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欧州における事業者向け損害保険ブローカー

Commercial Non-Life Insurance Brokers in Europe

発行 Finaccord Ltd. 商品コード 315586
出版日 ページ情報 英文 318 Pages
納期: 即日から翌営業日
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欧州における事業者向け損害保険ブローカー Commercial Non-Life Insurance Brokers in Europe
出版日: 2016年08月01日 ページ情報: 英文 318 Pages
概要

当レポートでは、欧州の20カ国における事業者向け損害保険市場の動向と仲介ブローカーの重要性について調査し、各国の関連法規制環境、事業者向け損害保険市場の規模(総計上収入保険料の推移)、ブローカーの市場シェアの推移と予測、主要ブローカーの動向および戦略などをまとめています。

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 欧州市場の概要

  • 法規制に関する情報
  • 事業者向け損害保険市場
  • 事業者向け損害保険ブローカー

第3-22章 国別市場

  • オーストリア
  • ベルギー
  • チェコ共和国
  • デンマーク
  • フィンランド
  • フランス
  • ドイツ
  • アイルランド
  • イタリア
  • オランダ
  • ノルウェー
  • ポーランド
  • ポルトガル
  • ルーマニア
  • ロシア
  • スペイン
  • スウェーデン
  • スイス
  • トルコ
  • 英国
    • イントロダクション
    • 法規制に関する情報
    • 事業者向け損害保険市場
    • 事業者向け損害保険ブローカー
      • 販売経路におけるブローカーのプレゼンス
      • 競合事業者の動向・専門性
      • 主要ブローカーの販売戦略
      • 将来の展望

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目次

Finaccord's report titled Commercial Non-Life Insurance Brokers in Europe, plus the BrokerBASE™ and market data annexe that accompany it, investigate the importance of brokers in the distribution of non-life (P&C) insurance for business, public sector and not-for-profit customers in 20 countries in Europe. Brokers are the most important single distribution channel in this sector, and Finaccord's research indicates that fees and commissions earned by brokers from commercial lines insurance in Europe were worth EUR 11.61 billion in 2015. Moreover, brokers are increasing their share of this market in many countries, often at the expense of tied agents, and in most cases are expected to continue growing their overall share in future.

This report first provides unique data for the size, segmentation and growth of the commercial non-life insurance market itself in each of the 20 countries in scope, namely Austria, Belgium, the Czech Republic, Denmark, Finland, France, Germany, Ireland, Italy, the Netherlands, Norway, Poland, Portugal, Romania, Russia, Spain, Sweden, Switzerland, Turkey and the UK. It then quantifies the share of this market that is intermediated by brokers and ranks the leading brokers in each country according to their revenues from commercial non-life insurance in 2015, excluding income from other activities. This analysis is based on an investigation covering 545 brokers in Europe, making it the most detailed and comprehensive study of this market ever published.

This report can be used in one or more of the following ways:

  • to evaluate the commercial lines broking market across 20 countries in Europe by means of a study that employs a uniform and standardised methodology to guarantee comparability;
  • to quantify the value of this market and how revenues from it in each country break down between micro, small, medium, large and very large entities;
  • to understand the competitive landscape in each country as defined by its market concentration, the position of international brokers and the members of international broker networks;
  • to identify the leading brokers in each country or across the European region as a whole, with coverage of competitors such as Arthur J. Gallagher, Ecclesia Gruppe, Filhet-Allard, Funk Gruppe, GrECo International, Howden Broking Group, JLT, Lockton, and Verspieren, as well as Aon, Marsh & McLennan Companies and Willis Towers Watson;
  • to gain insight into the likely future trajectory of the commercial lines broking market up to 2019 including its forecast value and the predicted distribution share of brokers in commercial non-life insurance that will generate that value.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Europe's commercial non-life insurance market was worth over EUR 130 billion in premiums in 2015.
  • and increased in real terms in ten countries between 2011 and 2015
  • Brokers constitute the most important distribution channel for commercial lines in most markets
  • More than a quarter of the EUR 11.61 billion commercial non-life broking market is derived from the UK
  • Between 2011 and 2015 brokers' revenues grew more rapidly in Turkey than in any other country
  • The top three broking groups hold a combined market share of just over 30% across the region
  • Brokers are expected to increase their commercial lines distribution share in 16 out of 20 countries...
  • ... which will mean that the associated broking market will rise, even stated in real terms, in 18 countries

1.0 INTRODUCTION

  • What is this report about?
    • The focus is uniquely on commercial non-life (P&C) insurance, excluding other types of business
    • and on brokerage, even where intermediaries can act as both agents and brokers
  • Rationale
    • In many countries, brokers constitute the most important distribution channel for commercial lines
  • Methodology
    • Research program
    • Market data analysis
  • Definitions
    • Premiums
    • Size of insured entity
    • Abbreviations
  • BrokerBASE
  • Finaccord

