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市場調査レポート
小規模事業者メトリクス：ドイツの小規模事業者・自営業者向け保険市場
Small Business Metrics: Insurance for Small Businesses and Self-Employed Individuals in Germany
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Abstract
Finaccord' s report titled Small Business Metrics: Insurance for Small
Businesses and Self-Employed Individuals in Germany is based on an online
survey of 1,577 small business owners and self-employed individuals carried
out by mo' web research during April and May 2009. The study provides fresh and
detailed insights into the market for providing a range of business insurance
services to the 3.13 million registered small and medium-sized businesses with
fewer than 250 employees in Germany in addition to a further significant
number of self-employed individuals. In addition to providing a comprehensive
analysis of the results across all respondents, the publication also breaks
out the findings for key trade categories in the small business market,
namely: building and construction; child or pet care; education or training;
healthcare or related services; hotels, restaurants, cafes and pubs; I.T.
services; logistics, motor trades or transportation; manufacturing; media,
marketing or entertainment; professional or financial services; property
management or rental; retailing or high street services; and other consumer or
business services. Furthermore, the research also provides clear answers to
key issues in the market for insurance for small businesses including their
propensity to strike up relationships with more than one insurance provider
and the degree to which small businesses in some categories are more likely to
make claims than those in others. You may be able to use this report in one or
more of the following ways: gain detailed insights into how the requirements
and behaviour of small businesses vary in accordance with key categories of
business customer; appreciate the penetration rates among small businesses
across the spectrum of commercial insurance policies and gauge the potential
for marketing niche cover such as business loan / overdraft protection
insurance and e-commerce insurance; assess the degree to which distribution
channels such as direct sales by the underwriter, insurance brokers and banks,
are eroding the position of traditional insurance agents; understand the
extent to which small businesses say that they may consider using the websites
of online aggregators the next time they need to search for or acquire
insurance; comprehend the true potential for establishing partnerships with
commercial affinity groups for the distribution of business insurance policies.
Table of Contents
0.0 EXECUTIVE SUMMARY
- Over 70% of small businesses have taken out at least some form of business
insurance
- Employers' liability insurance is the type of cover most likely to be
acquired by small businesses
- Latent demand is highest for loss of rental income insurance and key man
insurance
- All kinds of business insurance are relevant in most sectors
- Almost one third of small businesses acquire insurance for their business
with total autonomy
- and they also show a tendency to opt most frequently for cover that they
consider completely flexible
- Over two thirds of small businesses with insurance pay premiums in excess
of € 1,000 each year Almost three quarters of small businesses with
insurance work with more than one insurance provider...
- ... which serves to further splinter a market that is relatively fragmented
- A clear majority of sales of insurance to small businesses occur in a
face-to-face environment
- ... although there is significant apparent potential for online
aggregators to exert an influence in this sector
- Almost a half of small businesses have taken out their main package during
the last three years
- The availability of lower premiums is the most common cue for switching
insurance provider
- Membership of professional and trade associations is much higher than for
franchise organisations
- A substantial number of association or franchise members contract business
insurance through these channels
- Among major providers of insurance, Provinzial attains the highest
customer satisfaction ratings
1.0 INTRODUCTION
- Research rationale
- There are around 6 million enterprises with fewer than 250 employees in
Germany
- Using conventional techniques, the small business audience is tough to
research
- ... although the Internet methodology helps to circumvent many of the
usual problems
- The market for small business financial services is subject to rapid change
- Research sample
- Finaccord
- The Small Business Metrics reports
- Consumer research publications on Germany
- Affinity and partnership marketing publications on Germany
- mo' web
2.0 INSURANCE OVERVIEW
- Introduction
- Holdings of any form of business insurance
- Building and construction companies are most likely to be covered by
business insurance
- Small businesses without any insurance cover
- More than half of uninsured small businesses believe that they have no
need for insurance
- Reasons of uninsured businesses for not holding any business insurance
- The majority of uninsured small businesses believes that they are not
