Only a catastrophe that causes more than $50 billion in damages could move the needle on the current commercial insurance market. Published on January 19, 2015 in Commercial property to remain stable barring $50 billion catastropheFull resolution (500 × 281) Only a catastrophe that causes more than $50 billion in damages could move the needle on the current commercial insurance market. Only a catastrophe that causes more than $50 billion in damages could move the needle on the current commercial insurance market.