2.0 EUROPEAN OVERVIEW

  • Commercial non-life insurance market
    • The European commercial non-life insurance achieved modest growth between 2011 and 2015
    • Germany, France and the UK account for more than a half of commercial lines premiums in Europe
    • Turkey and Russia registered the sharpest growth rates in nominal terms
    • After taking inflation into account, ten markets contracted in real terms.
    • Property, motor and liability insurance account for more than three quarters of the market
    • Across Europe as a whole, commercial motor insurance grew most rapidly between 2011 and 2015
    • Across the 20 countries, around EUR 32.8 billion of premiums are paid by micro-sized clients...
    • ... which generate the highest proportion of total commercia lines premiums in Italy
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers distribute more than 60% of commercial lines business in Europe...
      • ... and are most important as distributors of commercial non-life insurance in Ireland and the UK...
      • Brokers' distribution share increased in 16 of the 20 countries between 2011 and 2015.
      • UK, France, and Germany are Europe's largest markets in terms of commercial lines broking revenues
      • These revenues increased in real terms between 2011 and 2015 in 14 of the 20 countries in scope
      • The largest clients generate just under 30% of total commercial lines broking revenues in the 20 countries...
      • ... and over a half of the total in Russia but less than 20% in Italy
    • Market concentration
      • Germany and Spain feature Europe's least concentrated markets for commercial lines broking
      • The top three broking groups account for just over 30% of commercial lines broking revenues...
      • ... and they are nearly always ranked among the top ten brokers in any given country
    • Future outlook
      • The future direction of commercial lines broking revenues is dependent on a number of factors...
      • ... which point to the Turkish market as being the one that will generate the most real growth...
      • ... albeit all but two of the 20 markets should experience growth in real terms from 2015 to 2019
      • By 2019, the commercial lines broking market in Europe is likely to be worth around EUR 12.73 billion

3.0 AUSTRIA

  • Introduction
  • Regulatory information
    • Several professional associations exist for insurance brokers and agents in Austria...
      • ... the largest of which has around 1,000 members
  • Commercial non-life insurance market
    • Commercial non-life insurance premiums in Austria have risen consistently in recent years...
      • ... both in terms of year-on-year progress and growth across each of the main segments
    • Medium-sized customers account for the highest proportion of commercial lines premiums
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers' distribution share in commercial non-life insurance has edged up since 2011
      • More than a quarter of commercial lines broking revenues are attributable to one customer segment
    • Competitor trends
      • The top ten competitors account for nearly 60% of commercial lines broking revenues
      • with GrECo International retaining its leading position in this market
      • Aon is ranked second but other international brokers are less prominent
      • The increasing concentration in this market has been caused in part by merger and acquisition activity
      • If counted together, brokerages owned by Raiffeisen banks would be ranked third
      • Commercial lines broking is the principal income generator for all of the top 30 brokers...
      • ... with several deriving over 95% of their revenues from this activity
    • International broker networks
      • A number of brokers ranked outside of the top 30 are members of international networks
    • Future outlook
      • Modest growth is forecast for the Austrian commercial lines broking market up to 2019

4.0 BELGIUM

  • Introduction
  • Regulatory information
    • The number of registered insurance intermediaries has more than halved in recent years...
    • ... although brokers continue to play a key role in commercial lines distribution
  • Commercial non-life insurance market
    • Commercial non-life insurance premiums in Belgium have been growing at a consistent rate...
    • ... with those for the residual category of other commercial insurance having risen most rapidly
    • Customers in the micro segment account for over 30% of total commercial lines premiums
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The distribution share of brokers in commercial lines may have reduced very slightly since 2011
      • Customers in the micro segment also generate a significant proportion of broking revenues
    • Competitor trends
      • The three leading commercial lines brokers in Belgium are far ahead of the fourth-ranked competitor
      • ... with Marsh having boosted its position through the acquisition of Trade Insure in 2015
      • Van Dessel has relinquished control of Bokiau to Alliance Participations
      • For only one broker in the top 25 is commercial non-life insurance not the principal source of income...
      • ... and for two of them it is the only activity from which they generate revenues
    • International broker networks
      • Belgibo, Induver, Van Dessel and Vanbreda Risk & Benefits each belong to more than one network
    • Future outlook
      • The commercial lines broking market will deliver further steady growth up to 2019

5.0 CZECH REPUBLIC

  • Introduction
  • Regulatory information
    • Intermediaries can act simultaneously as both agents and brokers
  • Commercial non-life insurance market
    • In real terms, commercial non-life insurance premiums in the Czech Republic have stagnated
    • Premiums split quite evenly across the five categories of insured entity as defined by their size
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The distribution share of brokers in commercial lines is likely to have increased since 2011
      • Almost a quarter of commercial lines broking revenues are attributable to the largest client segment
    • Competitor trends
      • The acquisition of Insia by Marsh & McLennan Companies has caused the market to consolidate
      • RENOMIA is active in several overseas markets as well as the Czech Republic
      • Two of the top 20 brokers generate all of their revenues from commercial non-life insurance
    • International broker networks
      • MAI Insurance Brokers and RENOMIA are both affiliated to five networks
    • Future outlook
      • The value of the commercial lines broking market is likely to continue growing at a reasonable rate

6.0 DENMARK

  • Introduction
  • Regulatory information
    • In the vast majority of cases, brokers must be remunerated through fees, not commissions
  • Commercial non-life insurance market
    • The Danish market for commercial non-life insurance has struggled to grow in recent years...
    • ...with premiums for commercial liability insurance having fallen back most rapidly
    • Insured entities in the micro segment generate nearly one quarter of premiums in this market
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers are likely to have increased their distribution share of commercial lines premiums since 2011
      • The micro segment contributes much less to brokers' revenues than to commercial lines premiums
    • Competitor trends
      • The structure of the Danish commercial lines broking market changed little between 2011 and 2015
      • Willis Towers Watson is comfortably ahead of its closest competitor
      • Commercial lines broking is the most important source of revenue for nine of the top ten brokers
    • International broker networks
      • Söderberg & Partners Denmark is affiliated to eight different international networks
    • Future outlook
      • Revenue growth in the commercial lines broking market will be derived from a combination of factors