exposed to high risks
- Holdings of specific forms of business insurance
- Employers' liability insurance is the most widely held form of cover among
small businesses
- The disparity between actual and desired cover is highest for loss of
rental income insurance
- Specific business insurance products
- Holdings of forms of business insurance vary dramatically by type of
enterprise
- Evaluation and purchasing methods for business insurance
- More than half of small businesses evaluate and purchase cover with at
least some outside help Expenditure on business insurance during last 12 months
- Over 30% of small businesses holding insurance pay less than € 1,000
in annual premiums
- Flexibility of main business insurance package
- Cover acquired by small businesses is normally characterised by complete
flexibility
- Number of business insurance providers used
- Almost three quarters of small businesses with cover use more than one
insurance provider
- Providers used for main business insurance package
- Allianz is comfortably the market leader among providers of the main
insurance package
- although the overall supply structure remains fairly fragmented
- Providers used for other business insurance policies
- Allianz is not quite as dominant in the area of secondary insurance
products
- Distribution interface used for main business insurance package
- Most insurance bought by small business owners is acquired in a
face-to-face environment
- although certain categories of small business show a high propensity to
use remote channels
- Distribution channel used for main business insurance package
- For small businesses and self-employed individuals, agents are still the
main distribution channel Respondents in the professional and financial
services category are most likely to use a broker
- Broker used (where relevant) for main business insurance package
- No broker emerges as a clear market leader in the provison of the main
insurance package
- Bank used (where relevant) for main business insurance package
- On a collective basis, the Sparkassen are the most effective commercial
lines bancassurers
- Interest in using online aggregators for business insurance
- Well over half of small businesses appear open to the idea of using an
online aggregator
- Length of tenure of main business insurance package
- Almost a half of business insurance packages have been bought anew in the
last three years
- Use of main business insurance provider for personal needs
- Some respondents also use the provider of their business insurance for
personal insurance
- Frequency of contact with main business insurance provider
- Most small businesses have one or two contacts per year with the main
insurance provider
- Period of time since last business insurance claim made
- Self-employed individuals are far less likely to make claims than
businesses with employees
- Value of last business insurance claim made
- Most business insurance claims made have a value of below € 2,000
- Likelihood of changing main business insurance package
- Only a very small minority of the sample are definitely minded to change
their insurance provider
- Actual change of main business insurance package
- The market for small business insurance is characterised by a relatively
high switching rate
- although propensity to switch varies considerably by distribution
interface and channel used
- The availability of lower premiums are most likely to prompt a change of
insurance provider
- Satisfaction with services offered by main business insurance provider
- The majority of small businesses are broadly satisfied with the cost of
their insurance...
- ... although around 10% express concern with most other aspects of their
main insurer' s service Membership of professional or trade associations
- Professional and financial services businesses are most likely to belong
to an association
- Membership of franchise organisations
- Over 8% of small businesses responding to the survey belong to a franchise
organisation
- Usage of commercial affinity groups to contract business insurance
- Commercial affinity groups are quite commonly used as a source of business
insurance
- although penetration rates vary considerably by category of small business
3.0 INSURER PERFORMANCE
- Introduction
- The satisfaction of small businesses using each of the leading providers
can be measured
- both in overall terms and for ten key aspects of business insurance service
- The results for insurer performance are as robust as any that have
hitherto been published
- Accessibility of business insurance provider
- Breadth and quality of business insurance products offered
- Breadth and quality of extra services offered
- Ease of contact with business insurance provider
- Frequency of contact with business insurance provider
- Personal contact with a named business insurance adviser
- Efficiency of business insurance provider at the point of sale
- Efficiency of business insurance provider on an on-going basis
- Fairness of claims management (if used)
- Premiums charged for the main business insurance package
- Likelihood of changing main business insurance package
- Does the reported satisfaction of small businesses appear to influence
their tendency to switch?
