The commercial property insurance market is navigating a constantly evolving landscape in 2025, in which rising costs, labor shortages and the ever-present threat of business interruption are reshaping how claims are managed.
In response, many insurers and risk managers are moving away from ad hoc contractor relationships and toward managed repair models that emphasize trusted networks, transparent pricing and proactive project oversight.
Commercial claims are an intricate puzzle, and the pressures of today’s market only magnify their complexity.
Ed Reis 
Sarah Morris
According to Verisk, U.S. commercial reconstruction costs climbed 5.7% year over year through