Rates for D&O, property and general liability insurance premiums all decreased at a slower pace than in recent quarters, although insurance premiums for businesses continued a 5-year trend of falling rates during the fourth quarter of 2008, according to the most recent RIMS Benchmark Survey

D&O continued to show two trends: an increase for financial institutions buying insurance, and falling average premiums for commercial business in other sectors. D&O rates fell 1.2 percent in the fourth quarter, down from 2.1 percent in the third quarter. Excluding financial institution buyers of insurance, the fall in premiums was 4.5 percent in the fourth quarter, as compared with 7.5 percent in the third quarter.