Transportation Rate Guide — U.S. 2025 Coverage Transportation Insights Rate Guide Cyber rates continue to fall. Though significant breaches/outages Cyber -10% to Flat with service providers (i.e., Change Healthcare, Crowdstrike) haven’t led to rate hikes yet, harder market conditions may occur during the first half of 2025. 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