- Individual insurer performance
- AachenMunchener
- Allianz
- Alte Leipziger
- ARAG
- AXA (including DBV)
- D.A.S.
- Generali (including Volksfursorge)
- Gothaer
- Hamburg-Mannheimer
- HDI-Gerling
- HUK Coburg
- LVM
- Provinzial
- R+V
- Signal Iduna
- SV SparkassenVersicherung
- Victoria
- Wurttembergische
- Zurich
- Other providers
4.0 BUSINESSES WITH MALE OWNERS
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
5.0 BUSINESSES WITH FEMALE OWNERS
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
6.0 BUILDING AND CONSTRUCTION
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
7.0 CHILD OR PET CARE
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
8.0 EDUCATION OR TRAINING
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
9.0 HEALTHCARE OR RELATED SERVICES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
10.0 HOTELS, RESTAURANTS, CAFES AND PUBS
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
11.0 I.T. SERVICES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
12.0 LOGISTICS, MOTOR TRADES OR TRANSPORTATION
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
13.0 MANUFACTURING
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
14.0 MEDIA, MARKETING OR ENTERTAINMENT
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
15.0 PROFESSIONAL OR FINANCIAL SERVICES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
16.0 PROPERTY MANAGEMENT OR RENTAL
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
17.0 RETAILING OR OTHER HIGH STREET SERVICES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
18.0 OTHER CONSUMER OR BUSINESS SERVICES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
19.0 HOME-BASED BUSINESSES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
20.0 RECENTLY-ESTABLISHED BUSINESSES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
21.0 SELF-EMPLOYED INDIVIDUALS
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
22.0 HIGH CASH / CHEQUE BUSINESSES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
23.0 BUSINESSES WITH INTERNATIONAL REVENUES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
24.0 BUSINESSES WITH ONLINE REVENUES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
25.0 APPENDIX
GRAPHICS / TABLES
- Sample of small businesse broken down by annual turnover, number of
employees and business sector
- Sample of small businesses broken down by geography, location of business
and longevity of business
- Sample of small businesses broken down by magnitude of cash / cheque
receipts, magnitude of international revenues and magnitude of online revenues
- Holdings by small businesses of any form of business insurance, 2009
- Holdings by small businesses of any form of business insurance, 2008 (data)
- Uninsured small businesses believing that they require no form of business
insurance whatsoever, 2009
- Uninsured small businesses believing that they require no form of business
insurance whatsoever, 2009 (data)
- Reasons of uninsured businesses for not holding any business insurance,
2009
- Holdings by small businesses of specific forms of business insurance, 2009
- Holdings by small businesses of specific forms of business insurance
(among those with at least some form of business insurance), 2009
- Forms of business insurance ideally held by small businesses, 2009
- Variation between actual and ideal holdings of forms of business insurance
by small businesses, 2009
- Holdings by small businesses of agricultural / crop / livestock insurance,
2009
- Holdings by small businesses of agricultural / crop / livestock insurance,
2009 (data)
- Holdings by small businesses of business assets / equipment insurance, 2009
- Holdings by small businesses of business assets / equipment insurance,
2009 (data)
- Holdings by small businesses of business car insurance, 2009
- Holdings by small businesses of business car insurance, 2009 (data)
- Holdings by small businesses of business interruption insurance, 2009
- Holdings by small businesses of business interruption insurance, 2009
(data)
- Holdings by small businesses of business loan or overdraft protection
insurance, 2009
- Holdings by small businesses of business loan or overdraft protection
insurance, 2009 (data)
- Holdings by small businesses of business property / premises insurance,
2009
- Holdings by small businesses of business property / premises insurance,
2009 (data)
- Holdings by small businesses of business travel insurance, 2009
- Holdings by small businesses of business travel insurance, 2009 (data)
- Holdings by small businesses of business van insurance, 2009
- Holdings by small businesses of business van insurance, 2009 (data)
- Holdings by small businesses of cargo or goods-in-transit insurance, 2009
- Holdings by small businesses of cargo or goods-in-transit insurance, 2009
(data)
- Holdings by small businesses of commercial vehicle insurance (excluding
business cars and vans) insurance, 2009
- Holdings by small businesses of commercial vehicle insurance (excluding
business cars and vans), 2009 (data)
- Holdings by small businesses of computer / software insurance, 2009
- Holdings by small businesses of computer / software insurance, 2009 (data)
