The 2025 insurance market brought both relief and new challenges for brokers. Rates moderated in many lines, capacity expanded, and technology reshaped distribution. Here are three key takeaways brokers should carry into 2026.

1. Rate Moderation and Expanded Capacity

After several years of hard market conditions, 2025 marked a turning point. According to McKinsey’s Global Insurance Report 2025: The Pursuit of Growth, rate-driven growth began to moderate as carriers entered the year with stronger capital reserves and improved underwriting portfolios. This renewed stability allowed insurers to expand capacity and compete more aggressively, particularly in property and casualty segments.

For brokers, this shift means clients have more options and leverage in negotiations. Agencies offering insurance for business clients can differentiate themselves by helping buyers navigate this more favorable environment.

2. Technology and Digital Distribution

The insurance ecosystem continued its digital transformation in 2025. Brokers and agents increasingly leveraged AI and digital platforms to streamline operations and expand reach. Real-time quoting, automated workflows, and digital marketplaces have all become must-have tools for connecting buyers with carriers.

It’s more important than ever to adopt modern insurance solutions that enable speed and personalization. Clients expect seamless digital experiences, from instant quotes to transparent claims updates. Agencies that invest in these capabilities not only improve efficiency but also strengthen their role as trusted advisors and continue to build client loyalty.

Robust client engagement tools help brokers personalize outreach through landing pages, email campaigns, and targeted ads. By speaking directly to each segment, brokers can boost engagement, conversion rates, and loyalty.

3. Relationship Management and Client Loyalty

While technology is reshaping distribution, relationships remain the cornerstone of broker success. The 2025 market highlighted the importance of nurturing priority relationships with both clients and carriers. Moving forward, this means brokers should double down on proactive communication and advisory services. Sharing insights on emerging risks, such as cyber threats or climate-related exposures, positions brokers as indispensable partners. Agencies serving insurance for business clients can build loyalty by tailoring coverage to industry-specific needs and providing ongoing education.

According to Bain & Company’s global insurance loyalty research, loyal customers are four times more likely to buy additional products and five times more likely to recommend their insurer. Brokers who nurture these relationships not only protect retention but also unlock growth opportunities.

Insurance Solutions Driving Broker Success in 2026

The 2025 insurance market offered brokers a more favorable landscape, but also demanded adaptation. Moderated rates and expanded capacity created opportunities for clients, while digital transformation reshaped how brokers connect to buyers. At the same time, relationship management remained essential for long-term growth.

The path forward is clear: leverage modern insurance solutions, embrace digital tools, and nurture loyalty among clients. By doing so, agencies can thrive in 2026 and beyond. At Zywave, we are powering the future of the industry by delivering smarter, faster, and more personalized insurance for business solutions. Check out our resource library to learn more!