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Insurers loosen real estate and hospitality property terms globally

Arthur J. Gallagher & Co. said U.S. general liability pricing is still rising, up 4.0% to 9.0%, even as property markets face more competition.

Reported · Written up by our desk · Property Insurance

Insurance markets for real estate and hospitality property risks are generally getting more competitive worldwide, with insurers expanding capacity and showing strong underwriting performance that gives clients more leverage on terms, according to Arthur J. Gallagher & Co.'s August 2026 Real Estate & Hospitality Global Market Update, as summarized by Risk & Insurance.

For casualty coverage, outcomes are diverging by region as claims trends, litigation costs, and jurisdiction continue to drive pricing differences. Risk & Insurance also cited Gallagher's finding that U.S. general liability pricing has generally increased between 4.0% and 9.0%.

In the U.S., property pricing remains favorable across many segments, though Risk & Insurance said rate reductions have moderated versus the larger decreases seen in earlier renewal cycles. Renewal results, Gallagher found, depend heavily on geography, catastrophe exposure, and asset quality, with some organizations redirecting savings toward lower deductibles.

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