{"id":1015330,"date":"2026-10-29T13:15:47","date_gmt":"2026-10-29T17:15:47","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/"},"modified":"2026-10-29T13:15:47","modified_gmt":"2026-10-29T17:15:47","slug":"the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/","title":{"rendered":"The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwlistdisc { list-style-type: disc }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm<\/b><\/p>\n<p class=\"bwalignc\"><i>Resilient, well-documented accounts continue to convert savings into broader coverage <\/i><i>as insurers stay disciplined on CAT exposure and valuations<\/i><\/p>\n<p>TAMPA, Fla.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nThe Baldwin Group (NASDAQ: BWIN), a leading independent insurance distribution and solutions firm, today released its Q3 2026 Market Pulse report, which analyzes commercial insurance pricing trends across its collective book of business as of September 30, 2026. The report shows commercial property pricing held steady for the sixth consecutive quarter of decreases, while casualty lines continued to move in different directions, underscoring the need for line-by-line renewal strategies.<\/p>\n<p>\n\u201cProperty is no longer getting softer faster, but it is still delivering real opportunity for buyers who come to renewal with current valuations and strong loss control documentation,\u201d said Leslie Nylund, National Managing Director of Broking and Insurance Company Partnerships at The Baldwin Group. \u201cThe mistake would be to apply that same optimism to casualty, where the drivers of loss severity have not changed and excess pricing is holding firm. Our clients benefit most when we look at each line on its own terms.\u201d<\/p>\n<p><b>Key Findings<\/b><\/p>\n<ul class=\"bwlistdisc\">\n<li><b>Property: <\/b>Commercial property pricing declined 8.0% in Q3 2026, essentially level with Q2&#8217;s 8.1% decline. It is the sixth consecutive quarter of decreases and the first in which the decline did not deepen.\n<\/li>\n<li><b>Commercial auto: <\/b>Pricing increased 2.9%, moderating for a third consecutive quarter from 4.5% in Q2 and 5.7% in Q1. It is the lowest quarterly reading since the index began in Q3 2021.\n<\/li>\n<li><b>General liability: <\/b>Pricing increased 3.5%, down from 4.5% in Q2 and 6.1% in Q1, the third consecutive pullback since Q4 2025&#8217;s peak of 9.3%.\n<\/li>\n<li><b>Umbrella: <\/b>Pricing increased 5.6%, up from 5.0% in Q2 but well below Q1&#8217;s 8.2%, as excess pricing holds firm while primary lines ease.\n<\/li>\n<li><b>Workers&#8217; compensation: <\/b>Pricing declined 0.1%, effectively flat and improved from a 0.3% decline in Q2 and a 1.0% decline in Q1, suggesting favorable pricing has reached, or is very near, its floor.\n<\/li>\n<li><b>Management liability: <\/b>Private management liability pricing increased 3.1%, up from 0.9% in Q2, while public directors and officers pricing declined 1.8%, in line with Q2.\n<\/li>\n<li><b>Cyber: <\/b>Pricing increased 2.0%, up from 0.4% in Q2 and the highest reading since early 2023.\n<\/li>\n<\/ul>\n<p><b>Outlook: Opportunity in Property, Caution in Casualty<\/b><\/p>\n<p>\nContinued property softening is expected into Q4, with a late-season storm as the main variable. Organizations with well-documented, loss-free programs are positioned to keep restoring limits and broadening terms. Casualty is expected to remain a market of divergent outcomes. Clean, well-documented accounts may see competition build, while high-hazard and litigation-exposed risks should expect little relief. Meaningful tort reform impact on pricing is unlikely before 2027, and the January 1 casualty reinsurance renewals will be an important signal for where excess pricing goes next.<\/p>\n<p>\nNylund added, \u201cCasualty is on a fundamentally different trajectory than property. Social inflation, litigation funding, nuclear verdicts and emerging liabilities are making traditional underwriting assumptions less reliable. The result is a market defined by micro-segmentation, where coverage breadth, jurisdiction, industry exposure and loss history drive very different renewal outcomes.\u201d<\/p>\n<p>\nThe full Q3 2026 Market Pulse report can be accessed <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fbaldwin.com%2Fbusiness-insurance%2Fmarket-pulse-pricing-observations-and-trends%2F&amp;esheet=54630077&amp;newsitemid=20261029798766&amp;lan=en-US&amp;anchor=here&amp;index=1&amp;md5=7215da485e6a1872291bbda6115c24b0\">here<\/a>.