The top 10 countries account for 73% of total premiums in commercial insurance. Does this guarantee growth for emerging economies in this segment? Most likely! These are the early years of insurance penetration and emerging economies do offer new opportunities for consistent improvement.1 What is in store for 2018? Rate increases and stability. Important commercial P&C lines like auto, marine and property are expecting rate increases this year. The good news is, irrespective of the challenging pricing environment, commercial insurance in the US looks stable. Moving on from the negative outlook since 2011 and underwriting losses in 2017, this provides a huge sigh of relief.