7.0 FINLAND

  • Introduction
  • Regulatory information
    • As in some other countries, regulations dictate that brokers are paid through fees, not commissions
  • Commercial non-life insurance market
    • The Finnish market for commercial non-life insurance was worth over EUR 2 billion in 2015...
    • ... having grown at a fairly consistent rate since 2011
    • Premiums split quite evenly across five categories of insured entity as defined by their size
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • While slowly rising, the distribution share of Finnish brokers in commercial non-life insurance remains low...
      • ... and close to a half of their revenues from this activity is due to the largest client category
    • Competitor trends
      • The Finnish commercial lines broking market is a very concentrated one...
      • ... in which several significant acquisitions have taken place in recent years
      • Commercial lines broking is the most important source of revenue for all ten of the leading brokers
    • International broker networks
      • Five of the 15 international networks investigated lack a Finland-based member
    • Future outlook
      • Between 2015 and 2019, the commercial lines broking market will grow in value by more than a third

8.0 FRANCE

  • Introduction
  • Regulatory information
    • The number of brokers in France is increasing while the number of agents is in decline
  • Commercial non-life insurance market
    • Commercial non-life insurance premiums in France have stagnated in recent years...
    • ... with only commercial motor insurance growing in real terms
    • One customer segment (as defined by number of employees) accounts for almost 30% of premiums
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers have been successful in increasing their distribution share of commercial lines
      • Over a third of commercial broking revenues are attributable to the segment of very large clients
    • Competitor trends
      • The concentration of the French commercial lines broking market has altered little in recent years...
      • ... in spite of Willis Towers Watson taking control of Gras Savoye
      • Ardian has bought a majority stake in Siaci Saint-Honoré
      • Finaxy Group has been the most acquisitive of the larger brokers in France
      • Several brokers generate all of their revenues from commercial non-life insurance...
      • ... but others have a more diverse business mix
    • International broker networks
      • Diot belongs to the most international broker networks
    • Future outlook
      • The French commercial lines broking market should continue to grow at a modest rate up to 2019

9.0 GERMANY

  • Introduction
  • Regulatory information
    • There is a clear, long-term trend for an increasing number of insurance brokers in Germany...
    • ... and a declining number of insurance agents...
    • ... albeit some 'brokers' act more in the manner of multi-tied agents
    • Captive brokers owned by large industrial companies are an important feature of the German market
    • The Verband Deutscher Versicherungsmakler lays claim to over 600 member firms
  • Commercial non-life insurance market
    • Commercial non-life insurance premiums in Germany have been growing consistently...
    • ... with those for commercial motor insurance having risen most rapidly
    • Premiums split quite evenly across the five categories of insured entity as defined by their size
  • 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...
      • ... and are being helped by the introduction of more modern processes, such as e-trading solutions
      • Over one third of commercial lines broking revenues are attributable to the largest client segment
    • Competitor trends
      • Commercial non-life insurance broking in Germany still features a fragmented competitive structure
      • with only the market leader claiming a market share of commercial lines revenues in excess of 10%
      • Other brokers ranked in the top ten are characterised by a diverse range of ownership structures
      • The merger of MRH Group with Trowe will propel the combined entity further up the ranking of brokers
      • For a majority of the top 70 competitors, commercial lines broking is their most important activity...
      • ... although several of the largest entities derive very substantial revenues from employee benefits
      • Several of the top 70 brokers in Germany specialise in particular sectors or product segments
    • International broker networks
      • Both Trust Risk Control and unisonBrokers lay claim to multiple broking members in Germany
    • Future outlook
      • The commercial lines broking market is on track to be worth EUR 2 billion in revenues by 2019

10.0 IRELAND

  • Introduction
  • Regulatory information
    • Over 450 companies belong to the main association of insurance brokers in Ireland...
    • ... collectively providing employment to over 5,500 individuals
  • Commercial non-life insurance market
    • Three main segments account for close to 95% of the Irish commercial lines market...
    • ... and these are also the areas of the market that have delivered growth in recent years
    • Premiums distribute quite evenly across five categories as defined by client size
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers remain almost entirely dominant as a distribution channel for commercial non-life insurance...
      • ... helping to generate a commercial lines broking market worth more than EUR 150 million in 2015
    • Competitor trends
      • The combined share of the top three brokers dropped back slightly between 2011 and 2015...
      • ... as several of their competitors ranked from fourth to tenth have been growing more rapidly
      • Among indigenous brokers, Arachas and Campion are the most significant in commercial lines
      • For a majority of the top 20 competitors, commercial lines broking is their most important activity
    • International broker networks
      • Several brokers belong to more than one international broker network
    • Future outlook
      • Stronger growth is forecast for the broking market from 2015 to 2019 than occurred from 2011 to 2015

