市場調査レポート

欧州の専門職賠償責任保険市場

Professional Indemnity Insurance in Europe

発行 Finaccord Ltd. 商品コード 203778
出版日 ページ情報 英文 348 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=102.12円で換算しております。
Back to Top
欧州の専門職賠償責任保険市場 Professional Indemnity Insurance in Europe
出版日: 2016年05月01日 ページ情報: 英文 348 Pages
概要

当レポートでは、欧州の主要12ヶ国における専門職賠償責任保険市場について調査分析し、地域/国別の市場分析と予測のほか、カテゴリー別の分析も含めて、体系的な情報を提供しています。

エグゼクティブサマリー

第1章 イントロダクション

第2章 欧州の概要

  • イントロダクション
  • 付保可能企業数
  • 市場規模・区分
  • 職能・事業者団体とのアフィニティスキーム
  • 保険業者の市場シェアと国際的な存在感
  • 市場予測
  • 部門別サマリー

第3章 オーストリア

  • イントロダクション
  • 付保可能企業数・成長率・区分
  • 市場規模・成長率・区分
  • 保険業者の利用と市場シェア
  • 職能・事業者団体とのアフィニティスキーム
  • その他の販売経路
  • 市場規模予測

第4章 ベルギー

第5章 フランス

第6章 ドイツ

第7章 アイルランド

第8章 イタリア

第9章 オランダ

第10章 ポーランド

第12章 スペイン

第13章 スウェーデン

第14章 スイス

第15章 英国

図表

このページに掲載されている内容は最新版と異なる場合があります。詳細はお問い合わせください。

目次

Professional Indemnity Insurance in Europe is about the market for and distribution of policies covering professional liability as it exists in 12 countries in Europe: Austria, Belgium, France, Germany, Ireland, Italy, Netherlands, Poland, Spain, Sweden, Switzerland and the UK. For 2011, 2015 and with a forecast for 2019, the study breaks down the market for professional indemnity insurance not only by country but also, on a standardised basis, by professional category with 13 categories considered as follows:

  • accountancy and finance architecture;
  • D&B (design and build);
  • engineering;
  • estate agency;
  • financial and insurance intermediation;
  • healthcare-related services;
  • IT and business consulting;
  • legal services;
  • media and marketing;
  • medicine and dentistry;
  • surveying;
  • other professional sectors.

In particular, the report quantifies the number, growth in number and segmentation of insurable enterprises in each country from 2011 to 2015 plus the value, growth and segmentation of the market for professional indemnity insurance over the same time frame and with a forecast to 2019. These segmentations are provided not only for each of the 13 aforementioned professional categories but also by annual fee income or turnover band in order to show the potential and actual market value in each country attributable to the largest and smallest professional enterprises.

In addition, three further segmentations of the market value in 2015 are also given: between business dealt with by domestic underwriters and that placed with non-domestic underwriters; between new business and renewals; and between primary layer and excess layer business. Moreover, on the basis of a survey of leading brokers of professional indemnity cover in each of the 12 countries, the report identifies the underwriters of this type of insurance that are used most frequently and provides estimates for the market shares by premium income of leading underwriters in 2015 in each country for all forms of professional indemnity cover combined expressed as a percentage range (e.g. 5.0% to 7.5%).

Finally, the study identifies affinity schemes for professional indemnity insurance set up between professional / trade associations with a nationwide remit and brokers or underwriters of this type of cover (based on a survey of close to 1,700 such associations), highlights other distribution channels used to sell this form of insurance (e.g. brokers, direct sales, online aggregators, other affinity partners) and discusses other key issues associated with the market.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
    • Finaccord's study breaks down individual country markets into 13 professional categories...
    • ... with a number of other key segmentations also provided
  • Rationale
    • This series of reports delivers up-to-date research about a complex, multi-faceted insurance sector...
    • with affinity schemes researched in detail through the associated PartnerBASE dataset
  • Methodology
    • Survey of professional and trade associations
    • Survey of brokers and underwriters
  • Market data
  • Definitions
    • Professional indemnity insurance
    • Professional categories
    • Operating models
    • Other notes
  • PartnerBASE and market data annexe
  • Finaccord

2.0 EUROPEAN OVERVIEW

  • Introduction
  • Number of insurable enterprises
    • Across the 12 countries, there are over 7 million potentially insurable enterprises
    • within which IT and business consulting constitutes the most heavily populated sector
    • Since 2011, the number of insurable enterprises has increased in 11 out of 12 countries
    • and across all professional categories
    • The vast majority of insurable enterprises have annual fee income or turnover in the lowest band
  • Market size and segmentation
    • Professional indemnity insurance was worth close to EUR 8.2 billion across the 12 countries in 2015
    • having increased in value most rapidly in Poland
    • and with over one third of the market value attributable to one professional sector
    • The value of insurance bought by the medicine and dentistry category has advanced most quickly
    • Small professional enterprises make up the largest segment by value as well as by number of enterprises
    • Non-domestic underwriters are used most often in Italy
    • .while France has the highest proportion of new business as opposed to renewals
    • .and excess layer premiums make up a larger share of the market in Poland than elsewhere
  • Affinity schemes with professional and trade associations
    • Programs for professional indemnity cover are most in evidence in Germany, Italy, Sweden and the UK...
    • ... and are most widespread among professional associations whose members are surveyors...
    • with least enthusiasm for insurance schemes found in the category of media and marketing
    • Most affinity programs are run in conjunction with either a single external broker or underwriter
  • Underwriter market shares and international presence
    • Allianz, AXA and Hiscox are likely to command the highest share of premiums across the 12 countries...
    • ... and they underwrite professional risks in most of them
  • Market forecast
    • The value of professional indemnity insurance is expected to grow in real terms in 11 countries up to 2019
    • A combination of factors will drive premiums across the different professional categories
    • The market for insuring firms with annual fee income below EUR 1 million is likely to rise most quickly
  • Sector summaries
    • Accountancy and finance
    • Architecture
    • D&B (design and build)
    • Engineering
    • Estate agency
    • Financial and insurance intermediation
    • Healthcare-related services
    • IT and business consulting
    • Legal services
    • Media and marketing
    • Medicine and dentistry
    • Surveying
    • Other professional sectors

