Transportation Market Update: Summer 2025

Brown & Riding’s Summer 2025 Transportation Market Update provides a detailed overview of the current transportation marketplace across multiple sectors. Our experts have pooled their knowledge on several key market lines, creating a comprehensive guide to the industry’s latest developments.

A brief summary of the 8-page report is below.

For a comprehensive look, including key observations, insights, and success stories, click the button below.

With persistently severe claims due in part to social inflation caused by third-party litigation financing, the commercial auto market projects to be a loss line for carriers continuing into 2026. Meanwhile, telematic data has recently gained prominence as a risk control measure, among other new trends impacting coverage.

The Auto Physical Damage (APD) market has become more stringent due to frequent, severe claims. Monoline APD remains limited with few new entrants, although opportunities exist when APD is packaged with other lines of business. Meanwhile, Motor Truck Cargo presents challenges for accounts with poor loss experience, remaining competitive for high-performing accounts.

Despite ample weather events and increasing inventory levels in the United States, competition remains strong in the Dealers Open Lot space. Manufacturer programs, lending institution programs, and several Managing General Underwriter programs make up the majority of the capacity available.We have in-house nationwide binding authority for up to $40M in values in certain states with indoor credit, flexible deductible options, exclusive coverage enhancements, and loss limits available

Capacity in the excess transportation market has fluctuated in recent years. The market, historically focused on trucking, continues to see an influx of non-truck accounts with heavy auto exposure. These accounts can often see double-digit rate increases when moving from the “traditional” excess market, which is expected to continue making changes in capacity and/or attachment point, creating opportunities in the market.

Niches of the transportation industry impacted by cultural and regulatory shift are experiencing differing changes in their scope. While the medical transport and waste hauling sectors are growing and becoming more profitable, bus and shuttle transport has been shrinking due to changes originating from the COVID-19 pandemic.

The agribusiness sector is stabilizing, but isolated areas maintain hardened market conditions. In the past, insurers retreated from the sector due to escalating losses and other concerns. This has slowed now that insurers have largely made the necessary adjustments to their portfolios, implementing a cautious, data-driven approach to loss.

Transportation Pollution Liability (TPL) provides specialized protection for environmental incidents. Retail agents must understand TPL’s uses and limitations, especially compared to the standard auto pollution coverage solutions in their CA 9948 or MCS-90 endorsements, to effectively guide their clients.

For additional observations, insights, and recent success stories from Brown & Riding’s experts, click the button below.

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Beau Cantrell, Will Cea, David Chipp, Andrew Giordano, Ross Nichols, and Harrison Scheider bring their breadth of expertise to B&R’s Transportation Practice, led by Tim Pedersen, Jr. and Courtney Murphree. Working with a nationwide team of dedicated professionals, they offer extensive knowledge of the transportation industry, along with superior service and a holistic approach to coverage.