根据 Marsh 的《全球保险市场指数》报告，印度的财产保险费率连续第四个季度出现下降。在 2026 年第一季度，部分客户的财产保险费率降低了多达 45%；这主要是由于保险公司产能的增加以及市场竞争加剧，从而对保费产生了下行压力。该保险经纪公司还表示，2026 年前三个季度，印度的商业保险费率（包括财务责任保险、专业责任保险和网络保险）也普遍有所下降。
Property insurance rates in India declined for the fourth consecutive quarter, with some clients seeing reductions of up to 45% in the first quarter of 2026, as increased insurer capacity and competition put downward pressure on premiums, according to Marsh’s Global Insurance Market Index. The insurance broker said commercial insurance rates in India also declined across financial and professional liability and cyber insurance during the first three quarters of 2026.
印度在印度-中东-非洲（IMEA）地区内的费率降幅最为显著：报告指出，2026 年第一季度，印度公司董事和高级管理人员的责任保险费率下降了 20%，专业责任保险的费率也同样出现了下降。
India recorded some of the steepest rate reductions across the India, Middle East and Africa region. In the first quarter, directors’ and officers’ liability insurance rates in India fell by as much as 20%, while professional indemnity insurance rates also declined, Marsh said in its report released on October 21.
Marsh 在 10 月 21 日发布的报告中指出，印度财产保险费率的持续下降主要归因于保险公司产能的增加和市场竞争的加剧；此外，印度取消相关关税也为保险公司的竞争提供了有利条件。保险公司为了争夺优质风险项目，更加积极地与企业进行谈判，从而为企业提供了更大的空间来协商保费金额、保险责任范围以及保险条款。
Property insurance rates decline for fourth consecutive quarterSome Indian clients experienced property insurance rate reductions of up to 45% in the first quarter of 2026, although the decreases were typically lower, Marsh said. For comparison, the average property insurance rate decline across the IMEA region was 10% in the first quarter. The report attributed the continued decline in Indian property insurance rates to increased insurer capacity and competition, supported by the removal of tariffs in India.
此外，印度的财务责任保险和专业责任保险费率也连续第四个季度出现下降：根据 Marsh 的数据，2026 年第一季度，公司董事和高级管理人员的责任保险费率下降了多达 20%，专业责任保险的费率同样有所降低。公司董事和高级管理人员责任保险主要涵盖因他们的管理决策和行为而产生的相关索赔，具体赔偿范围需根据保险条款确定。
Insurers have competed more actively for well-managed risks, giving businesses greater scope to negotiate premiums, coverage limits and policy terms.D&O and professional indemnity insurance rates fallFinancial and professional insurance rates in India also declined for the fourth consecutive quarter. D&O liability insurance rates fell by up to 20% in the first quarter, while professional indemnity insurance rates also recorded reductions, according to Marsh.D&O insurance covers certain claims against company directors and officers arising from their managerial decisions and actions, subject to policy terms.
职业责任保险通常涵盖因专业服务、错误或遗漏而产生的特定索赔。Marsh表示，企业可以利用竞争性市场审查保额、免赔额和保单结构，而不应只关注降低保费。网络保险费率连续12个季度下跌网络保险费率在IMEA地区连续第12个季度下降。Marsh表示，印度在2026年第三季度录得该地区网络保险费率最陡峭的下降，而地区平均水平下降了10%。
Professional indemnity insurance generally covers specified claims arising from professional services, errors or omissions. Marsh said businesses could use the competitive market to review coverage limits, deductibles and policy structures rather than focusing solely on reducing premiums. Cyber insurance rates fall for 12th consecutive quarterCyber insurance rates declined for the 12th consecutive quarter across the IMEA region. India recorded the steepest cyber insurance rate decreases in the region in the third quarter of 2026, while the regional average fell 10%, Marsh said.
尽管费率下降，但随着数字依赖度增加以及新兴技术改变潜在威胁的性质，企业仍面临不断演变的网络风险。企业可以利用当前的市场条件，审查其网络保险保障是否充分反映其风险敞口。保险费率下降对企业意味着什么保险公司承保能力增加和竞争加剧，可以为企业提供更多机会来谈判保费、保额、免赔额和保单条款。然而，实际可获得的保费和保障将取决于公司的风险状况和保单条件。
Despite lower rates, businesses continue to face evolving cyber risks as digital dependence increases and emerging technologies change the nature of potential threats. Companies can use the current market conditions to review whether their cyber insurance coverage adequately reflects their exposures. What declining insurance rates mean for businessesIncreased insurer capacity and competition can give businesses more opportunities to negotiate premiums, coverage limits, deductibles and policy terms. However, the actual premium and coverage available will depend on a company's risk profile and policy conditions.
Marsh表示，企业应利用当前市场条件，在地缘政治不确定性、网络威胁、供应链中断和自然灾害等风险中重新评估其保险计划。它还建议企业在审查保障时考虑保险周期可能发生变化的可能性。
Marsh said businesses should use the current market conditions to reassess their insurance programmes amid risks from geopolitical uncertainty, cyber threats, supply chain disruptions and natural catastrophes. It also advised companies to consider the possibility of a change in the insurance cycle when reviewing their coverage.