3.0 AUSTRIA

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • One professional category accounts for more than one quarter of insurance enterprises in Austria...
    • ... and this also grew most rapidly between 2011 and 2015
    • The universe of insurance enterprises is heavily skewed to small businesses
  • Market value, growth and segmentation
    • The IT and business consulting category has delivered the highest premium growth...
    • ... although it is only the sixth-largest out of 13 by value
    • The overall penetration rate is likely to be close to two thirds of insurable enterprises
    • Premiums have been growing at a similar rate across all annual fee income or turnover bands
    • While hospital liability is partly covered through public funds, hospitals still need to take out insurance
    • Master builders ('Baumeister') are responsible for a significant proportion of the D&B market value
    • Some lawyers take out additional cover over and above that available from regional chambers
    • A relatively low proportion of the total market value is underwritten outside of Austria...
    • ... and the bulk of the market is made up of renewals as opposed to new business...
    • ... and of primary layer as opposed to excess layer business
  • Underwriter utilisation and market shares
    • UNIQA and Zurich enjoy the highest regular utilisation rates among brokers researched
    • No insurer is believed to hold a share of more than 20% of the professional indemnity insurance market...
    • ... in which around 20 underwriters compete in total
  • Affinity schemes with professional and trade associations
    • Affinity schemes are quite widespread among professional associations in Austria...
    • ... and no single broker has established a dominant position in this activity
    • Among underwriters, UNIQA can be identified with the greatest number of affinity schemes...
    • ... followed by Generali and HDI
  • Other distribution channels
    • Brokers
      • Brokers of professional indemnity cover include both international and national firms
    • Direct sales
      • Professional indemnity cover can be bought directly (or via tied agents) from many insurers
    • Online aggregators
      • Two aggregators intermediate medical liability insurance policies
    • Other affinity partners
  • Market value forecast
    • Compound annual growth rates up to 2019 will vary by category from a low of 2.2% to a high of 3.4%
    • ... with total premiums soon likely to exceed EUR 200 million

4.0 BELGIUM

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • One category accounts for slightly over 30% of all insurable professional enterprises
    • Enterprises in the category of healthcare-related services have been growing most quickly in number
    • There are almost a quarter of a million insurable professional enterprises in Belgium
  • Market value, growth and segmentation
    • By value of premiums generated, engineering comes second behind medicine and dentistry
    • Holding professional indemnity insurance is compulsory for a number of professions
    • Over 55% of premiums are due to enterprises with annual fee income or turnover below EUR 1 million
    • Data available from the Nationale Bank van België is likely to under-state the true market size...
    • ... partly because some business is dealt with by underwriters outside of Belgium
    • New business makes up a fairly significant proportion of total business in any given year...
    • ... although excess layer business is less important in this context
  • Underwriter utilisation and market shares
    • Two underwriters of professional indemnity cover enjoy utilisation across over 90% of brokers...
    • ... and they are joined by Protect (a specialist underwriter) as the three likely market leaders
    • Other specialist underwriters in Belgium include AMMA, AR-CO, Assurances du Notariat and Euromaf...
    • ... with the former company laying claim to over 33,000 policyholders in total
  • Affinity schemes with professional and trade associations
    • One third of associations researched have established a scheme for professional indemnity insurance...
    • ... with Concordia claiming the most partnerships among brokers...
    • ... and AMMA and Ethias among underwriters
  • Other distribution channels
    • Brokers
      • Professional indemnity cover can be bought from numerous brokers in Belgium...
    • Direct sales
      • ... and also on a direct basis from certain underwriters...
    • Online aggregators
      • ... and from Companeo, an intermediary of a range of different business services
    • Other affinity partners
      • ING offers professional indemnity cover on a packaged basis through a combined commercial policy
  • Market value forecast
    • Premiums will continue to advance most rapidly in the category of healthcare-related services...
    • ... with a forecast compound annual growth rate of 3.0% as opposed to one of 2.1% for the total market