11.0 ITALY

  • Introduction
  • Regulatory information
    • There are around 1,600 broking firms among almost 24,000 businesses active in insurance intermediation
    • AIBA has amassed around 1,100 broking firms as members
    • and has reached an agreement with the SNA concerning collaboration between brokers and agents
  • Commercial non-life insurance market
    • The value of the Italian commercial lines market fell by more than EUR 1 billion between 2011 and 2015...
    • ... and only one segment experienced growth, even when expressed in nominal terms
    • Clients in the micro segment account for the highest proportion of commercial lines premiums
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers constitute the dominant distribution channel for commercial non-life insurance in Italy...
      • ... although a lot of business that they generate arrives at underwriters via agents
      • Almost a half of commercial lines broking revenues is due to customers in the micro and small categories
    • Competitor trends
      • Two multinational firms dominate Italy's commercial lines broking market...
      • ... with Gruppo Assiteca overtaking Ital Brokers to occupy third position
      • Lockton acquired P.L. Ferrari, a specialist P&I and marine insurance broker, in December 2015
      • Commercial lines broking is the most important activity for all but one of the top 50 brokers in Italy...
      • ... and for three of them it is their only source of income
    • International broker networks
      • Seven firms ranked outside of the top 50 are members of international broker networks
    • Future outlook
      • Modest growth is forecast for the Italian commercial lines broking market up to 2019

12.0 NETHERLANDS

  • Introduction
  • Regulatory information
    • Intermediaries in the Netherlands can act both as agents and brokers depending on the line of business
    • Regulations concerning commission payments and disclosure requirements have had an impact
  • Commercial non-life insurance market
    • Commercial non-life insurance premiums in the Netherlands have stagnated in recent years...
    • ... with significant growth having occurred only in the category of commercial liability insurance
    • Medium-sized customers account for the highest proportion of commercial lines premiums
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers' distribution share in commercial non-life insurance has changed little since 2011
      • Almost 30% of commercial lines broking revenues are attributable to one customer segment
    • Competitor trends
      • The top three competitors account for over a half of commercial lines broking revenues...
      • with Aon more than double the size of its rivals ranked in second and third position
      • AEGON is the owner of three brokers ranked in the top 20 in the Netherlands
      • Dutch brokers typically maintain a comparatively balanced portfolio of activity...
      • ... with almost all active in personal lines and employee benefits as well as in commercial lines
    • International broker networks
      • A number of brokers ranked outside of the top 30 are members of international networks
    • Future outlook
      • Modest growth is forecast for the Dutch commercial lines broking market up to 2019

13.0 NORWAY

  • Introduction
  • Regulatory information
    • There are over 60 registered insurance brokerages active in Norway
    • In most cases, brokers are remunerated through fees rather than commissions
  • Commercial non-life insurance market
    • Commercial lines premiums in Norway grew in each year from 2011 to 2015...
    • ... although growth was weakest in the largest segment, namely MAT insurance
    • One segment accounts for over a quarter of commercial non-life insurance premiums
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The value of the commercial lines broking market moved up at a modest rate from 2011 to 2015...
      • ... with over 60% of this sector due to two client segments, as defined by their size
    • Competitor trends
      • Between 2011 and 2015, Norway's broking market became more concentrated...
      • ... and it is led by Aon and Willis Towers Watson
      • For only one of the top 15 brokers is commercial lines broking not the main source of revenues...
      • ... and for two of them it is their only activity
    • International broker networks
      • Norwegian Broker and Quality Broker both belong to more than one international network
    • Future outlook
      • The distribution share of Norwegian brokers is likely to have edged up further by 2019

14.0 POLAND

  • Introduction
  • Regulatory information
    • The number of insurance intermediaries in Poland has increased quite substantially in recent years
  • Commercial non-life insurance market
    • The Polish market for commercial non-life insurance has stagnated since 2013...
    • ... albeit growth has been strong for certain classes of business
    • Insured entities in the micro segment generate a significant proportion of premiums in this market
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The distribution share of brokers in commercial non-life insurance edged up between 2011 and 2015
      • Smaller entities account for a much lower share of commercial lines broking revenues than premiums
    • Competitor trends
      • The Polish commercial lines broking market remains a fairly fragmented one...
      • ... with the two leaders accounting for only around 20% of revenues in it
      • MAK and Nord Partner are the most prominent indigenous brokers
      • Most of the leading brokers derive a majority of their revenues from commercial non-life insurance
    • International broker networks
      • MAI Insurance Brokers and Mentor have been most active in affiliating themselves to broker networks
    • Future outlook
      • Relatively strong growth is predicted up to 2019 for the Polish commercial lines broking market

15.0 PORTUGAL

  • Introduction
  • Regulatory information
    • Agents and tied intermediaries continue to limit growth prospects for brokers...
  • Commercial non-life insurance market
    • ... and it is also the case that the underlying commercial lines insurance market has been contracting...
    • ... most notably for the main liability, motor and property segments
    • Micro entities generate around 30% of commercial non-life insurance premiums in Portugal
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The distribution share of brokers in commercial lines has declined slightly since 2011
      • Almost 30% of commercial lines broking revenues are attributable to the largest client segment
    • Competitor trends
      • The growth of MDS is one factor that is causing the broking market to become more concentrated...
      • as it successfully diversifies away from its captive broking origins
      • For a majority of the top 15 competitors, commercial lines broking is their most important activity
    • International broker networks
      • Costa Duarte, F. Rego and Villas-Boas each belong to three international broker networks
    • Future outlook
      • The commercial lines broking market is unlikely to have expanded much by 2019

