We’re currently “in the depths” of a soft market, Finity says, with conditions “entrenched” in commercial lines and little sign of a momentum shift.

This year’s INFORM report, compiled by the actuarial consultancy and Insurance News, spells out where the market is heading and why – with a line-by-line summary of rates, capacity and profitability, plus features on the rationality of the market, cyber, and psychological claims.

An exclusive printed copy of the report was handed to attendees at last month’s Insurance News Outlook 2026 conference.

But if you missed it, you can sign up for a free webinar and hear direct from the report’s authors on its key findings – and ask them questions. The April 22 webinar, hosted by Insurance News MD Andrew Silcox, will feature Finity principals Susie Amos and Pravesh Ponna and Insurance News editor-in-chief John Deex.

In the report, Finity forecasts further rate drops of 8-12% in corporate property, up to 5% falls in strata, with financial lines and cyber down 5-10%, and standalone liability expected to reduce by up to 7%.

It says that two years into a deeply softening market, it’s easy to wonder “how on earth rates continue to fall so steeply”, and speculation is growing that we’re starting to see signs of an irrational market.

“What we now believe we are seeing is market players each engaging in strategies to defend and grow their portfolios, which collectively is leading to a seemingly irrational and unsustainable market,” Finity says.

It outlines three potential paths for the soft market, which will be discussed in depth on the webinar.

Click here to register.