5.0 FRANCE

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • By number of insurable enterprises, the category of healthcare-related services is France's largest...
    • ... albeit the IT and business consulting category has been growing most rapidly
    • The vast majority of insurable enterprises are concentrated in the lowest annual turnover band
  • Market value, growth and segmentation
    • Cover is obligatory for many liberal professions and this often applies to relatively low-risk activities...
    • ... producing a comparatively high take-up rates across all insurable enterprises
    • There is an increasing culture for litigation in France
    • Medicine and dentistry constitutes the largest market segment by value
    • Premiums in the D&B category are not far behind those in the engineering category
    • IT and business consultants quite often acquire professional indemnity insurance
    • French nurses sometimes take out supplementary cover to insure against gross negligence
    • The number and value of claims against legal services firms has tended to be moderate
    • About 60% of the accounting profession is covered through the affinity scheme of the professional body
    • CGPA provides professional indemnity cover for around 13,000 insurance intermediaries in France
    • A substantial proportion of premiums is secured from smaller professional enterprises...
    • ... and a significant amount is dealt with by underwriters based outside of France itself
    • There is an apparently high switching rate for professional indemnity insurance in France
    • Around 15% of the total market value is believed to be due to excess layer business
  • Underwriter utilisation and market shares
    • AXA enjoys the highest regular utilisation rate among brokers researched...
    • ... albeit another seven are reportedly used frequently by more than a half of brokers
    • The likely market leader controls between 18% and 24% of total premiums
    • There are around 50 competing underwriters in total including several specialists
    • Around 45% of independent health professionals hold at least one policy with La Médicale
    • Sham claims to account for around 50% of the French medical liability insurance market
    • MAF and SMA are the main specialists in the architecture, D&B and engineering categories
  • Affinity schemes with professional and trade associations
    • Over a quarter of associations researched have an affinity scheme for professional indemnity cover...
    • ... with Add Value Assurances having secured the most partnerships among brokers...
    • closely followed by Aon
    • Allianz, AXA and Covéa are each identifiable in connection with six affinity programs...
    • ... and are followed by MACSF with three and AIG with two
  • Other distribution channels
    • Brokers
    • Direct sales
      • Professional indemnity cover can often be bought directly from insurers or via their tied agents...
    • Online aggregators
      • ... and at least eight price comparison sites offer it...
    • Other affinity partners
      • ... but it is rarely available from other types of affinity partner
  • Market value forecast
    • A nominal compound annual growth rate of 2.5% is forecast for premiums through to 2019...
    • ... albeit progress will be slightly more rapid among the smallest insurable enterprises

6.0 GERMANY

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • IT and business consulting firms make up the highest proportion of insurable enterprises...
    • ... and their number has also been growing most rapidly
    • The vast majority of insurable enterprises have annual fee income or turnover in the lowest band
  • Market value, growth and segmentation
    • Insurance is compulsory for several professions and strictly enforced for lawyers and tax advisors
    • Premiums have risen most quickly in the medicine and dentistry category...
    • ... which is also the sector generating the highest value of premiums
    • Less than a half of insurable enterprises in Germany have actually bought this type of cover
    • Close to a half of the total market value is generated by smaller professional enterprises
    • The number of hospitals in Germany has declined steadily over the last two decades...
    • ... albeit hospitals still account for around two thirds of claims in the medicine and dentistry category
    • A number of underwriters have exited this market due to high losses...
    • ... which has also caused hospitals to accept high excess levels in return for affordable cover
    • Providing cover for midwives has been another problematic area for German insurers
    • Virtually all German professional indemnity business is underwritten in Germany itself...
    • ... with new business accounting for around a quarter of the total market value each year...
    • ... and excess layer business a fairly significant proportion
      • Underwriter utilisation and market shares
    • Two insurers are utilised by more than a half of brokers placing professional indemnity risks...
    • ... and the same companies are also likely to be the clear market leaders...
    • ... in an overall market for professional indemnity cover in which around 45 underwriters are competing...
    • ... including several with strengths in particular categories
  • Affinity schemes with professional and trade associations
    • More than half of associations researched have an affinity scheme for professional indemnity cover...
    • ... with Aon subsidiary UNITA having secured the most partnerships among brokers...
    • followed by Ecclesia, Funk, Howden Caninenberg and UFB: UMU
    • Among underwriters, HDI has secured involvement in the highest number of affinity schemes
    • Other distribution channels
    • Brokers
      • Brokers of professional indemnity cover also include both generalist and specialist intermediaries...
    • ... with the latter including AIA and exali, among others
    • Direct sales
      • Many underwriters sell policies on a direct basis but generally not as an online-only proposition
    • Online aggregators
      • A few aggregators have extended their offer to include professional indemnity policies
    • Other affinity partners
      • This type of insurance is also on offer from some banks and sports organisations
  • Market value forecast
    • Growth in premiums is anticipated across all professional categories up to 2019...
    • ... with business rising most among entities with annual fee income or turnover in the highest band

