TROY, Mich.--(BUSINESS WIRE)--Aug 19, 2025--
Amid rising premiums, customers of small commercial insurance agencies are more likely than they have been in years to defect to another insurer. According to the J.D. Power 2025 U.S. Small Commercial Insurance Study, SM released today, just 55% of customers say they “definitely will” renew with their current insurer, down 6 percentage points from a year ago.
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“As premiums have risen to cover the cost of claims, it stands to reason that more customers would be willing to shop their policies. Interestingly, however, the drop in retention is not solely attributable to higher premiums,” said Stephen Crewdson, managing director of global insurance intelligence at J.D. Power. “In fact, insurers that communicate well and provide a higher level of service can make huge inroads toward keeping customers. Remarkably, satisfaction is at an identical level among customers who understand why their premium is increasing as among those whose premiums are not increasing at all, which puts a huge onus on insurers to bolster their outreach around rate increases.”
Following are some key findings of the 2025 study:
Study Ranking
Erie Insurance ranks highest in overall customer satisfaction with a score of 723. Cincinnati Insurance (714) and Philadelphia Insurance (714) each rank second in a tie.
The U.S. Small Commercial Insurance Study, now in its 13th year, examines overall customer satisfaction among small commercial insurance customers with 50 or fewer employees. Overall satisfaction is measured across seven core dimensions on a poor-to-perfect rating scale. Individual dimensions measured are (in order of importance): trust; price for coverage; product/coverage offerings; ease of doing business; people; problem resolution; and digital channels. The 2025 study is based on responses from 2,848 small commercial insurance customers and was fielded from March through May 2025.
For more information about the U.S. Small Commercial Insurance Study, visit https://www.jdpower.com/business/insurance/us-small-commercial-insurance-satisfaction-study.
To view the online press release, please visit http://www.jdpower.com/pr-id/2025092.
About J.D. Power
J.D. Power is a global leader in consumer insights, advisory services, and data and analytics. A pioneer in the use of big data, artificial intelligence (AI) and algorithmic modeling capabilities to understand consumer behavior, J.D. Power has been delivering incisive industry intelligence on customer interactions with brands and products for more than 55 years. The world's leading businesses across major industries rely on J.D. Power to guide their customer-facing strategies.
J.D. Power has offices in North America, Europe and Asia Pacific. To learn more about the company's business offerings, visit JDPower.com/business. The J.D. Power auto-shopping tool can be found at JDPower.com.
About J.D. Power and Advertising/Promotional Rules:www.jdpower.com/business/about-us/press-release-info
1 J.D. Power defines generational groups as Pre-Boomers (born before 1946); Boomers (1946-1964); Gen X (1965-1976); Gen Y (1977-1994); and Gen Z (1995-2006). Millennials (1982-1994) are a subset of Gen Y.
J.D. Power 2025 U.S. Small Commercial Insurance Study
AL HENAKIYAH, Saudi Arabia (AP) — Ricky Brabec deliberately gave up his motorbike lead over Luciano Benavides in the Dakar Rally while Nasser Al-Attiyah was happy to cruise through another day closer to his sixth car title on Thursday.
Al-Attiyah started 346-kilometer stage 11 between Bisha north to Al Henakiyah with a 12-minute overall lead and let it drop to less than nine minutes over new second-placed driver Nani Roma in a Ford.
Al-Attiyah was content to let Dacia teammate Sébastien Loeb catch up and pass him to have a teammate nearby for any help and to minimize errors on the mazy, dirt track. Al-Attiyah was 17th, nearly 13 minutes behind stage winner Mattias Ekström, and said he needed to execute the same plan on Friday's last effective racing stage before the end on Saturday.
“If we lose two, three, four minutes no problem,” Al-Attiyah said. “We just need to finish this Dakar in first place.”
Honda cooked up a strategy in the Saudi desert for Adrien van Beveren to open the way and let Brabec catch up after the 190-kilometer pit stop and pick up time bonuses.
Brabec boosted his overall lead from 56 seconds to nearly four minutes just 25 kilometers from the finish. He was also within a minute of the stage lead but he slowed down so KTM rival Benavides was the new overall leader, but only by 23 seconds.
Brabec got his his wish to start Friday's stage 12 six minutes behind Benavides, so he can eye him. They head west to the rally starting point of Yanbu on the Red Sea coast on 311 kilometers of gravel, some river beds with a finish in the dunes.
“A little bit of strategy today and hopefully it pays off tomorrow,” Brabec said. "I feel like its going to be a good day. We’re going back into the rocks so it will be a little bit better for us.”
Brabec is counting on his experience of winning the Dakar in 2020 and 2024 to trump Benavides, who has a best placing of fourth last year.
“I've been in this situation before,” Brabec said. “For the whole two weeks I've been just trying to stay relax, stay comfortable and just be confident, so two days more. I'm gonna do the same thing tomorrow that I've been doing every day; ride dirt bikes and have fun.”
Van Beveren helped Brabec with navigation while fighting with another teammate, Skyler Howes, the entire day for the stage win.
Howes prevailed by 21 seconds for his first career major stage in his eighth Dakar. He was third in 2023 and sixth last year. He's running fifth, 34 minutes off the pace.
Benavides was fourth in the stage and believed the race will be decided on the final 105-kilometer sprint on Saturday.
“I played no strategy like Ricky. I don't care,” Benavides said. “I'm doing what I can to control what I can control.”
Ekström won his third car stage of this Dakar, a special so fast that 12 other drivers were within 10 minutes.
Ford achieved another 1-2-3 stage. Romain Dumas, a three-time winner of the Le Mans 24 Hours, was a career-best second just over a minute back and Carlos Sainz was third.
Only Toyota's Henk Lategan beat Ekström to a checkpoint but Lategan's podium hopes were wrecked after 140 kilometers when a bearing broke on his rear left wheel. Lategan was second last year and second overall overnight but he plunged out of the top 15, at least.
Loeb moved up to third overall, 10 minutes behind Roma and three minutes ahead of Ekström.
AP auto racing: https://apnews.com/hub/auto-racing
Rider Daniel Sanders competes during the eleventh stage of the Dakar Rally between Bisha and Al Henakiyah, Saudi Arabia, Thursday, Jan.15, 2026. (AP Photo/Thibault Camus)
Driver Nasser Al-Attiyah and co-driver Fabian Lurquin compete during the eleventh stage of the Dakar Rally between Bisha and Al Henakiyah, Saudi Arabia, Thursday, Jan.15, 2026. (AP Photo/Thibault Camus)
Rider Skyler Howes competes during the eleventh stage of the Dakar Rally between Bisha and Al Henakiyah, Saudi Arabia, Thursday, Jan.15, 2026. (AP Photo/Thibault Camus)
Driver Henk Lategan, left, and co-driver Brett Cummings repair their car during the eleventh stage of the Dakar Rally between Bisha and Al Henakiyah, Saudi Arabia, Thursday, Jan.15, 2026. (AP Photo/Thibault Camus)
Driver Nani Roma and co-driver Alex Haro compete during the eleventh stage of the Dakar Rally between Bisha and Al Henakiyah, Saudi Arabia, Thursday, Jan.15, 2026. (AP Photo/Thibault Camus)
