市場調査レポート

米国の商業損害保険ブローカー

Commercial Non-Life Insurance Brokers in the USA

発行 Finaccord Ltd. 商品コード 278426
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=107.50円で換算しております。
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米国の商業損害保険ブローカー Commercial Non-Life Insurance Brokers in the USA
出版日: 2013年05月01日 ページ情報: 英文 30 pages
概要

当レポートでは、米国の商業損害保険ブローカーについて分析し、米国の商業損害保険市場の2008年から2012年の規模、セグメンテーションおよび成長に関する独自のデータを提供すると共に、100以上のブローカー調査に基いたブローカーや独立保険代理店により仲介される定量的市場シェア、商業損害保険収入トップ80をランキングしつつ概略下記内容でお届け致します。

エグゼクティブサマリー

第1章 はじめに

  • この報告書では何を取り扱うか
    • 他のビジネスや仲介者がエージェントとブローカーの両方の役割を果たすことができる場合であっても仲介を除き、商業損害保険に焦点を当てている
  • 理論的根拠
  • 調査方法
    • 調査プログラム
    • 市場データ分析
  • 定義
    • 保険料
    • 略語
  • BrokerBASE について
  • Finaccord について

第2章 市場分析

  • はじめに
  • 規制情報
    • FIOの設立にもかかわらず、保険の規制は各州の責任のまま
    • いくつかの州では、エージェントとブローカーとの間には正式な区別はない
    • 約38,500の独立した保険代理店が米国保険市場で競争している
    • NARABを作ることで、いくつかの州をまたがるライセンシングプロセスを合理化することができる
  • 商業損害保険市場
    • 米国の商業保険市場は、2011年に成長に転じ、2012年には賠償保険と財産保険のより高い保険料によって推進された
  • 商業損害保険ブローカー
    • 商業損害保険の流通におけるブローカープレゼンスの概要
      • ブローカーと独立代理店は、流通シェアが直接販売との競争でわずかに減少しているものの、商業保険の主要な流通経路である
    • 競合者の動向と専門性
      • トップ10ブローカーの収入が全商業損害保険仲介収入の半分を占める
      • Aon and Marsh以外の仲介グループは5%以上の市場シェアを持っていない
      • Arthur J. Gallagher は一連の買収を通じて大幅な成長を達成した
      • USI Holdingsは商業保険の中間市場の顧客に強く焦点を当てている
      • Brown & Brownは2012年にArrowhead General Insurance 買収することで、その位置を強化した
      • 商業保険の仲介は、平均的には総ブローカー収益の60%を僅かに超える
    • ブローカーの流通戦略
      • 米国のトップ80ブローカーの半分以上は、地域に強力に焦点をあて、しばしば言及される建設やヘルスケアなどの特定のビジネス分野にかなりの専門性を持っている
    • 主要なブローカーまだどこも商業保険のオンライン販売のための施設を設置していない
    • ブローカーネットワークの中では、Assurex Global が最も多くの米国ベースのメンバーを抱えており、ほとんどすべての国際的なネットワークは少なくとも1社の米国からのメンバーを要求している
  • 将来展望
    • 仲介商用保険からの収益は、ブローカーや独立エージェントのシェア下落にもかかわらず、ほどほどの割合で成長するだろう
目次
Product Code: report_cn-lib_us

Abstract

Commercial Non-Life Insurance Brokers in the USA and the BrokerBASE™ that accompanies it investigate the importance of brokers and independent agents in the distribution of property and casualty insurance for businesses in the US. This report first provides unique data for the size, segmentation and growth of the US commercial non-life insurance market itself. It then quantifies the share of this market that is intermediated by brokers and independent agents and, based on extensive primary research covering over 100 broking entities in total, it ranks the leading 80 competitors in the US according to their revenues from commercial property and casualty 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 independent agents in 2008 and 2012;
  • the revenues generated by commercial property and casualty insurance business for brokers and independent agents in 2008 and 2012;
  • the concentration of the market for commercial non-life insurance broking;
  • forecasts for 2016 for the value of commercial property and casualty insurance premiums, the share of brokers and independent agents of this market and their revenues 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 independent agent market for commercial property and casualty insurance in the US;
  • 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 independent agents;
  • 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 the US through its market concentration, the importance of international brokers, and brokers' distribution strategies;
  • to identify the leading brokers in the US, with coverage of competitors such as Aon, Arthur J. Gallagher, BB&T Insurance Services, Marsh and Wells Fargo Insurance Services.

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 brokerage, even where intermediaries can act as both agents and brokers
  • Rationale
  • Methodology
    • Research program
    • Market data analysis
  • Definitions
    • Premiums
    • Abbreviations
  • BrokerBASE
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Regulatory information
    • Despite the establishment of the FIO, insurance regulation remains the responsibility of individual states
    • In several states there is no formal distinction between agents and brokers
    • Around 38,500 independent insurance agencies compete in the US insurance market
    • The creation of NARAB could streamline the licensing process across several states
  • Commercial non-life insurance market
    • The US commercial lines market returned to growth in 2011 and 2012 propelled by higher premiums in liability and property insurance
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers and independent agents are the dominant distribution channel for commercial lines although their distribution share has declined slightly as a result of competition from direct sales
    • Competitor trends and specialisms
      • The top ten brokers account well under half of all commercial non-life insurance broking revenues
      • Apart from Aon and Marsh, no other broking group has a market share of more than 5%
      • Arthur J. Gallagher has achieved substantial growth through a series of acquisitions
      • USI Holdings is strongly focused on customers in the commercial lines middle market
      • Brown & Brown has enhanced its position by acquiring Arrowhead General Insurance in 2012
      • On average, commercial lines broking accounts for just over 60% of total broker revenues
    • Brokers' distribution strategies
      • Over a half of the top 80 brokers in the US have a strong regional focus and a significant number specialise in particular business sectors with construction and healthcare the most frequently-mentioned in this respect
    • None of the leading brokers have yet set up a facility for online sales of commercial insurance
    • Among broker networks, Assurex Global has the most US-based members and almost all international networks lay claim to at least one member from the US
  • Future outlook
    • Revenues from commercial lines broking will continue to grow at a modest rate in spite of a further fall in the distribution share of brokers and independent agents

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Key market data for commercial non-life insurance brokers in the US

1.0 INTRODUCTION

2.0 MARKET ANALYSIS

  • Segmentation of commercial non-life insurance gross written premiums in the US, 2012
  • Growth in commercial non-life insurance gross written premiums in the US by segment, 2008 to 2012
  • Gross written premiums for commercial non-life insurance in the US by segment, 2008 to 2012 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in the US, 2008 and 2012
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in the US, 2008 and 2012 (table)
  • Market concentration for commercial non-life insurance broking in the US, 2012
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in the US, 2012
  • Importance of different types of insurance broking for the top 80 commercial non-life insurance brokers in the US
  • Importance of different types of insurance broking for the top 80 commercial non-life insurance brokers in the US (cont.)
  • Importance of different types of insurance broking for the top 80 commercial non-life insurance brokers in the US (cont.)
  • Importance of different types of insurance broking for the top 80 commercial non-life insurance brokers in the US (cont.)
  • Partners of Assurex Global in the US
  • Partners of RiskProNet International in the US
  • Partners of UNISONBrokers in the US
  • Partners of WBN Global in the US
  • Partners of other broker networks in the US
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in the US, 2016
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in the US, 2016 (table)
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