7.0 IRELAND

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • One category accounts for over a quarter of insurable professional enterprises in Ireland...
    • ... and it is also one that has been growing at a comparatively rapid rate in recent years
    • Insurable enterprises are skewed towards the lowest annual fee income or turnover band
  • Market value, growth and segmentation
    • Several factors have brought about a resumption in gradual premium growth
    • The largest category accounts for almost 30% of the total market value
    • Category-specific take-up rates range from just under 6% to 100%
    • The largest professional enterprises generate just over one quarter of the total market value
    • Rising claims frequency has caused premiums in the medicine and dentistry category to rise quickly
    • The market leader in this sphere is the MPS but there are several alternatives to it
    • The Irish market for professional indemnity cover for solicitors is understood to have stabilised
    • A substantial proportion of the total market value is underwritten outside of Ireland
    • New business accounts for a comparatively high share of total business...
    • ... but primary layer dominates excess layer business by a ratio of around 19:1
  • Underwriter utilisation and market shares
    • In terms of broker utilisation for professional risks, AIG and Hiscox are the most prominent insurers
    • The supply structure for underwriting professional indemnity cover in Ireland is a fragmented one...
    • ... with over 40 insurers active in it in total
  • Affinity schemes with professional and trade associations
    • Almost a half of associations researched have an affinity scheme for professional indemnity cover...
    • ... with OBF Insurance having secured the most partnerships among brokers...
    • followed by Balens
    • Several underwriters can be identified with specific affinity schemes
  • Other distribution channels
    • Brokers
      • Brokers are by far the dominant distribution channel for professional indemnity cover in Ireland...
      • ... and a number offer online quote facilities, it not outright online purchasing
    • Direct sales
    • Online aggregators
      • Two online aggregators offer to compare quotes for professional indemnity cover
    • Other affinity partners
  • Market value forecast
    • Market growth up to 2019 is expected to be slightly faster than that from 2011 to 2015...
    • ... with business rising most among entities with turnover of between EUR 1 million and EUR 5 million

8.0 ITALY

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • By number of insurable enterprises, the healthcare-related services category is Italy's largest...
    • ... albeit the IT and business consulting category has been growing most rapidly
    • Over 97% of insurable enterprises in Italy have annual fee income or turnover in the lowest band
  • Market value, growth and segmentation
    • The value of Italy's professional indemnity insurance market broke through EUR 1 billion in 2015...
    • ... with medicine and dentistry by far the largest individual category within it
    • Well over a half of insurable enterprises are likely to have bought this type of cover
    • Smaller professional enterprises generate a substantial proportion of total premiums
    • Take-up rates have risen sharply in certain categories as a result of regulatory changes
    • Limited domestic capacity creates opportunities for foreign underwriters
    • The architecture, D&B and engineering categories are among those most affected
    • Driven by high loss ratios, the medical profession continues to experience rising premiums
    • The nature of Italy's judicial system presents an obstacle to professional indemnity litigation
    • A fairly high proportion of the total market value is likely to be placed with underwriters outside of Italy
    • On-going business is likely to account for more than three quarters of the total market value...
    • ... but excess layer business for a relatively small fraction of it
  • Underwriter utilisation and market shares
    • Most brokers place professional indemnity risks with underwriters at Lloyd's of London...
    • ... causing these to be the market leader by premiums when counted together
    • AmTrust's business in Italy is likely to have grown rapidly in recent years...
    • ... in a market populated by around 40 insurers underwriting this class in total
  • Affinity schemes with professional and trade associations
    • 60% of associations researched have an affinity scheme for professional indemnity cover...
    • ... with Aon, AEC Broker and Marsh having secured the most scheme partnerships...
    • ... and with AIG ranked second (behind Lloyd's of London) among underwriters
  • Other distribution channels
    • Brokers
      • The distribution share of brokers is pegged back by the influence of tied agents
    • Direct sales
      • 'True' direct sales are unlikely to be especially significant
    • Online aggregators
      • At least five comparison sites in Italy act as intermediaries for professional indemnity cover
    • Other affinity partners
      • There are isolated examples of other types of affinity partner
  • Market value forecast
    • Premium growth is predicted for all professional categories between 2015 and 2019...
    • ... with business rising most among entities with annual fee income or turnover in the highest band

9.0 NETHERLANDS

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • Professional enterprises in the IT and business consulting sector are most numerous
    • Only one category experienced a decline in its number of insurable enterprises from 2011 to 2015
    • Over 95% of insurable enterprises are concentrated in the lowest annual fee income or turnover band
  • Market value, growth and segmentation
    • Premiums in the medicine and dentistry category are far ahead of those in the second-largest segment
    • Holding professional indemnity insurance is compulsory for a number of professions
    • A high share of premiums is due to enterprises with annual fee income or turnover below EUR 1 million
    • Dutch doctors generally acquire professional indemnity cover bundled within general liability insurance
    • MediRisk insures most hospitals in the Netherlands
    • Architects belonging to the main professional association have to acquire appropriate insurance cover
    • A small proportion of the Dutch market is dealt with by underwriters based outside of the Netherlands...
    • ... and around a quarter of it in any given year is due to new business as opposed to renewals
    • The vast majority of the market is composed of primary layer (as opposed to excess layer) business
  • Underwriter utilisation and market shares
    • Two underwriters of professional indemnity cover enjoy regular utilisation among 80% of Dutch brokers...
    • ... and any of three are likely overall market leaders
    • Participants include both international and local underwriters
  • Affinity schemes with professional and trade associations
    • One third of associations have established a scheme for professional indemnity insurance...
    • ... with Aon claiming the most partnerships among brokers...
    • ... and VvAA among underwriters
  • Other distribution channels
    • Brokers
      • Numerous brokers possess demonstrable expertise in professional indemnity cover...
      • ... and several have set up a dedicated online proposition for it
    • Direct sales
      • Professional indemnity insurance can also be bought directly from several underwriters...
    • Online aggregators
      • ... but has not yet entered the suite of products marketed by online comparison sites
    • Other affinity partners
      • Major banks constitute the other important distribution channel for this type of insurance in the Netherlands
  • Market value forecast
    • Further steady growth in premiums is predicted for the period from 2015 to 2019...
    • ... with the most rapid growth forecast among the smallest professional enterprises

