Zurich Resilience Solutions (ZRS) is committed to providing experience and insights to help customers and producers better understand and prepare for the evolving risks they face over time. This issue of ZRS’s Replacement Value Cost Trends provides the results of the most recent real and personal property inflation survey conducted for Zurich. The cost trends are published to assist in maintaining proper levels of insurable replacement costs for commercial and industrial properties. Please consult insurance advisors for specific information regarding your situation. The cost trends are issued annually but may be issued at mid-year if market conditions warrant.