市場調査レポート

日本の損害保険ブローカー市場

Commercial Non-Life Insurance Brokers in Japan

発行 Finaccord Ltd. 商品コード 264159
出版日 ページ情報 英文 30 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。
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日本の損害保険ブローカー市場 Commercial Non-Life Insurance Brokers in Japan
出版日: 2013年01月01日 ページ情報: 英文 30 pages
概要

当レポートでは、日本における商用損害保険のブローカー(総合代理店を含む)市場について分析し、国内の損害保険市場全体の規模・成長率・分野別動向や、保険流通市場におけるブローカー・総合代理店のシェア、主要ブローカー20社・総合代理店15社のランキングと特色、今後の市場見通しなどを調査・推計して、その結果を概略以下の構成でお届けします。

エグゼクティブ・サマリー

イントロダクション

市場分析

  • イントロダクション
  • 規制情報
    • 日本ではブローカー(保険仲立人)の概念は、1996年になってようやく認知された
    • 現在も、ブローカーの総数は僅かである
    • 日本の保険代理店全体の1/4弱が総合代理店である
  • 損害保険市場
    • 保険料収入は2008〜2012年に順調に増加した
    • 特に損害賠償保険が傑出した成長率を記録した
  • 損害保険ブローカーおよび総合代理店
    • 損害保険の流通構造:概要
      • 日本のブローカーは、企業の社内代理店との競争で苦境に立たされている
      • ただし、幾つかのニッチな商品分野を押さえている
      • 総合代理店は2011年に42億米ドルの収益を達成
    • 各企業の動向と専門分野:ブローカーの場合
      • 大手10社で損害保険ブローカー市場収益の3/4を占めている
      • Aon:小売ブローカーとしては、日本では現在は活発に活動していない
      • 共立インシュアランスブローカーズ:外資系企業の代理業務や国際ネットワークに特化
      • 銀泉リスクソリューションズ・MSTリスクコンサルティング:国内の主要金融グループとの関係性を構築
      • Bluewell Insurance Brokers:2004〜2011年にブローカー収益を倍増させる
      • 商業損害保険が、大手ブローカーの最大の収益源である
      • 一部のブローカーでは、再保険も重要である
    • 流通戦略:ブローカーの場合
      • 上位20社のうち5社が、国内専門企業と位置づけられる
      • 大手企業数社が、特定の商品分野に特化している
      • 特定の顧客部門に特化した企業:東海保険ブローカー(公的部門・組織に特化)
      • 複雑なリスクに注目した結果、どのブローカーもオンライン上で商品を販売していない
      • 数社が国際ネットワークに参加している
    • 各企業の動向と専門分野:総合代理店の場合
      • 総合代理店の市場は高度に細分化されている
      • 上位10社の仲介業務からの市場収益シェアは、合計で12.7%に満たない
      • 大手企業(日立製作所、三菱、双日など)はたいてい、自社系列の総合代理店を有している
      • Marsh:損害保険業者30社との間で総合代理店事業を共同展開
      • 他の大手総合代理店は、親企業との取引で自社事業を維持
    • 流通戦略:総合代理店の場合
      • 複数の総合代理店がオンラインで個人向け商品を販売しているが、法人顧客向けには無い
    • 将来展望
      • 損害保険ブローカー市場は、2012〜2016年にかけて徐々に拡大し続ける
      • 総合代理店は流通経路としての地位を維持し続ける

図表一覧

目次
Product Code: rp_cn-lib_jp

Abstract

Commercial Non-Life Insurance Brokers in Japan and the BrokerBASE™ that accompanies it investigate the importance of both brokers and multi-tied agencies in the distribution of non-life insurance for businesses in Japan. This report first provides unique data for the size, segmentation and growth of the Japanese commercial non-life insurance market itself. It then quantifies the share of this market that is intermediated by brokers and multi-tied agencies, and, based on extensive primary research covering around 70 such entities in total, it ranks the leading 20 brokers and 15 multi-tied agencies in Japan according to their revenues from commercial non-life insurance, excluding income from other activities such as personal lines and employee benefits.

This report provides unique data in the following areas:

  • the value of commercial non-life insurance markets for 2008 to 2012;
  • the share of this market distributed by brokers and multi-tied agencies in 2008 and 2012;
  • the revenues generated by commercial non-life insurance business for brokers and multi-tied agencies in 2008 and 2012;
  • the concentration of the markets for commercial non-life insurance broking and multi-tied agency activities;
  • forecasts for 2016 for the value of commercial non-life insurance premiums, brokers' and multi-tied agencies' share of this market, and the revenues of both types of intermediary from commercial non-life insurance business.