10.0 POLAND

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • Two categories account for over 30% of insurable professional enterprises in Poland...
    • ... one of which has been growing very rapidly
    • Insurable professional enterprises in Poland are heavily concentrated in the lowest turnover band
  • Market value, growth and segmentation
    • The market for professional indemnity insurance is small but has been expanding quite quickly
    • Unusually, D&B (design and build) is the second-largest individual category within it
    • Where not obligatory, take-up rates for professional indemnity cover are likely to be very low
    • Both claims frequency and average claims size are believed to be comparatively low
    • More than a half of the total market value is due to the smallest tranche of professional enterprises...
    • ... and the vast majority of it is underwritten by insurers based in Poland itself...
    • ... with just under 80% of it due to renewals (as opposed to new business) in any given year
    • A quite significant proportion of the total market value is due to excess layer business
  • Underwriter utilisation and market shares
    • ERGO and PZU are the underwriters of professional indemnity cover utilised most frequently by brokers
    • ... with PZU also the likely market leader by value of business dealt with
    • The number of competitors underwriting professional indemnity risks in Poland is seemingly low
  • Affinity schemes with professional and trade associations
    • Around 20% of associations have established an affinity scheme for professional indemnity cover...
    • ... with five brokers having secured at least one relationship in this field...
    • ... and with nine underwriters found to have involvement in it
  • Other distribution channels
    • Brokers
      • Brokers are an important conduit for professional indemnity insurance in Poland...
    • Direct sales
      • ... although cover can also be bought directly from underwriters (or via their tied agents)
    • Online aggregators
    • Other affinity partners
  • Market value forecast
    • The market value is on track to exceed EUR 90 million (around PLN 375 million) by 2019...
    • ... with premiums rising most among entities with annual fee income or turnover in the lowest band

11.0 SPAIN

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • Professional enterprises in the engineering sector are most numerous
    • The number of insurable enterprises in most categories has been declining
    • The vast majority of insurable enterprises have annual fee income or turnover in the lowest band
  • Market value, growth and segmentation
    • The market for professional indemnity insurance in Spain is likely to have shrunk
    • The largest segment by value of premiums is that of medicine and dentistry
    • Take-up rates vary hugely across the different professional categories
    • Most premiums are paid by businesses with annual fee income or turnover below EUR 1 million
    • Professional indemnity policies in Spain often provide for relatively low insured sums
    • A high proportion of medical liability risks are covered through policies bought by regional governments
    • or intermediated by regional 'colegios'
    • The vast majority of business is dealt with by underwriters based in Spain itself...
    • ... and is due to renewals rather than new business
    • Excess layer business makes up a significant proportion of the market total
  • Underwriter utilisation and market shares
    • Allianz, AXA and MAPFRE are the providers enjoying the highest reported utilisation among brokers...
    • ... and these competitors are also ranked among the top five by market share...
    • ... in a sector in which there are around 40 underwriters in total (including MGAs)...
    • ... comprising both insurers covering multiple professional categories plus specialists
  • Affinity schemes with professional and trade associations
    • Most affinity partnerships involve a single external underwriter, usually intermediated by a broker
    • Adartia is the one broker with over two deals with national (as opposed to regional or local) associations
    • Eight underwriters can be identified in conjunction with two or more nationwide affinity schemes...
    • ... albeit many more are organised at a regional or local level
  • Other distribution channels
    • Brokers
      • A number of brokers possess demonstrable expertise in professional indemnity cover
    • Direct sales and tied agents
      • Professional indemnity insurance is marketed directly by a number of underwriters
    • Online aggregators
      • Specialist comparison sites are yet to emerge for professional indemnity insurance in Spain
    • Other affinity partners
      • A number of Spain's largest banks are distributors of professional indemnity cover
  • Market value forecast
    • While modest, a resumption of growth is anticipated for the market value between 2015 and 2019...
    • ... with this forecast to occur across all annual fee income and turnover bands

12.0 SWEDEN

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • By number of insurable enterprises, the IT and business consulting category is Sweden's largest...
    • ... while that of medicine and dentistry has been growing most rapidly
    • There are around 11,000 professional enterprises with annual turnover of more than EUR 1 million
  • Market value, growth and segmentation
    • Relative to Sweden's size and wealth, the value of the market for professional indemnity cover is small...
    • ... with accountancy and finance likely to be the largest individual category within it
    • In comparison to some other European countries, the average insurance take-up rate is quite low
    • The broader market for general liability insurance in Sweden is also quite limited in terms of its value
    • The Swedish market for medical liability cover follows a different dynamic from the rest of Europe...
    • ... mainly as a consequence of the presence of LÖ;F (Landstingens Ö;msesidiga Fö;rsä;kringsbolag)
    • Close to a half of the total market value is due to the smallest band of professional enterprises
    • The vast majority of the market value is underwritten by insurers based in Sweden itself...
    • ... and around 80% of it in any given year is due to renewals (as opposed to new business)
    • Excess layer business represents a small but fairly significant chunk of the total market value
  • Underwriter utilisation and market shares
    • If is the underwriter of professional indemnity cover utilised most frequently by brokers in Sweden...
    • ... and is also the likely market leader by value of business dealt with, followed by Trygg-Hansa
    • In total, around 16 companies are underwriting professional indemnity risks in Sweden
  • Affinity schemes with professional and trade associations
    • Affinity schemes for professional indemnity cover have been set up by most professional associations...
    • ... with Gefvert having secured the most partnerships among conventional brokers...
    • ... and Folksam the most among underwriters...
    • ... followed by the duo of Nordeuropa Fö;rsä;kring and Hiscox
  • Other distribution channels
    • Brokers
      • In addition to brokers running affinity schemes, there are several others with expertise in this sector
    • Direct sales
      • A number of underwriters sell professional indemnity cover on a direct basis
    • Online aggregators
    • Other affinity partners
  • Market value forecast
    • The Swedish market for professional indemnity cover is likely to achieve moderate growth up to 2019...
    • ... with premiums rising most among entities with annual fee income or turnover in the lowest band

