市場調査レポート

ドイツの企業向け損害保険ブローカー

Commercial Non-Life Insurance Brokers in Germany

発行 Finaccord Ltd. 商品コード 310715
出版日 ページ情報 英文 22 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=101.39円で換算しております。
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ドイツの企業向け損害保険ブローカー Commercial Non-Life Insurance Brokers in Germany
出版日: 2014年06月01日 ページ情報: 英文 22 Pages
概要

当レポートでは、ドイツの企業向け損害保険販売におけるブローカーの重要性に注目し、はじめに同市場の全体規模、セグメンテーション、成長性などについて独自の調査データを提供し、次に個人保険や従業員福利厚生種目を除く商業損害保険のみからの収益額にしたがって絞り込んだ国内40社の有力保険ブローカーに対する綿密な直接取材に基いて、各社の仲介による市場実績のシェア数値を算定しています。

エグゼクティブサマリー

第1章 イントロダクション

  • レポートの対象市場
    • もっぱら企業向け損害保険を注視し、仲介業者が代理店業とブローカー業を兼ねている場合も、ブローカー業務以外の業績は調査対象から除外する
  • 調査事由
  • 調査方法
    • 調査プログラム
    • 市場データ分析
    • 予測方法
  • 定義
    • 保険料
    • 略語
  • PartnerBASE
  • Finaccord

第2章 市場分析

  • イントロダクション
  • 規制情報
    • ドイツのブローカー業者総数についての統計数値には諸説があるものの、信頼できる情報筋によれば2013年の時点で25,000社
    • ブローカーは通常歩合制で報酬を得るが、少数の保険アドバイザーは定額料金制を採用している
  • 企業向け損害保険市場
  • 企業向け損害保険ブローカー
    • 概要:企業向け損害保険販売におけるブローカーの存在価値
    • 企業向け損害保険ではブローカーが代理店の販売シェアを侵食中
    • 系列ブローカーもドイツ企業向け商品市場に大きな影響力を発揮
    • 独立系ブローカーの企業向け商品による2013年収益はおよそ17億3000万ユーロ相当
  • 競合業者の動向と専門化の方向性
    • ドイツの企業向け損害保険ブローカー市場は細分化競争構造
    • 企業向け損害保険市場首位ブローカーの収益シェアは10%強
    • 上位10社中のその他ブローカーは多様な資本構成を特徴とする
    • 平均的に上位40社は自社総収益のおよそ80%を企業向け商品仲介から得ている
  • ブローカーの販売戦略
    • 上位40社のうちかなりの数が保険形式や顧客層の別に専門化
  • 将来見通し
    • 仲介収益の低迷から、さらなる市場再編に向かう公算も
目次

The report titled Commercial Non-Life Insurance Brokers in Germany, plus the BrokerBASE™ and market data file that accompany it, investigate the importance of brokers in the distribution of non-life insurance for businesses in Germany. This study first provides unique data for the size, segmentation and growth of the German commercial non-life insurance market itself. It then quantifies the share of this market that is intermediated by brokers and, based on extensive primary research of all significant broking entities, it ranks the leading 40 brokers in Germany 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 2009 to 2013;
  • the share of this market distributed by brokers in 2009 and 2013;
  • the revenues generated by commercial non-life insurance business for brokers in 2009 and 2013;
  • the concentration of the market for commercial non-life insurance broking;
  • forecasts for 2017 for the value of commercial non-life insurance premiums, brokers' share of this market and their revenues from commercial non-life insurance business.

Moreover, the study can be used in one or more of the following ways:

  • to quantify the size and dynamism of the broker market for commercial non-life insurance in Germany;
  • 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 brokers' share of distribution;
  • 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 Germany through its market concentration, the importance of international brokers, and brokers' distribution strategies;
  • to identify the leading brokers in Germany, with coverage of competitors such as Aon Deutschland, Ecclesia Gruppe, Funk Gruppe, Marsh and Willis.

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
  • Forecasting methodology
  • Definitions
  • Premiums
  • Abbreviations
  • BrokerBASE
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Regulatory information
  • There are conflicting statistics concerning the total number of broking entities in Germany...
  • ... albeit one authoritative source put it at 25,000 in 2013 (excluding single-tied and multi-tied agents)
  • Brokers are usually paid by commission while a small number of insurance advisers earn fees
  • The Verband Deutscher Versicherungsmakler lays claim to over 600 member firms
  • Commercial non-life insurance market
  • Between 2009 and 2013 there was gentle growth in commercial lines gross written premiums...
  • ... with commercial motor insurance increasing in value most rapidly
  • Commercial non-life insurance brokers
  • Overview of brokers' presence in the distribution of commercial non-life insurance
  • In commercial non-life insurance, brokers are gradually eroding the distribution share of agents...
  • ... although the position of both is being complicated by the development of online trading platforms
  • Captive brokers also exert an important influence on commercial lines distribution in Germany
  • The revenues from commercial lines of non-captive brokers were worth around EUR 1.73 billion in 2013
  • Competitor trends and specialisms
  • Commercial non-life insurance broking in Germany features a fragmented competitive structure...
  • ... with only the market leader claiming a market share of commercial broking revenues in excess of 10%
  • Other brokers ranked in the top ten are characterised by a diverse range of ownership structures...
  • ... with Martens & Prahl and Artus Gruppe configured almost in the manner of broking networks
  • On average, the top 40 entities derive about 80% of their revenue from commercial lines broking
  • Brokers' distribution strategies
  • A significant number of the top 40 brokers specialise by insurance type and / or client sector
  • Both Trust Risk Control and UNISONBrokers lay claim to over 50 broking members in Germany
  • Future outlook
  • Weak growth in broking revenues seems likely to bring about further consolidation in the market

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

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

1.0 INTRODUCTION

2.0 MARKET ANALYSIS

  • Segmentation of commercial non-life insurance gross written premiums in Germany, 2013
  • Growth in commercial non-life insurance gross written premiums in Germany by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in Germany by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Germany, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Germany, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in Germany, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Germany, 2013
  • Importance of different types of insurance broking for the top 40 commercial non-life insurance brokers in Germany
  • Importance of different types of insurance broking for the top 40 commercial non-life insurance brokers in Germany (continued)
  • Partners of broker networks in Germany, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Germany, 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Germany, 2017 (table)
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