- Holdings by small businesses of e-commerce insurance, 2009
- Holdings by small businesses of e-commerce insurance, 2009 (data)
- Holdings by small businesses of employee theft insurance, 2009
- Holdings by small businesses of employee theft insurance, 2009 (data)
- Holdings by small businesses of employers' liability insurance, 2009
- Holdings by small businesses of employers' liability insurance, 2009 (data)
- Holdings by small businesses of engineering / machinery insurance, 2009
- Holdings by small businesses of engineering / machinery insurance, 2009
(data)
- Holdings by small businesses of key man insurance, 2009
- Holdings by small businesses of key man insurance, 2009 (data)
- Holdings by small businesses of legal expenses insurance, 2009
- Holdings by small businesses of legal expenses insurance, 2009 (data)
- Holdings by small businesses of loss of rental income insurance, 2009
- Holdings by small businesses of loss of rental income insurance, 2009
(data)
- Holdings by small businesses of pecuniary loss liability insurance, 2009
- Holdings by small businesses of pecuniary loss liability insurance, 2009
(data)
- Holdings by small businesses of personal accident insurance for employees,
2009
- Holdings by small businesses of personal accident insurance for employees,
2009 (data)
- Holdings by small businesses of private health insurance for employees,
2009
- Holdings by small businesses of private health insurance for employees,
2009 (data)
- Holdings by small businesses of professional indemnity insurance, 2009
- Holdings by small businesses of professional indemnity insurance, 2009
(data)
- Holdings by small businesses of public / product liability insurance, 2009
- Holdings by small businesses of public / product liability insurance, 2009
(data)
- Holdings by small businesses of residential landlords' property insurance,
2009
- Holdings by small businesses of residential landlords' property insurance,
2009 (data)
- Holdings by small businesses of trade credit insurance, 2009
- Holdings by small businesses of trade credit insurance, 2009 (data)
- Evaluation and purchasing methods used by small businesses for business
insurance, 2009
- Expenditure by small businesses for business insurance during the last 12
months, 2009
- Flexibility of main business insurance package used by small businesses,
2009
- Number of business insurance providers used by small businesses, 2009
- Number of business insurance providers used by small businesses, 2009
(data)
- Providers used for main business insurance package bought by small
businesses, 2009
- Providers used for all other business insurance policies bought by small
businesses, 2009
- Distribution interface used for main business insurance package bought by
small businesses, 2009
- Distribution interface used for main business insurance package bought by
small businesses, 2009 (data)
- Distribution channel used for main business insurance package bought by
small businesses, 2009
- Distribution channel used for main business insurance package bought by
small businesses, 2009 (data)
- Broker used for main business insurance package bought by small businesses
using a broker, 2009
- Bank used for main business insurance package bought by small businesses
using a bank, 2009
- Interest in using online aggregators to search for or buy business
insurance, 2009
- Length of tenure of main business insurance package held by small
businesses, 2009
- Use of main business insurance provider for personal needs, 2009
- Frequency of contact with main business insurance provider for reasons
other than claims, 2009
- Period of time since last business insurance claim made, 2009 (overview)
- Period of time since last business insurance claim made, 2009 (detailed
analysis by category of small business)
- Period of time since last business insurance claim made, 2009 (detailed
analysis by category of small business) (data)
- Value of last business insurance claim made, 2009
- Likelihood of small businesses changing main business insurance package
during next 12 months, 2009
- Likelihood of small businesses changing main business insurance package
during next 12 mon., 2009 (data)
- Actual changes by small businesses of their main business insurance
package during last 12 months, 2009
- Actual changes by small businesses of their main business insurance
package during last 12 months, 2009 (data)
- Actual changes by small businesses of their main business insurance
package during last 12 months, 2009: segmentation by distribution interface
and channel used
- Actual changes by small businesses of their main business insurance
package during last 12 months, 2009: segmentation by distribution interface
and channel used (data)
- Factors prompting a change by small businesses of their main business
insurance package,2009
- Satisfaction of small businesses with services offered by provider of main
business insurance package, 2009
- Satisfaction of small businesses with services offered by provider of main
business insurance package, 2009 (data)
- Percentage of small businesses belonging to a professional or trade
association, 2009
- Percentage of small businesses belonging to a prof. or trade association,