13.0 SWITZERLAND

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • IT and business consulting firms make up the highest proportion of insurable enterprises in Switzerland...
    • ... and their number has also been growing most rapidly in recent years
    • There are close to 180,000 insurable professional enterprises in total
  • Market value, growth and segmentation
    • Four categories have been particularly influential in driving growth in the market value
    • Medicine and dentistry, as in most other countries, is comfortably the largest segment
    • The take-up rate for professional indemnity cover is likely to stand at well over a half of insurable enterprises
    • More than a half of the total market value is generated by smaller professional enterprises
    • Medical liability insurance has seen a recent spike in claims
    • Swiss architects often have exposure to civil engineering risks
    • Increasing real estate transactions have fanned demand for cover among estate agencies
    • Regulations for particular professions can vary from one canton to another
    • The entire market value can be classified as being dealt with by domestic underwriters
    • New business accounts for around a fifth of the total market value...
    • ... and excess layer business for a slightly lower proportion
  • Underwriter utilisation and market shares
    • Five underwriters enjoy regular utilisation rates in excess of 50% of brokers researched...
    • ... including one that was mentioned by all of them
    • Allianz and AXA are likely to be virtually level as the market leaders
    • Several underwriters are strong in particular categories but there are no mono-category specialists
  • Affinity schemes with professional and trade associations
    • Over 40% of associations researched have an affinity scheme for professional indemnity cover...
    • ... and these are likely to be most important as a conduit for providing cover to the classic professions
    • Roth Gygax & Partners and the duo of Sermed and VCW hold the most partnerships among brokers...
    • ... with AXA and Zurich the most prolific affinity scheme partners among underwriters
  • Other distribution channels
    • Brokers
      • A number of major brokers without involvement in affinity schemes may also be significant
    • Direct sales
      • Many underwriters sell policies on a direct basis but generally not as an online-only proposition
    • Online aggregators
      • Swiss aggregators have yet to branch out into professional indemnity insurance
    • Other affinity partners
      • Cover for professional risks is available from one major banking group in Switzerland
  • Market value forecast
    • Up to 2019, premiums are expected to grow most rapidly in the engineering category...
    • ... albeit little variation in growth is predicted by size of insured enterprise

14.0 UK

  • Introduction
  • Number, growth in number and segmentation of insurable enterprises
    • By number of insurable enterprises, the IT and business consulting category is the UK's largest...
    • ... while the estate agency and property category has been growing most rapidly
    • The vast majority of insurable enterprises have annual fee income or turnover in the lowest band
  • Market value, growth and segmentation
    • The value of the UK's professional indemnity insurance market is large but slow-growing...
    • ... with medicine and dentistry the largest individual category within it
    • Around 37% of insurable enterprises have actually bought this type of cover
    • A substantial proportion of premiums comes from smaller professional enterprises
    • Medical liability insurance in the UK has been characterised by an increase in claims
    • in a market in which the bulk of cover is underwritten by specialist mutual insurers
    • An increasing proportion of solicitors are choosing to purchase top-up cover
    • A very low proportion of the market value is underwritten outside of the UK...
    • ... and the bulk of the market is made up of renewals as opposed to new business...
    • ... and of primary layer as opposed to excess layer business
  • Underwriter utilisation and market shares
    • Liberty and Markel enjoy the highest regular utilisation rates among brokers researched
    • The MPS (Medical Protection Society) is the likely market leader by value of business dealt with...
    • ... in an overall market for professional indemnity cover in which around 70 underwriters are competing
  • Affinity schemes with professional and trade associations
    • Well over a half of associations researched have an affinity scheme for professional indemnity cover...
    • ... with Arthur J Gallagher having secured the most partnerships among brokers...
    • closely followed by Towergate
    • Acquisitions means that Howden and Marsh are also increasingly significant in this field...
    • in which most participating brokers have just one affinity partnership
    • Among underwriters, Hiscox can be identified with the greatest number of affinity schemes...
    • ... followed by RSA and AXA
  • Other distribution channels
    • Brokers
      • Brokers are the key distribution channel in the UK although only a few transact business online
    • Direct sales
      • A handful of underwriters sell professional indemnity insurance on a direct basis
    • Online aggregators
      • A number of online aggregators are present in the market
    • Other affinity partners
    • Other distributors include major automotive associations and several sports organisations
  • Market value forecast
    • All categories will achieve nominal compound annual growth in premiums up to 2019...
    • ... with business rising most among entities with annual fee income or turnover in the highest band

