Private Client Rate Guide — U.S. Coverage 2025 Private Client Insights Rate Guide Specialty; Much like the automobile market, specialty coverage lines will Motorcycle, RVs, +5% to 10% increase to offset losses driven by labor costs, vehicle replacement Watercraft costs and medical expenses. NOTE: Rate is typically defined as the amount of money necessary to cover losses and expenses while providing an insurance company with a profit for a unit of exposure. Exposure refers to a business’ or individual’s susceptibility to various daily risks. Carriers evaluate the level of risk an insured faces in calculating insurance premiums. 9