16.0 ROMANIA

  • Introduction
  • Regulatory information
    • Romanian brokers derive the vast majority of their revenues from commissions rather than fees
  • Commercial non-life insurance market
    • In real terms, the value of the Romanian commercial lines market has diminished in recent years...
    • ... albeit commercial motor insurance premiums have risen
    • The five categories of insured entity as defined by size generate roughly equal shares of premiums
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The distribution share of brokers in commercial lines has increased sharply since 2011...
      • ... albeit over 30% of broking revenues are still likely to be due to the largest entities
    • Competitor trends
      • Destine is the market leader ahead of several multinational or non-indigenous competitors
      • RENOMIA entered the Romanian market in 2015 following its acquisition of SRBA
      • Most of the top 15 firms derive the bulk of their income from a combination of commercial and personal lines
    • International broker networks
      • MAI Insurance Brokers and RENOMIA adhere to the most networks
    • Future outlook
      • The outlook for Romania's commercial lines broking market is a relatively positive one

17.0 RUSSIA

  • Introduction
  • Regulatory information
    • The Central Bank of Russia assumed supervisory authority over the insurance sector in 2013
    • The number of registered brokers has decreased somewhat in recent years...
    • ... albeit the distinction between multi-tied agents and brokers has not always been clear
  • Commercial non-life insurance market
    • In real terms, the Russian commercial lines market has contracted in recent years...
    • ... with the decline having been most acute in the commercial MAT and property segments
    • Over a half of premiums are due to clients that are defined as large or very large
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers represent a growing channel for commercial non-life insurance in Russia...
      • ... and they focus mainly on serving larger entities
    • Competitor trends
      • The broking market is likely to have become slightly less concentrated in recent years
      • ICM and Malakut are identifiable as their most prominent indigenous competitors
      • Four brokers generate around 90% of their total revenues from commercial lines broking
    • International broker networks
      • MAI Insurance Brokers and Malakut have signed up as members to the most networks.
    • Future outlook
      • The value of Russia's commercial lines broking market is likely to continue rising up to 2019

18.0 SPAIN

  • Introduction
  • Regulatory information
    • There are over 3,000 registered insurance brokerages in Spain...
    • ... and the number has not fallen in spite of a declining commercial lines market.
  • Commercial non-life insurance market
    • The Spanish market for commercial non-life insurance reached a five-year low in 2014...
    • ... before picking up somewhat in 2015
    • The micro segment generates a significant proportion of total commercial lines premiums in Spain
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The value of commercial non-life insurance broking revenues has fallen back in recent years
      • One segment (as measured by client size) accounts for just under 30% of these revenues
    • Competitor trends
      • The structure of the Spanish commercial lines broking market has changed little since 2011...
      • ... as it remains quite fragmented, especially beyond the top three competitors
      • Commercial non-life insurance broking is the main source of revenue for most of the top 30 brokers
      • although some derive significant income from other activities
    • International broker networks
      • A number of brokers outside of the top 30 in Spain are members of international networks
    • Future outlook
      • A modest improvement in the market for commercial lines broking is expected by 2019

19.0 SWEDEN

  • Introduction
  • Regulatory information
    • There are over 1,000 registered insurance intermediary firms active in Sweden
  • Commercial non-life insurance market
    • The Swedish market for commercial non-life insurance grew modestly between 2011 and 2015...
    • ...with premiums moving up in value across all classes
    • Around 68.5% of total premiums are paid by entities in the micro, small and medium segments
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The distribution share of brokers in commercial lines rose quite significantly between 2011 and 2015...
      • ... and most of their revenues from this activity derive from entities in the large and very large segments
    • Competitor trends
      • Acquisitions made by Söderberg & Partners have caused the market to consolidate somewhat...
      • ... and have also propelled this firm to a market-leading position in commercial lines...
      • ... even though it derives a majority of its revenues from intermediating other types of insurance
    • International broker networks
      • Söderberg & Partners has affiliated itself to six international networks
    • Future outlook
      • In real terms, the broking market is destined to rise at a compound annual rate of 3.0% up to 2019.

20.0 SWITZERLAND

  • Introduction
  • Regulatory information
    • The number of registered intermediaries has increased by almost 900 in a little over two years
  • Commercial non-life insurance market
    • Commercial non-life insurance premiums in Switzerland have been broadly stable...
    • ... with the best growth achieved in the residual basket of 'other' commercial insurance
    • Premiums are concentrated most heavily in the micro and medium client segments
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The distribution share of brokers is likely to have risen quite significantly between 2011 and 2015
    • Competitor trends
      • Kessler & Co continues to lead the Swiss commercial lines broking market, followed by Aon
      • Formed in March 2014, Swiss Risk & Care is now a significant force (especially in French-speaking cantons)
      • Other indigenous broking firms somewhat limit the presence of international brokers...
      • ... albeit Willis Towers Watson has strengthened its presence through the absorption of Gras Savoye
      • The merger of Swissbroke Group with Fraumünster Insurance Experts signals further consolidation
      • Two of the top 30 brokers generate all of their income from commercial non-life insurance
    • International broker networks
      • Three international networks lack Switzerland-based members
    • Future outlook
      • The commercial lines broking market is likely to have risen further in value by 2019