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Number of enterprises eligible for professional indemnity insurance in Europe segmented by country, professional sector and annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Europe segmented by country, professional sector and annual fee income / turnover band, 2011, 2015 and 2019 (forecast)

1.0 INTRODUCTION

  • Professional associations contacted by Finaccord, segmented by country, professional category and membership type

2.0 EUROPEAN OVERVIEW

  • Number of enterprises eligible for professional indemnity insurance in Europe, segmented by country, 2015
  • Number of enterprises eligible for professional indemnity insurance in Europe, segmented by professional sector, 2015
  • Compound annual growth or decline in number of enterprises eligible for professional indemnity insurance in Europe, segmented by country, 2011 to 2015
  • Number of enterprises eligible for professional indemnity insurance in Europe segmented by country, 2011 and 2015 (table)
  • Compound annual growth or decline in number of enterprises eligible for professional indemnity insurance in Europe, segmented by professional sector, 2011 to 2015
  • Number of enterprises eligible for professional indemnity insurance in Europe, segmented by professional sector, 2011 and 2015 (table)
  • Number of enterprises eligible for professional indemnity insurance in Europe, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of enterprises eligible for professional indemnity insurance in Europe, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Europe, segmented by country, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Europe, segmented by country, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Europe, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Europe, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Europe, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Europe, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Europe segmented by country and between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in Europe segmented by country and between domestic and non-domestic underwriters, 2015 (table)
  • Gross written premiums for professional indemnity insurance in Europe segmented by country and between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in Europe segmented by country and between new business and renewals, 2015 (table)
  • Gross written premiums for professional indemnity insurance in Europe segmented by country and between primary and excess layer business, 2015
  • Gross written premiums for professional indemnity insurance in Europe segmented by country and between primary and excess layer business, 2015 (table)
  • Provision rates for affinity schemes for professional indemnity insurance in Europe segmented by country, 2015
  • Provision rates for affinity schemes for professional indemnity insurance in Europe segmented by professional category, 2015
  • Operating models used for affinity schemes for professional indemnity insurance in Europe segmented by country, 2015
  • Operating models used for affinity schemes for professional indemnity insurance in Europe segmented by country, 2015 (table)
  • Estimated market shares of underwriters of professional indemnity insurance in Europe, 2015 (table)
  • Presence of top ten underwriters of professional indemnity insurance in Europe, segmented by country, 2015
  • Gross written premiums for professional indemnity insurance in Europe, segmented by country, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Europe, segmented by country, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Europe, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Europe, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Europe, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Europe, segmented by annual fee income / turnover band, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the accountancy and finance sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the accountancy and finance sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the architecture sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the architecture sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the D&B (design and build) sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the D&B (design and build) sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the engineering sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the engineering sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the estate agency sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the estate agency sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the financial and insurance intermediation sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the financial and insurance intermediation sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the healthcare-related services sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the healthcare-related services sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the IT and business consulting sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the IT and business consulting sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the legal services sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the legal services sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the media and marketing sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the media and marketing sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the medicine and dentistry sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the medicine and dentistry sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the surveying sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in the surveying sector in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in other professional sectors in Europe, segmented by country, 2011, 2015 and 2019 (forecast)
  • Gross written premiums for professional indemnity insurance acquired by enterprises in other professional sectors in Europe, segmented by country, 2011, 2015 and 2019 (forecast) (table)

3.0 AUSTRIA

  • Number of insurable enterprises in Austria, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in Austria, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in Austria, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in Austria, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in Austria, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Austria, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Austria, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Austria, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Austria, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Austria segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in Austria segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in Austria segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in Austria, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Austria, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Austria, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Austria: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Austria: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Austria: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in Austria, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Austria, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Austria, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Austria, segmented by annual fee income / turnover band, 2019 (forecast) (table)

4.0 BELGIUM

  • Number of insurable enterprises in Belgium, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in Belgium, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in Belgium, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in Belgium, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in Belgium, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Belgium, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Belgium, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Belgium, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Belgium, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Belgium segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in Belgium segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in Belgium segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in Belgium, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Belgium, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Belgium, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Belgium: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Belgium: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Belgium: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in Belgium, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Belgium, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Belgium, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Belgium, segmented by annual fee income / turnover band, 2019 (forecast) (table)

5.0 FRANCE

  • Number of insurable enterprises in France, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in France, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in France, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in France, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in France, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in France, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in France, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in France, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in France, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in France segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in France segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in France segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in France, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in France, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in France, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in France: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in France: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in France: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in France, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in France, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in France, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in France, segmented by annual fee income / turnover band, 2019 (forecast) (table)

6.0 GERMANY

  • Number of insurable enterprises in Germany, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in Germany, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in Germany, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in Germany, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in Germany, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Germany, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Germany, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Germany, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Germany, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Germany segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in Germany segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in Germany segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in Germany, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Germany, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Germany, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Germany: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Germany: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Germany: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in Germany, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Germany, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Germany, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Germany, segmented by annual fee income / turnover band, 2019 (forecast) (table)