2009 (data)
- Percentage of small businesses belonging to a franchise organisation, 2009
- Percentage of small businesses belonging to a franchise organisation, 2009
(data)
- Usage of commercial affinity groups to contract business insurance
services by small businesses belonging to a professional / trade association
or franchise, 2009
- Usage of commercial affinity groups to contract business insurance
services by small businesses belonging to a professional / trade association
or franchise, 2009 (data)
- Accessibility of business insurance provider: small business evaluation of
leading providers, 2009
- Breadth and quality of business insurance products: small business
evaluation of leading providers, 2009
- Breadth and quality of extra services offered: small business evaluation
of lead. providers, 2009 Ease of contact with business insurance provider:
small business evaluation of leading providers, 2009
- Frequency of contact with business insurance provider: small business
evaluation of leading providers, 2009
- Personal contact with named business insurance adviser: small business
evaluation of leading providers, 2009
- Efficiency of business insurance provider at the point of sale: small
business evaluation of leading providers, 2009
- Efficiency of business insurance provider on an on-going basis: small
business evaluation of leading providers, 2009
- Fairness of claims management (if used): small business evaluation of
leading providers, 2009
- Premiums charged for main business insurance package: small business
evaluation of leading providers, 2009
- Likelihood of small businesses changing main business insurance package
during next 12 months: small business evaluation of leading providers, 2009
- Relationship between overall evaluation of leading providers and
likelihood of small businesses change their main business insurance package
during next 12 months, 2009
- Overview of performance of AachenMunchener according to small business
customers, 2009
- Overview of performance of Allianz according to small business customers,
2009
- Overview of performance of Alte Leipziger according to small business
customers, 2009
- Overview of performance of ARAG according to small business customers, 2009
- Overview of performance of AXA (including DBV) according to small business
customers, 2009
- Overview of performance of D.A.S. according to small business customers,
2009
- Overview of performance of Generali (including Volksfursorge) according to
small business customers, 2009
- Overview of performance of Gothaer according to small business customers,
2009
- Overview of performance of Hamburg-Mannheimer according to small business
customers, 2009
- Overview of performance of HDI-Gerling according to small business
customers, 2009
- Overview of performance of HUK Coburg according to small business
customers, 2009
- Overview of performance of LVM according to small business customers, 2009
- Overview of performance of Provinzial according to small business
customers, 2009
- Overview of performance of R+V according to small business customers, 2009
- Overview of performance of Signal Iduna according to small business
customers, 2009
- Overview of performance of SV SparkassenVersicherung according to small
business customers, 2009
- Overview of performance of Victoria according to small business customers,
2009
- Overview of performance of Wurttembergische according to small business
customers, 2009
- Overview of performance of Zurich according to small business customers,
2009
- Overview of performance of other providers according to small business
customers, 2009
- Holdings of businesses with male owners for any form of business
insurance, 2009
- Number of relationships for business insurance held by businesses with
male owners, 2009
- Providers from which main business insurance packages and secondary
insurance products of businesses with male owners are acquired, 2009
- Percentage of businesses with male owners belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
businesses with male owners belonging to a commercial affinity group, 2009
- Holdings of businesses with female owners for any form of business
insurance, 2009
- Holdings by small businesses with female owners of specific forms of
business insurance, 2009
- Number of relationships for business insurance held by businesses with
female owners, 2009
- Providers from which main business insurance packages and secondary
insurance products of businesses with female owners are acquired, 2009
- Percentage of businesses with female owners belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
businesses with female owners belonging to a commercial affinity group, 2009
- Requirement of building and construction businesses of any form of
business insurance, 2009
- Holdings by building and construction businesses of specific forms of
business insurance, 2009
- Number of relationships for business insurance held by building and
construction businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of building and construction businesses are acquired, 2009
- Percentage of building and construction businesses belonging to a comm.