Moreover, the report and the BrokerBASE™ that accompanies it can be used in one or more of the following ways:

  • to quantify the size and dynamism of the broker and multi-tied agency markets for commercial non-life insurance in Japan;
  • to utilise a single comprehensive source of information that uses a uniform methodology to size the underlying commercial non-life insurance market and to quantify the share of distribution of brokers and multi-tied agencies;
  • to assess a range of potential business opportunities: from selecting targets for acquisition to niche product development and ideas for distribution partnerships;
  • to understand the competitive landscape in Japan through its market concentration, the importance of international brokers, and the distribution strategies of both brokers and multi-tied agencies;
  • to identify the leading brokers and multi-tied agencies in Japan, with coverage of competitors such as Hitachi Insurance Services, Kyoritsu Insurance Brokers, Marsh, MST Insurance Service, MST Risk Consulting and Sojitz Insurance.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
    • The focus is uniquely on commercial non-life insurance, excluding other types of business
    • and on both genuine broking and the activities of multi-tied agencies
  • Rationale
  • Methodology
    • Research program
    • Market data analysis
  • Definitions
    • Premiums
    • Abbreviations
  • BrokerBASE
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Regulatory information
    • The concept of insurance broking in Japan was only recognised in 1996
    • and the overall number of brokers remains low
    • Just under a quarter of all general insurance agencies in Japan are multi-tied
  • Commercial non-life insurance market
    • Premiums registered steady growth in real terms between 2008 and 2012
    • with commercial liability insurance outperforming other segments
  • Commercial non-life insurance brokers and multi-tied agencies
    • Overview of the distribution of commercial non-life insurance
      • Japanese brokers find it difficult to compete with corporations' in-house agents
      • although they have carved out niches in some product segments
      • Multi-tied agencies generated about USD 4.2 billion in revenues in 2011 through commercial lines
    • Competitor trends and specialisms - brokers
      • The ten largest brokers control nearly three quarters of commercial non-life broking revenues
      • Aon is currently not active in Japan as a retail broker for commercial non-life insurance
      • Kyoritsu specialises in representing foreign clients and international networks
      • while Ginsen and MST Risk Consulting have connections to major Japanese financial groups
      • Bluewell Insurance Brokers doubled its insurance broking revenues between 2004 and 2011
      • Commercial non-life insurance is the largest source of income for most of the larger brokers
      • although reinsurance is important to some brokers
  • Distribution strategies - brokers
    • Five of the top 20 brokers can be classified as regional specialists
    • and several specialise in particular product segments
    • or particular client sectors, such as Tokai Hoken which primarily works for public sector organisations
    • As a result of their focus on complex risks, no brokers distribute policies online
    • although a number have joined international networks
  • Competitor trends and specialisms - multi-tied agencies
    • The involvement of multi-tied agencies in commercial lines is highly fragmented
    • with the top ten accounting for no more than 12.7% of revenues generated by this type of intermediary
    • Major corporations such as Hitachi, Mitsubishi and Sojitz generally own the largest multi-tied agencies
    • Marsh's multi-tied agency business co-operates with about 30 different non-life underwriters
    • Other leading multi-tied agencies secure most of their business from their parent companies
  • Distribution strategies - multi-tied agencies
    • Several multi-tied agencies sell insurance online to personal customers but not to business clients
  • Future outlook
    • The commercial non-life insurance broking market will continue to edge up between 2012 and 2016
    • and Finaccord believes that multi-tied agents will remain dominant as a distribution channel

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Key market data for commercial non-life insurance brokers and multi-tied agencies in Japan

1.0 INTRODUCTION

2.0 MARKET ANALYSIS

  • Segmentation of the commercial non-life insurance market in Japan, 2012
  • Growth in the commercial non-life insurance market in Japan by segment, 2008 to 2012
  • Size and growth of the commercial non-life insurance market in Japan by segment, 2008 to 2012 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Japan, 2008 and 2012
  • Multi-tied agencies' share of the commercial non-life insurance market and revenues earned from it in Japan, 2008 and 2012
  • Brokers' and multi-tied agencies' share of the commercial non-life insurance market and revenues earned from it in Japan, 2008 and 2012 (table)
  • Market concentration for commercial non-life insurance broking in Japan, 2011
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Japan, 2011
  • Importance of different types of insurance broking for
  • top 20 commercial non-life insurance brokers in Japan
  • Market concentration for commercial non-life insurance multi-tied agencies in Japan, 2011
  • Market shares of commercial non-life insurance revenues earned by multi-tied agencies of the top ten multi-tied agencies in Japan, 2011
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Japan, 2016
  • Multi-tied agencies' forecast share of the commercial non-life insurance market and revenues earned from it in Japan, 2016
  • Brokers' and multi-tied agencies' forecast share of the commercial non-life insurance market and revenues earned from it in Japan, 2016 (table)
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