Agribusiness Rate Guide — U.S. Coverage 2025 Agribusiness Insights Rate Guide Capacity between carriers for D&O placements remains strong. D&O -10% to +5% Underwriters are aggressively cutting premiums, giving automatic renewals and awarding two-year policies to maintain business. Premiums for cyber liability insurance are expected to continue to fall. Breaches and outages of significant service providers (i.e., Cyber -10% to Flat breaches at Change Healthcare and Crowdstrike) haven’t led to rate hikes yet but may point to harder market conditions in the first half of 2025. The marketplace for Ocean Marine, Cargo, Inland Marine and Stock Throughput has softened and more capacity is available every day. Stock Throughput -10% to +5% Controls and account makeup really effect the structure of deals and therefore pricing and limits. Expect to see fewer carriers in the layer (i.e., more deployed capacity per layer) and more capacity lower in the tower which drives down the expense. Crop premiums are determined by current and future commodity Crop Flat to +10% prices. The continuation of a limited supply chain and other factors will result in rising rates for corn, wheat and soybeans during the 2025 harvest. 9