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2019 was a bad year for trucking company closures — and the affordability of insurance is partly to blame.

MarketScout reports 2019's fourth-quarter numbers for U.S. commercial and personal lines insurance rates.

Given the upward trend in costs over the last 20 years, why have we seen a decrease in rates the last few years?

Moody's outlook is stable due to support by ample capital, advances in technology and effective risk management.

Securitization of catastrophe risks has introduced an new dynamic, prompting insurers, reinsurers and brokers to compete.

Favorable trends are expected to continue in the P&C insurance underwriting cycle but unlikely to result in a hard market, says Fitch Ratings.

The 5.4% proposed reduction in 2020 rates is based on claims-experience data as of year-end 2018.

Fitch also maintains a stable rating outlook for the commercial, personal and reinsurance sectors.