<\/p>\n<p><b>About The Market Pulse Report<\/b><\/p>\n<p>\nThe Baldwin Group\u2019s <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fbaldwin.com%2Fbusiness-insurance%2Fmarket-pulse-pricing-observations-and-trends%2F&amp;esheet=54630077&amp;newsitemid=20261029798766&amp;lan=en-US&amp;anchor=Market+Pulse+Report&amp;index=2&amp;md5=2c2ff8fb9593047e21c1cbf6b6a65ad2\">Market Pulse Report<\/a> is a quarterly pricing trend analysis based on aggregated client data. It reflects the combined impact of rate changes, exposure shifts, and client purchasing decisions, such as limits and deductibles, providing directional trend insight rather than line-by-line rate guidance. It draws on proprietary data, broker insights, and insurance company partner feedback, offering a forward-looking view of the market dynamics shaping coverage availability, pricing, and risk appetite nationwide.<\/p>\n<p><b>About The Baldwin Group<\/b><\/p>\n<p>\nThe Baldwin Group, the brand name for The Baldwin Insurance Group, Inc. (NASDAQ: BWIN) (\u201cBaldwin\u201d) and its affiliates, is an independent insurance distribution firm providing indispensable expertise and insights that strive to give our clients the confidence to pursue their purpose, passion, and dreams. As a team of dedicated entrepreneurs and insurance professionals, we have come together to help protect the possible for our clients. We do this by delivering bespoke client solutions, services, and innovation through our comprehensive and tailored approach to risk management, insurance, and employee benefits. We support our clients, colleagues, insurance company partners, and communities through the deployment of vanguard resources and capital to drive our organic and inorganic growth. The Baldwin Group proudly represents more than three million clients across the United States and internationally. For more information, please visit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fbaldwin.com&amp;esheet=54630077&amp;newsitemid=20261029798766&amp;lan=en-US&amp;anchor=baldwin.com&amp;index=3&amp;md5=a50f20155b270a9c04bdb380bf0fccd8\">baldwin.com<\/a>.<\/p>\n<p><b>Cautionary Statement Regarding Forward-Looking Statements<\/b><\/p>\n<p>\nThis press release may contain various \u201cforward-looking statements\u201d within the meaning of the Private Securities Litigation Reform Act of 1995, which represent Baldwin\u2019s expectations or beliefs concerning future events. Forward-looking statements are statements other than historical facts and may include statements that address Baldwin\u2019s future operating, financial or business performance or Baldwin\u2019s strategies or expectations. In some cases, you can identify these statements by forward-looking words such as \u201cmay,\u201d \u201cmight,\u201d \u201cwill,\u201d \u201cshould,\u201d \u201cexpects,\u201d \u201cplans,\u201d \u201canticipates,\u201d \u201cbelieves,\u201d \u201cestimates,\u201d \u201cpredicts,\u201d \u201cprojects,\u201d \u201cpotential,\u201d \u201coutlook\u201d or \u201ccontinue,\u201d or the negative of these terms or other comparable terminology. Forward-looking statements are based on management\u2019s current expectations and beliefs and involve significant risks and uncertainties that could cause actual results, developments and business decisions to differ materially from those contemplated by these statements.<\/p>\n<p>\nFactors that could cause actual results or performance to differ from the expectations expressed or implied in such forward-looking statements include, but are not limited to, those described under the caption \u201cRisk Factors\u201d in Baldwin\u2019s Annual Report on Form 10-K for the year ended December 31, 2025 and in Baldwin\u2019s other filings with the U.S. Securities and Exchange Commission (the \u201cSEC\u201d), which are available free of charge on the SEC&#8217;s website at: <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.sec.gov&amp;esheet=54630077&amp;newsitemid=20261029798766&amp;lan=en-US&amp;anchor=www.sec.gov&amp;index=4&amp;md5=d6d841cc1724563f8083d0ef16b88d57\">www.sec.gov<\/a>, including those risks and other factors relevant to Baldwin\u2019s business, financial condition and results of operations. Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those indicated. All forward-looking statements and all subsequent written and oral forward-looking statements attributable to Baldwin or to persons acting on Baldwin\u2019s behalf are expressly qualified in their entirety by reference to these risks and uncertainties. You should not place undue reliance on forward-looking statements. Forward-looking statements speak only as of the date they are made, and Baldwin does not undertake any obligation to update them in light of new information, future developments or otherwise, except as may be required under applicable law.