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The numbers are hard to ignore. Australian commercial insurance rates dropped sharply in Q4 2025, with Marsh reporting a 12% fall in Pacific commercial cover – the steepest decline since rate reductions began in early 2024. Further softening is expected across many commercial lines through 2026, driven by strong capacity and competition among carriers. For

ASIC has published its 2026 enforcement priorities, and if you’re an authorised representative, there are a few items on that list that deserve more than a quick scan. This isn’t about theoretical regulatory risk. These priorities describe where ASIC is actively looking – and some of those areas sit squarely in the day-to-day work of