21.0 TURKEY

  • Introduction
  • Regulatory information
    • Turkey's professional association for brokers has well over 100 members
  • Commercial non-life insurance market
    • The Turkish commercial lines market has boomed in recent years...
    • ... with growth achieved in real terms across all categories
    • Almost 40% of premiums are due to clients that are defined as 'large' or 'very large'
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Turkey's market for commercial lines broking appears to be expanding rapidly...
      • ... and most business is secured from larger entities.
    • Competitor trends
      • Marsh & McLennan Companies, Aon and April Genç are the market leaders...
      • ... although the brokers ranked from fifth to 15th are all indigenous ones
      • 13 of the top 15 brokers derive most of their revenues from commercial insurance
    • International broker networks
      • Only one international network lacks a Turkey-based member
    • Future outlook
      • A real compound annual growth rate of over 10% is forecast for the broking market up to 2019

22.0 UK

  • Introduction
  • Regulatory information
    • Close to 2,000 firms belong to the main association for insurance brokers in the UK
  • Commercial non-life insurance market
    • Commercial non-life insurance premiums contracted by over GBP 1 billion between 2011 and 2015...
    • ... with only commercial property and miscellaneous other commercial business showing any growth
    • Larger clients account for a comparatively high proportion of commercial lines premiums paid in the UK
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The distribution share of brokers in the UK commercial lines market has remained stable in recent years
      • Over a quarter of commercial lines broking revenues are due to the largest client segment
    • Competitor trends
      • The UK's commercial non-life insurance broking market has become significantly more concentrated...
      • ... and is now led by Arthur J. Gallagher in the wake of its many acquisitions...
      • followed by Aon
      • Acquisitions have also bolstered the share of Marsh & McLennan Companies and Willis Towers Watson...
      • ... with Towergate Partnership pushed back into fifth position
      • Beyond the top five, no broker holds a share of more than 5% of total commercial lines broking revenues
      • After buying RKH Group, Hyperion Group has risen to tenth place in the ranking
      • For a number of the top 60 brokers, commercial lines is not their main source of revenues
    • International broker networks
      • A number of smaller firms outside of the top 60 belong to international broker networks...
      • ... and the UK market is also characterised by the presence of at least seven domestic networks
    • Future outlook
      • Very modest growth is predicted up to 2019 for the value of the UK commercial lines broking market

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Germany hosts the largest commercial non-life insurance market in Europe
  • Premium growth was fastest in Turkey and Finland in real terms between 2011 and 2015
  • The distribution share of brokers in commercial non-life insurance varies significantly across the 20 countries
  • France and the UK combined account for just under a half of the value of commercial lines broking revenues across the 20 countries
  • Aon, Marsh & McLennan Companies and Willis Towers Watson account together for more than 30% of commercial lines broking revenues across the 20 countries in scope
  • Revenues from commercial lines broking are predicted to grow in real terms in 18 of the 20 countries between 2015 and 2019

1.0 INTRODUCTION

2.0 EUROPEAN OVERVIEW

  • Commercial non-life insurance gross written premiums in Europe, 2011 to 2015
  • Commercial non-life insurance gross written premiums in Europe segmented by country, 2015
  • Compound annual growth rates for commercial non-life insurance gross written premiums in Europe, in nominal values segmented by country, 2011 to 2015
  • Compound annual growth rates for commercial non-life insurance gross written premiums in Europe, in real values segmented by country, 2011 to 2015
  • Commercial non-life insurance gross written premiums in Europe segmented by country, 2011 to 2015 (table)
  • Commercial non-life insurance gross written premiums in Europe segmented by line of business, 2015
  • Compound annual growth rates in commercial non-life insurance gross written premiums in Europe, in nominal values segmented by line of business, 2011 to 2015
  • Commercial non-life insurance gross written premiums in Europe segmented by line of business, 2011 to 2015 (table)
  • Commercial non-life insurance gross written premiums in Europe segmented by line of business and by country, 2015 (table)
  • Commercial non-life insurance gross written premiums in Europe segmented between micro, small, medium, large and very large entities and by country, 2015
  • Commercial non-life insurance gross written premiums in Europe segmented between micro, small, medium, large and very large entities and by country, 2015 (table).
  • Brokers' distribution share of commercial non-life insurance gross written premiums in Europe segmented by country, 2011 and 2015
  • Brokers' distribution share of commercial non-life insurance gross written premiums in Europe segmented by country, 2011 and 2015 (table)
  • Brokers' revenues from commercial non-life insurance in Europe segmented by country, 2015
  • Real compound annual growth rates for brokers' revenues from commercial non-life insurance in Europe segmented by country, 2011 to 2015.
  • Brokers' revenues from commercial non-life insurance in Europe segmented by country, 2011 and 2015 (table)
  • Commercial non-life insurance broking revenues in Europe segmented between micro, small, medium, large and very large entities and by country, 2015
  • Commercial non-life insurance broking revenues in Europe segmented between micro, small, medium, large and very large entities and by country, 2015 (table)
  • Market concentration as measured by market share of top three and top ten commercial non-life insurance brokers in Europe segmented by country, 2015 segmented by country, 2013
  • Market concentration as measured by market share of the top three and top ten commercial non-life insurance brokers in Europe segmented by country, 2015 (table)
  • Share of commercial non-life insurance broking revenues in Europe of Aon, Marsh & McLennan Companies and Willis Towers Watson, 2015
  • Revenues, number of first-place rankings and number of top-ten rankings in Europe of Aon, Marsh & McLennan Companies and Willis Towers Watson, 2015 (table)
  • Forecast change in commercial non-life insurance gross written premiums, brokers' share of these premiums and brokers' revenue from commercial non-life insurance in Europe in real terms segmented by country, 2015 to 2019 (forecast)
  • Forecast change in commercial non-life insurance gross written premiums, brokers' share of these premiums and brokers' revenue from commercial non-life insurance in Europe in real terms segmented by country, 2015 to 2019 (forecast) (table)
  • Brokers' revenues from commercial non-life insurance in Europe segmented by country, 2015 and 2019 (forecast)
  • Brokers' revenues from commercial non-life insurance in Europe segmented by country, 2015 and 2019 (forecast) (table)

