It's worth noting that at least a lot of the (non-health) insurance rises are driven by the reinsurance market responding to ever higher dollar amounts of claims annually due to disasters.
This underestimates the SUI premium hikes following the COVID layoffs. Most states charge businesses a risk premium when employees are terminated, and given that most states UI and Workers Compensation funds are now insolvent [0] they fight tooth and nail to increase premiums.
[0] - https://oui.doleta.gov/unemploy/docs/trustFundSolvReport2025...