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
building and construction businesses belonging to a commercial affinity group,
2009
- Requirement of child or pet care businesses of any form of business
insurance, 2009
- Holdings by child or pet care businesses of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by child or pet care
businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of child or pet care businesses are acquired, 2009
- Percentage of child or pet care businesses belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by child
or pet care businesses belonging to a commercial affinity group, 2009
- Holdings of education or training businesses of any form of business
insurance, 2009
- Holdings by education or training businesses of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by education or
training businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of education or training businesses are acquired, 2009
- Percentage of education or training businesses belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
education or training businesses belonging to a commercial affinity group, 2009
- Holdings of healthcare or related services businesses for any form of
business banking service, 2009
- Holdings by healthcare or related services businesses of specific forms of
business insurance, 2009
- Number of relationships for business insurance held by healthcare or
related services businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of healthcare or related services businesses are acquired,
2009
- Percentage of healthcare or related services businesses belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
healthcare or related services businesses belonging to a commercial affinity
group, 2009
- Holdings of hotel, restaurant, cafe and pub businesses of any form of
business insurance, 2009
- Holdings by hotel, restaurant, cafe and pub businesses of specific forms
of business insurance, 2009
- Number of relationships for business insurance held by hotel, restaurant,
cafe and pub businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of hotel, restaurant, cafe and pub businesses are acquired,
2009
- Percentage of hotel, restaurant, cafe and pub businesses belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
hotel, restaurant, cafe and pub businesses belonging to a commercial affinity
group, 2009
- Requirement of I.T. services businesses of any form of business insurance,
2009
- Holdings by I.T. services businesses of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by I.T. services
businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of I. services businesses are acquired, 2009
- Percentage of I.T. services businesses belonging to a commercial affinity
group, 2009
- Usage of commercial affinity groups to acquire business insurance by I.T.
services businesses belonging to a commercial affinity group, 2009
- Holdings of logistics, motor trades or transportation businesses of any
form of business insurance, 2009
- Holdings by logistics, motor trades or transportation businesses of
specific forms of business insurance, 2009
- Number of relationships for business insurance held by logistics, motor
trades or transportation businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of logistics, motor trades or transportation businesses are
acquired, 2009
- Percentage of logistics, motor trades or transportation businesses
belonging to a commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
logistics, motor trades or transportation businesses belonging to a commercial
affinity group, 2009
- Holdings of manufacturing businesses of any form of business insurance,
2009
- Holdings by manufacturing businesses of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by manufacturing
businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of manufacturing businesses are acquired, 2009
- Percentage of manufacturing businesses belonging to a commercial affinity
group, 2009
- Usage of commercial affinity groups to acquire business insurance by
manufacturing businesses belonging to a commercial affinity group, 2009
- Holdings of media, marketing or entertainment businesses of any form of
business insurance, 2009
- Holdings by media, marketing or entertainment businesses of specific forms
of business insurance, 2009
- Number of relationships for business insurance held by media, marketing or
entertainment businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of media, marketing or entertainment businesses are
acquired, 2009
- Percentage of media, marketing or entertainment businesses belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
media, marketing and entertainment businesses belonging to a commercial
affinity group, 2009
- Requirement of professional or financial services businesses of any form
of business insurance, 2009
- Holdings by professional or financial services businesses of specific
forms of business insurance, 2009
- Number of relationships for business insurance held by professional or
financial services businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of professional or financial services businesses are
acquired, 2009
- Percentage of professional or financial services businesses belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
professional or financial services businesses belonging to a commercial
affinity group, 2009
- Holdings of property management or rental businesses of any form of