3.0 AUSTRIA

  • Segmentation of commercial non-life insurance gross written premiums in Austria by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Austria segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Austria by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Austria between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Austria between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Austria, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Austria, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Austria between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Austria between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Austria, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Austria, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 30 commercial non-life insurance brokers in Austria, 2015
  • Partners of international broker networks in Austria, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Austria, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Austria, 2019 (forecast) (table)

4.0 BELGIUM

  • Segmentation of commercial non-life insurance gross written premiums in Belgium by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Belgium segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Belgium by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Belgium between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Belgium between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Belgium, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Belgium, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Belgium between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Belgium between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Belgium, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Belgium, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 25 commercial non-life insurance brokers in Belgium, 2015
  • Partners of international broker networks in Belgium, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Belgium, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Belgium, 2019 (forecast) (table)

5.0 CZECH REPUBLIC

  • Segmentation of commercial non-life insurance gross written premiums in the Czech Republic by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in the Czech Republic segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in the Czech Republic by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in the Czech Republic between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in the Czech Republic between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the Czech Republic, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the Czech Republic, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in the Czech Republic between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in the Czech Republic between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in the Czech Republic, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in the Czech Republic, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 20 commercial non-life insurance brokers in the Czech Republic, 2015
  • Partners of international broker networks in the Czech Republic, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the Czech Republic, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the Czech Republic, 2019 (forecast) (table)

6.0 DENMARK

  • Segmentation of commercial non-life insurance gross written premiums in Denmark by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Denmark segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Denmark by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Denmark between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Denmark between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Denmark, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Denmark, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Denmark between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Denmark between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Denmark, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Denmark, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top ten commercial non-life insurance brokers in Denmark, 2015
  • Partners of international broker networks in Denmark, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Denmark, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Denmark, 2019 (forecast) (table)

7.0 FINLAND

  • Segmentation of commercial non-life insurance gross written premiums in Finland by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Finland segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Finland by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Finland between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Finland between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Finland, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Finland, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Finland between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Finland between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Finland, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Finland, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top ten commercial non-life insurance brokers in Finland, 2015
  • Partners of international broker networks in Finland, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Finland, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Finland, 2019 (forecast) (table)

8.0 FRANCE

  • Segmentation of commercial non-life insurance gross written premiums in France by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in France segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in France by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in France between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in France between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in France, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in France, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in France between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in France between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in France, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in France, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 50 commercial non-life insurance brokers in France, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 50 commercial non-life insurance brokers in France, 2015 (continued)
  • Partners of international broker networks in France, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in France, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in France, 2019 (forecast) (table)

9.0 GERMANY

  • Segmentation of commercial non-life insurance gross written premiums in Germany by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Germany segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Germany by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Germany between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Germany between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Germany, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Germany, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Germany between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Germany between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Germany, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Germany, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 70 commercial non-life insurance brokers in Germany, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 70 commercial non-life insurance brokers in Germany, 2015 (continued)
  • Partners of international broker networks in Germany, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Germany, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Germany, 2019 (forecast) (table)

10.0 IRELAND

  • Segmentation of commercial non-life insurance gross written premiums in Ireland by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Ireland segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Ireland by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Ireland between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Ireland between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Ireland, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Ireland, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Ireland between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Ireland between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Ireland, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Ireland, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 20 commercial non-life insurance brokers in Ireland, 2015
  • Partners of international broker networks in Ireland, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Ireland, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Ireland, 2019 (forecast) (table)

11.0 ITALY

  • Segmentation of commercial non-life insurance gross written premiums in Italy by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Italy segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Italy by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Italy between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Italy between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Italy, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Italy, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Italy between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Italy between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Italy, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Italy, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 50 commercial non-life insurance brokers in Italy, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 50 commercial non-life insurance brokers in Italy, 2015 (continued)
  • Partners of international broker networks in Italy, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Italy, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Italy, 2019 (forecast) (table)

12.0 NETHERLANDS

  • Segmentation of commercial non-life insurance gross written premiums in the Netherlands by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in the Netherlands segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in the Netherlands by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in the Netherlands between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in the Netherlands between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the Netherlands, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the Netherlands, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in the Netherlands between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in the Netherlands between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in the Netherlands, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in the Netherlands, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 30 commercial non-life insurance brokers in the Netherlands, 2015
  • Partners of international broker networks in the Netherlands, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the Netherlands, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the Netherlands, 2019 (forecast) (table)

13.0 NORWAY

  • Segmentation of commercial non-life insurance gross written premiums in Norway by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Norway segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Norway by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Norway between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Norway between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Norway, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Norway, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Norway between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Norway between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Norway, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Norway, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 15 commercial non-life insurance brokers in Norway, 2015
  • Partners of international broker networks in Norway, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Norway, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Norway, 2019 (forecast) (table)

