2026 market outlook: what's soft, what's hard, and what's complicated

Mid-year market reviews describe 2026 as soft in places, hard in others, and complicated nearly everywhere. Property, workers' compensation, and cyber are broadly buyer-friendly, with flat-to-lower pricing and more carriers competing for accounts.

Auto, umbrella and excess, and professional liability remain under pressure from litigation trends and rising repair and medical costs. Flood protection is a recurring theme, with the gap between what is insured and what is actually at risk continuing to widen.

The practical takeaway for Florida families and businesses: don't treat your policies as one bucket. Some lines are ripe for savings right now, while others need a careful limits review so you are not caught underinsured.