<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20261029798766r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20261029798766\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20261029798766\/en\/<\/a><\/span><\/p>\n<p><b>Media Contacts:<br \/>\n<\/b><br \/>Anna Rozenich, Senior Director, Enterprise Communications, The Baldwin Group<br \/>\n<br \/>630.561.5907 | <a rel=\"nofollow\" href=\"mailto:anna.rozenich@baldwin.com\">anna.rozenich@baldwin.com<\/a><\/p>\n<p>\nAllyson Marcus, Director, Communications, The Baldwin Group<br \/>\n<br \/>267.994.9052 | <a rel=\"nofollow\" href=\"mailto:allyson.marcus@cacgroup.com\">allyson.marcus@cacgroup.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> Florida United States North America<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Other Professional Services Professional Services Insurance Finance<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20261029798766\/en\/2254286\/3\/The_Baldwin_Group_std_logo_full_color.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm Resilient, well-documented accounts continue to convert savings into broader coverage as insurers stay disciplined on CAT exposure and valuations TAMPA, Fla.&#8211;(BUSINESS WIRE)&#8211; The Baldwin Group (NASDAQ: BWIN), a leading independent insurance distribution and solutions firm, today released its Q3 2026 Market Pulse report, which analyzes commercial insurance pricing trends across its collective book of business as of September 30, 2026. The report shows commercial property pricing held steady for the sixth consecutive quarter of decreases, while casualty lines continued to move in different directions, underscoring the need for line-by-line renewal strategies. \u201cProperty is no longer getting softer faster, but it &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1015330","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm Resilient, well-documented accounts continue to convert savings into broader coverage as insurers stay disciplined on CAT exposure and valuations TAMPA, Fla.&#8211;(BUSINESS WIRE)&#8211; The Baldwin Group (NASDAQ: BWIN), a leading independent insurance distribution and solutions firm, today released its Q3 2026 Market Pulse report, which analyzes commercial insurance pricing trends across its collective book of business as of September 30, 2026. The report shows commercial property pricing held steady for the sixth consecutive quarter of decreases, while casualty lines continued to move in different directions, underscoring the need for line-by-line renewal strategies. \u201cProperty is no longer getting softer faster, but it &hellip; Continue reading &quot;The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-29T17:15:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20261029798766r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm\",\"datePublished\":\"2026-10-29T17:15:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\\\/\"},\"wordCount\":1137,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20261029798766r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\\\/\",\"name\":\"The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm - 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Market Newsdesk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/","og_locale":"en_US","og_type":"article","og_title":"The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm - Market Newsdesk","og_description":"The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm Resilient, well-documented accounts continue to convert savings into broader coverage as insurers stay disciplined on CAT exposure and valuations TAMPA, Fla.&#8211;(BUSINESS WIRE)&#8211; The Baldwin Group (NASDAQ: BWIN), a leading independent insurance distribution and solutions firm, today released its Q3 2026 Market Pulse report, which analyzes commercial insurance pricing trends across its collective book of business as of September 30, 2026. The report shows commercial property pricing held steady for the sixth consecutive quarter of decreases, while casualty lines continued to move in different directions, underscoring the need for line-by-line renewal strategies. \u201cProperty is no longer getting softer faster, but it &hellip; Continue reading \"The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/","og_site_name":"Market Newsdesk","article_published_time":"2026-10-29T17:15:47+00:00","og_image":[{"url":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20261029798766r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm","datePublished":"2026-10-29T17:15:47+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/"},"wordCount":1137,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/#primaryimage"},"thumbnailUrl":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20261029798766r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/the-baldwin-group-q3-2026-market-pulse-property-softening-levels-off-as-casualty-lines-diverge-and-excess-pricing-holds-firm\/","name":"The Baldwin Group Q3 2026 Market Pulse: Property Softening Levels Off as Casualty Lines Diverge and Excess Pricing Holds Firm - 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