14.0 POLAND

  • Segmentation of commercial non-life insurance gross written premiums by line of business in Poland, 2015
  • Growth in commercial non-life insurance gross written premiums in Poland segmented by line of business, 2011 to 2015
  • Gross written premiums for commercial non-life insurance in Poland by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Poland between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Poland between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Poland, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Poland, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Poland between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Poland between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Poland, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Poland, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 25 commercial non-life insurance brokers in Poland, 2015
  • Partners of international broker networks in Poland, 2016
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Poland, 2015 and 2019 (forecast)
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Poland, 2015 and 2019 (forecast) table)

15.0 PORTUGAL

  • Segmentation of commercial non-life insurance gross written premiums in Portugal by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Portugal segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Portugal by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Portugal between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Portugal between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Portugal, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Portugal, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Portugal between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Portugal between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Portugal, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Portugal, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 15 commercial non-life insurance brokers in Portugal, 2015
  • Partners of international broker networks in Portugal, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Portugal, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Portugal, 2019 (forecast) (table)

16.0 ROMANIA

  • Segmentation of commercial non-life insurance gross written premiums in Romania by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Romania segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Romania by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Romania between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Romania between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Romania, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Romania, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Romania between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Romania between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Romania, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Romania, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 15 commercial non-life insurance brokers in Romania, 2015
  • Partners of international broker networks in Romania, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Romania, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Romania, 2019 (forecast) (table)

17.0 RUSSIA

  • Segmentation of commercial non-life insurance gross written premiums in Russia by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Russia segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Russia by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Russia between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Russia between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Russia, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Russia, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Russia between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Russia between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Russia, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Russia, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 15 commercial non-life insurance brokers in Russia, 2015
  • Partners of international broker networks in Russia, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Russia, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Russia, 2019 (forecast) (table)

18.0 SPAIN

  • Segmentation of commercial non-life insurance gross written premiums by line of business in Spain, 2015
  • Growth in commercial non-life insurance gross written premiums in Spain segmented by line of business, 2011 to 2015
  • Gross written premiums for commercial non-life insurance in Spain by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Spain between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Spain between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Spain, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Spain, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Spain between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Spain between micro, small, medium, large and very large entities, 2015 (table)
  • Market concentration for commercial non-life insurance broking in Spain, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Spain, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 30 commercial non-life insurance brokers in Spain, 2015
  • Partners of international broker networks in Spain, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Spain, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Spain, 2019 (forecast) (table)

19.0 SWEDEN

  • Segmentation of commercial non-life insurance gross written premiums in Sweden by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Sweden segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Sweden by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Sweden between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Sweden between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Sweden, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Sweden, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Sweden between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Sweden between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Sweden, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Sweden, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top ten commercial non-life insurance brokers in Sweden, 2015
  • Partners of international broker networks in Sweden, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Sweden, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Sweden, 2019 (forecast) (table)

20.0 SWITZERLAND

  • Segmentation of commercial non-life insurance gross written premiums in Switzerland by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Switzerland segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Switzerland by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Switzerland between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Switzerland between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Switzerland, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Switzerland, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Switzerland between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Switzerland between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Switzerland, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Switzerland, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 30 commercial non-life insurance brokers in Switzerland, 2015
  • Partners of international broker networks in Switzerland, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Switzerland, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Switzerland, 2019 (forecast) (table)

21.0 TURKEY

  • Segmentation of commercial non-life insurance gross written premiums in Turkey by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in Turkey segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in Turkey by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in Turkey between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in Turkey between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Turkey, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Turkey, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in Turkey between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in Turkey between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in Turkey, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Turkey, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 15 commercial non-life insurance brokers in Turkey, 2015
  • Partners of international broker networks in Turkey, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Turkey, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in Turkey, 2019 (forecast) (table)

22.0 UK

  • Segmentation of commercial non-life insurance gross written premiums in the UK by line of business, 2015
  • Growth in commercial non-life insurance gross written premiums in the UK segmented by line of business, 2011 to 2015
  • Segmentation of commercial non-life insurance gross written premiums in the UK by line of business, 2011 to 2015 (table)
  • Segmentation of commercial non-life insurance gross written premiums in the UK between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance gross written premiums in the UK between micro, small, medium, large and very large entities, 2015 (table)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the UK, 2011 and 2015
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the UK, 2011 and 2015 (table)
  • Segmentation of commercial non-life insurance broking revenues in the UK between micro, small, medium, large and very large entities, 2015
  • Segmentation of commercial non-life insurance broking revenues in the UK between micro, small, medium, large and very large entities, 2015 (table)
  • Share of the top three and the top ten brokers in commercial non-life insurance broking in the UK, 2011 and 2015
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in the UK, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 60 commercial non-life insurance brokers in the UK, 2015
  • Segmentation of all insurance broking revenues between commercial lines, personal lines, employee benefits / life / health insurance and wholesale / reinsurance, for the top 60 commercial non-life insurance brokers in the UK, 2015 (cont.)
  • Partners of international broker networks in the UK, 2016
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the UK, 2019 (forecast)
  • Brokers' distribution share of the commercial non-life insurance market and revenues earned from it in the UK, 2019 (forecast) (table)
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