Why did my commercial insurance premium jump so much this year, and what are my options for switching to a cheaper provider without a lapse in coverage?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why did my commercial insurance premium jump so much this year, and what are my options for switching to a cheaper provider without a lapse in coverage?
2 real searches · 1 real-search pass
2026 commercial insurance premium increases causes small business market trends commercial property casualty insurance ratesGoogle ↗
OBSERVEDConsequence
New York commercial insurance switching policies avoid lapse cancellation effective date broker certificate of insurance guidanceGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 commercial insurance premium increases causes small business market trends commercial property casualty insurance rates Google ↗
New York commercial insurance switching policies avoid lapse cancellation effective date broker certificate of insurance guidance Google ↗
- CIAB Survey: Overall Soft Market Conditions Continue in Q2 · amp.insurancejournal.com
- Q2 2026 P&C Market Survey | Resources | CIAB · ciab.com
- NYS Open Legislation · nysenate.gov
- OGC Opinion No. 08-05-13: Certificates of Insurance · dfs.ny.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 commercial insurance premium increases causes small business market trends commercial property casualty insurance rates OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
New York commercial insurance switching policies avoid lapse cancellation effective date broker certificate of insurance guidance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |