Aviso Group Market Insights Report
Across Australia and globally, businesses are navigating an insurance market that is becoming more competitive. Improved insurer appetite and softer pricing in some classes are creating greater choice, at the same time, ongoing economic pressure, claims inflation, supply chain disruption, and continued severe weather activity are reshaping risk exposures and the cost of recovery.
This dual environment means decision-making has in some cases, it has become more complex.
To help businesses better understand these dynamics, Aviso Group has released the latest Market Insights Report, bringing together portfolio analysis, broker expertise, and market intelligence from across the Envest network.
The Aviso Group Market Insights Report goes beyond headline premium trends to examine the broader forces influencing insurance placement, program structure, and insurer behaviour.
Drawing on both national portfolio data and local broker experience, the report highlights not only what is changing in the market — but what those changes mean for businesses in practice.
As conditions become more competitive in some areas and more selective in others, the focus is increasingly shifting towards ensuring insurance programs remain aligned with current exposures, operational realities, and evolving risk profiles.
Key insights from the report
- A more competitive market: While global and local data points to improving insurer competition and easing premium rates in some areas, renewal outcomes remain mixed across industries, classes and individual risk profiles.
- Scale and strength of broker-led portfolios: With over $2.3bn in GWP and more than 376,000 active policies across our broader Envest broking group, the data reflects the breadth of client relationships and the continued reliance on broker-led advice across SME and mid-market businesses.
- Premium is no longer the full story: A softer market is creating opportunities to revisit pricing, but lower premiums do not always translate to better outcomes. Coverage structure, insurer capability, and claims support play an increasingly important role in decision-making.
- Catastrophe activity continues to shape the market: Significant weather events across Australia continue to reinforce the importance of resilience planning, insurer response capability, and well-structured insurance programs.
- Broker value is becoming more visible: As conditions evolve, the role of the broker extends beyond placement, by helping clients review exposures, identify gaps and interpret trade-offs, they help clients make informed decisions that support long-term outcomes.
The Value of a Broker in a Changing Market
While AI and digital tools can improve speed and efficiency, insurance decisions still rely on judgement, context and experience. Small gaps in understanding or interpretation can have significant consequences at claim time.
In a more competitive market, the greatest value is not just accessing options — but understanding them.
Aviso Group brokers continue to work alongside clients to interpret changing conditions, challenge assumptions, and reviewing insurance programs so they remain aligned to evolving risk.
Download the Report
Download the Market Insights Report to explore more of this data along with CEO commentary and case studies.
Disclaimer
The information in this report is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider the appropriateness of any information to your circumstances and read the relevant Policy Wording, Product Disclosure Statement or Target Market Determination before making a decision about any insurance product.