The most important question for insurance buyers has shifted. It's no longer "What is the market doing?" - it's "How is my outcome being determined within the market, and is this to my best advantage right now?"
That distinction forms the basis of our latest report, Beyond Averages, which examines insurance market direction and mechanics in Australia and what it means for your business heading into renewal.
During Q4 2025 and into Q1 2026, we observed a widening gap between portfolio-driven market engagement – where risks are grouped with others - and the outcomes achieved when individual risk profiles are assessed on their own merits.
As you approach your upcoming renewal, we encourage you to consider how your own program is positioned and whether it currently reflects your individual risk profile or someone else’s.
What sophisticated buyers are doing differently
Our report outlines:
- The strategies that are delivering better outcomes in 2026.
- How market dynamics and underwriting approaches are shaping results. an
- Current market conditions across Directors’ and Officers’ (D&O), Professional Indemnity, Crime, Statutory Liability and Cyber Liability Insurance.
Looking ahead to 2026
Key themes expected to shape the remainder of the year include new minimum premiums on long-tail classes, emerging underwriting priorities around privacy and AI, anticipated capacity shifts, and the downstream impact of new laws across privacy, M&A, Employment Practices and construction.
Download the full report
To understand how your program can be positioned to outperform market averages and what questions to be asking your broker before your next renewal.
Disclaimer: The information contained in this release is provided as general advice only and has been prepared without taking into account your individual objectives, financial situation, or needs. Before acting on any information, you should consider whether it is appropriate to your personal circumstances. We recommend reviewing the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) available from Aviso Specialty before making any decision regarding a financial product. View Aviso Specialty’s Privacy Statement. Aviso Specialty is a Subscriber to the 2022 Insurance Brokers Code of Practice and is bound by its standards. A full copy of the Code is available on the National Insurance Brokers Association (NIBA) website. ABN: 25 050 242 914 | AFSL: 244386