business insurance, 2009 Holdings by property management or rental businesses
of specific forms of business insurance, 2009
- Number of relationships for business insurance held by property management
or rental businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of property management or rental businesses are acquired,
2009
- Percentage of property management or rental businesses belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
property or rental management businesses belonging to a commercial affinity
group, 2009
- Requirement of retailing or other high street services businesses of any
form of business insurance, 2009
- Holdings by retailing or other high street services businesses of specific
forms of business insurance, 2009
- Number of relationships for business insurance held by retailing or other
high street services businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of retailing or other high street services businesses are
acquired, 2009
- Percentage of retailing or other high street services businesses belonging
to a commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
retailing or other high street services businesses belonging to a commercial
affinity group, 2009
- Requirement of other consumer or business services businesses of any form
of business insurance, 2009
- Holdings by other consumer or business service businesses of specific
forms of business insurance, 2009
- Number of relationships for business insurance held by other consumer or
business services businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of other consumer or business service businesses are
acquired, 2009
- Percentage of other consumer or business services businesses belonging to
a commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by other
consumer or business services businesses belonging to a commercial affinity
group, 2009
- Holdings of home-based businesses of any form of business insurance, 2009
- Holdings by home-based businesses of specific forms of business insurance,
2009
- Number of relationships for business insurance held by home-based
businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of home-based businesses are acquired, 2009
- Percentage of home-based businesses belonging to a commercial affinity
group, 2009
- Usage of commercial affinity groups to acquire business insurance by
home-based businesses belonging to a commercial affinity group, 2009
- Requirement of recently-established businesses of any form of business
insurance, 2009
- Holdings by recently-established businesses of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by
recently-established businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of recently-established businesses are acquired, 2009
- Percentage of recently-established businesses belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
recently-established businesses belonging to a commercial affinity group, 2009
- Holdings of self-employed individuals for any form of business insurance,
2009
- Holdings by self-employed individuals of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by self-employed
individuals, 2009
- Providers from which main business insurance packages and secondary
insurance products of selfemployed individuals are acquired, 2009
- Percentage of self-employed individuals belonging to a commercial affinity
group, 2009
- Usage of commercial affinity groups to acquire business insurance by
self-employed individuals belonging to a commercial affinity group, 2009
- Requirement of businesses with high cash or cheque receipts for any form
of business insurance, 2009
- Holdings by businesses with high cash or cheque receipts of specific forms
of business insurance, 2009
- Number of relationships for business insurance held by businesses with
high cash or cheque receipts, 2009
- Providers from which main business insurance packages and secondary
insurance products of businesses with high cash or cheque receipts are
acquired, 2009
- Percentage of businesses with high cash or cheque receipts belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
businesses with high cash or cheque receipts belonging to a commercial
affinity group, 2009
- Requirement of businesses with international revenues for any form of
business insurance, 2009
- Holdings by businesses with international revenues of specific forms of
business insurance, 2009
- Number of relationships for business insurance held by businesses with
international revenues, 2009
- Providers from which main business insurance packages and secondary
insurance products of businesses with international revenues are acquired, 2009
- Percentage of businesses with internat. revenues belonging to a comm.
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
businesses with international revenues belonging to a commercial affinity
group, 2009
- Requirement of businesses with online revenues for any form of business
insurance, 2009
- Holdings by businesses with online revenues of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by businesses with
online revenues, 2009
- Providers from which main business insurance packages and secondary
insurance products of businesses with online revenues are acquired, 2009
- Percentage of businesses with online revenues belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to contract business insurance by
businesses with online revenues belonging to a commercial affinity group, 2009
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