1st Quarter 2026
PSC Market Insights Report
Businesses across Australia continue to face evolving market conditions, shifting insurer appetite, increasing rebuild costs, and growing exposure to weather-related risks.
To support clients and brokers in navigating these changes, PSC Insurance Brokers is pleased to release the Q1 2026 Market Insights Report.
Drawing on portfolio insights from across the PSC and Envest network, combined with broader market analysis, the report explores the key trends influencing the insurance landscape and the opportunities emerging for businesses in a more competitive market.
The PSC Insurance Brokers Market Insights Report reflects a broader commitment to providing practical, data-led insights that help clients make informed risk and insurance decisions.
Combining national portfolio scale with local broker expertise, the report highlights how market conditions are evolving across key sectors, while providing context around what these changes mean for businesses moving forward.
As parts of the market begin to soften, the focus shifts beyond premium reductions alone. The opportunity lies in ensuring insurance programs remain aligned to current operations, asset values, and emerging risks.
What the report covers
This quarter’s report highlights the continued evolution of market conditions across the Australian insurance landscape.
Supported by strong portfolio performance and insights drawn from thousands of active policies across the network, the report explores how competition is increasing across several insurance classes — creating both opportunities and complexity for businesses.
The report combines portfolio data, market observations, and real-world case studies to demonstrate how brokers are helping clients respond to changing conditions through strategic advice, improved policy structures, and tailored risk solutions.
Key themes include:
- Changing insurer appetite and pricing trends
- Ongoing underinsurance concerns linked to rising rebuild costs
- The growing importance of broker advice in a more competitive market
- Emerging risks across cyber, weather, and supply chain exposures
- The shift from transactional insurance buying towards long-term protection strategies
How PSC supports your business
Our brokers use insights from this report to help you:
- Navigate market changes with confidence
- Understand what’s impacting your premiums and coverage
- Make informed decisions based on data, not assumptions
- Build a more resilient insurance strategy tailored to your business
From price to protection
As market conditions continue to shift, the role of a broker becomes increasingly important in helping businesses navigate complexity and make confident decisions.
The strongest outcomes come from ensuring insurance programs remain aligned to business needs — balancing cost considerations with long-term protection, resilience, and claims preparedness.
Download the Report
Access the PSC Insurance Brokers Market Insights Report to gain a clearer understanding of today’s insurance landscape and how it impacts your business.