7.0 IRELAND

  • Number of insurable enterprises in Ireland, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in Ireland, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in Ireland, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in Ireland, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in Ireland, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Ireland, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Ireland, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Ireland, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Ireland, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Ireland segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in Ireland segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in Ireland segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in Ireland, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Ireland, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Ireland, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Ireland: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Ireland: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Ireland: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in Ireland, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Ireland, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Ireland, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Ireland, segmented by annual fee income / turnover band, 2019 (forecast) (table)

8.0 ITALY

  • Number of insurable enterprises in Italy, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in Italy, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in Italy, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in Italy, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in Italy, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Italy, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Italy, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Italy, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Italy, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Italy segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in Italy segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in Italy segmented between primary and excess layer business, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Italy, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Italy, 2015 Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in Italy, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Italy: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Italy: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Italy: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in Italy, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Italy, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Italy, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Italy, segmented by annual fee income / turnover band, 2019 (forecast) (table)

9.0 NETHERLANDS

  • Number of insurable enterprises in the Netherlands, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in the Netherlands, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in the Netherlands, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in the Netherlands, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in the Netherlands, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in the Netherlands, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in the Netherlands, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in the Netherlands, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in the Netherlands, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in the Netherlands segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in the Netherlands segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in the Netherlands segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in the Netherlands, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in the Netherlands, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in the Netherlands, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in the Netherlands: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in the Netherlands: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in the Netherlands: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in the Netherlands, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in the Netherlands, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in the Netherlands, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in the Netherlands, segmented by annual fee income / turnover band, 2019 (forecast) (table)

10.0 POLAND

  • Number of insurable enterprises in Poland, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in Poland, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in Poland, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in Poland, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in Poland, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Poland, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Poland, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Poland, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Poland, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Poland segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in Poland segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in Poland segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in Poland, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Poland, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Poland, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Poland: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Poland: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Poland: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in Poland, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Poland, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Poland, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Poland, segmented by annual fee income / turnover band, 2019 (forecast) (table)

11.0 SPAIN

  • Number of insurable enterprises in Spain, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in Spain, segmented by professional sector, 2011-2015
  • Number of insurable enterprises in Spain, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in Spain, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in Spain, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Spain, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Spain, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Spain, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Spain, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Spain segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in Spain segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in Spain segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in Spain, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Spain, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Spain, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Spain: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Spain: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Spain: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in Spain, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Spain, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Spain, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Spain, segmented by annual fee income / turnover band, 2019 (forecast) (table)

12.0 SWEDEN

  • Number of insurable enterprises in Sweden, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in Sweden, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in Sweden, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in Sweden, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in Sweden, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Sweden, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Sweden, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Sweden, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Sweden, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Sweden segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in Sweden segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in Sweden segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in Sweden, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Sweden, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Sweden, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Sweden: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Sweden: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Sweden: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in Sweden, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Sweden, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Sweden, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Sweden, segmented by annual fee income / turnover band, 2019 (forecast) (table)

13.0 SWITZERLAND

  • Number of insurable enterprises in Switzerland, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in Switzerland, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in Switzerland, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in Switzerland, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in Switzerland, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Switzerland, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Switzerland, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Switzerland, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in Switzerland, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in Switzerland segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in Switzerland segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in Switzerland segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in Switzerland, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Switzerland, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in Switzerland, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Switzerland: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Switzerland: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in Switzerland: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in Switzerland, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Switzerland, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in Switzerland, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in Switzerland, segmented by annual fee income / turnover band, 2019 (forecast) (table)

14.0 UK

  • Number of insurable enterprises in the UK, segmented by professional sector, 2015
  • Compound annual growth or decline in number of insurable enterprises in the UK, segmented by professional sector, 2011 to 2015
  • Number of insurable enterprises in the UK, segmented by professional sector, 2011 and 2015 (table)
  • Number of insurable enterprises in the UK, segmented by annual fee income / turnover band, 2011 and 2015
  • Number of insurable enterprises in the UK, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in the UK, segmented by professional sector, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in the UK, segmented by professional sector, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in the UK, segmented by annual fee income / turnover band, 2011 and 2015
  • Gross written premiums for professional indemnity insurance in the UK, segmented by annual fee income / turnover band, 2011 and 2015 (table)
  • Gross written premiums for professional indemnity insurance in the UK segmented between domestic and non-domestic underwriters, 2015
  • Gross written premiums for professional indemnity insurance in the UK segmented between new business and renewals, 2015
  • Gross written premiums for professional indemnity insurance in the UK segmented between primary and excess layer business, 2015
  • Percentage of brokers surveyed making regular use of particular underwriters for professional indemnity insurance in the UK, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in the UK, 2015
  • Estimated market shares of underwriters of professional indemnity insurance in the UK, 2015 (table)
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in the UK: provision rate and operating models, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in the UK: broker share of partnerships, 2015
  • Affinity schemes for professional indemnity insurance offered through professional and trade associations in the UK: underwriter share of partnerships, 2015
  • Gross written premiums for professional indemnity insurance in the UK, segmented by professional sector, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in the UK, segmented by professional sector, 2019 (forecast) (table)
  • Gross written premiums for professional indemnity insurance in the UK, segmented by annual fee income / turnover band, 2019 (forecast)
  • Gross written premiums for professional indemnity insurance in the UK, segmented by annual fee income / turnover band, 2019 (forecast) (table)
Back to Top