases in Q1 2025 than in the last quarter of 2024, signaling softened market conditions, according to the most recent report from The Council of Insurance Agents & Brokers (CIAB).Market Overview | 4 |Premiums across all account sizes rose by an average of 4.2%, down from the 5.4% increase in Q4 2024. Five lines recorded decreases in premiums: Cyber Liability, Directors & Officers Liability, Employment Practices Liability, Terrorism, and Workers’ Compensation. As in Q4 2024, Commercial Auto and Umbrella policies had the highest average increases in premiums of all lines this quarter, at an average of 10.4% and 9.5%, respectively, higher th