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市場調査レポート

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 292 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: 2014年08月01日 ページ情報: 英文 292 Pages
概要

企業および公的機関を対象とする事業者向け損害保険部門において、ブローカーはもっとも重要な販売経路のひとつであり、2013年に同部門においてブローカー経由で得られた保険料および手数料は約105億ユーロと推計されています。さらにブローカーは多くの国でそのシェアを拡大しています。

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
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 insurance for business and public sector clients 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 non-life insurance in Europe were worth almost EUR 10.5 billion in 2013. Moreover, brokers are increasing their share of this market in many countries, often at the expense of tied agents, and are often 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 2013, excluding income from other activities. This analysis is based on an investigation covering over 500 brokers in Europe.

This report 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 Europe;
  • to compare 20 countries in 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 the territory that offers the best prospect for expansion, to targets for acquisition, to niche product development and ideas for distribution partnerships;
  • to understand the competitive landscape in each country through its market concentration, the importance of international brokers, and brokers' distribution strategies;
  • to identify the leading brokers in each country or across this European region as a whole, with coverage of competitors such as Arthur J. Gallagher, Ecclesia Gruppe, Funk Gruppe, GrECo International, Howden Broking Group, JLT, Lockton, Towergate Partnership and Verspieren, as well as Aon, Marsh and Willis.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Europe's commercial non-life insurance market was worth over EUR 125 billion in premiums in 2013
  • ...and increased in 11 countries in real terms between 2009 and 2013
  • Brokers are the most important single distribution channel for commercial lines in most markets
  • More than a quarter of the EUR 10.5 billion commercial non-life broking market is derived from the UK
  • Between 2009 and 2013 brokers' revenues grew more rapidly in Turkey than in any other country
  • Towergate's many acquisitions in the UK have propelled it to fifth place in the European ranking...
  • ... although it is likely to be overtaken by Arthur J. Gallagher in future
  • Brokers are expected to increase their commercial lines distribution share in 15 out of 20 countries...
  • ... although they will experience declining revenues in real terms in six of the 20 territories reviewed

1.0 INTRODUCTION

  • What is this report about
    • The focus is uniquely on commercial non-life insurance, excluding other types of business...
    • ...and on brokerage, even where intermediaries can act as both agents and brokers.
  • Rationale
  • Methodology
    • Research program
    • Market data analysis
  • Definitions
    • Premiums
    • Abbreviations
  • BrokerBASE
  • Finaccord

2.0 EUROPEAN OVERVIEW

  • Regulatory information
    • IMD II is intended to improve transparency and reduce conflicts of interest...
    • ... although its implementation has been delayed
    • The final version of the directive will have to be agreed by three separate European bodies
  • Commercial non-life insurance market
    • The European commercial non-life insurance achieved modest growth between 2009 and 2013
    • Turkey and Russia registered the sharpest growth rates in nominal terms
    • After taking inflation into account, ten markets contracted in real terms
    • Germany, France and the UK account for more than a half of commercial lines premiums in Europe
    • Property, motor and liability insurance account for about three quarters of the market
    • Across Europe as a whole, commercial motor insurance grew most rapidly between 2009 and 2013
  • Commercial non-life insurance brokers
    • Brokers' share of commercial non-life insurance distribution
      • Brokers distribute more than a half of commercial lines business in Europe...
      • ...and their distribution share increased in 15 of the 20 countries between 2009 and 2013
      • Brokers are most important as distributors of commercial non-life insurance in Ireland and the UK...
    • Brokers' revenues from commercial non-life insurance distribution
      • The UK and France are Europe's largest markets in terms of commercial lines broking revenues
      • These revenues increased in real terms between 2009 and 2013 in 13 of the 20 countries in scope
    • Market concentration and the top five brokers in Europe
      • Germany and Poland feature Europe's least concentrated markets for commercial lines broking
      • Excluding their partners, Aon, Marsh and Willis hold a combined market share of around 30%
      • Gras Savoye enters the top five due to its strong presence in France and Belgium
      • Including partners sees JLT enter the top five with a Europe-wide market share of close to 5%
      • Arthur J. Gallagher's acquisitions may see it overtake Towergate in fifth position in a future ranking
      • Aon is the leading commercial lines broker in nine out of 20 countries
    • International broker networks
      • International broker networks lay claim to almost 300 members across the 20 countries
      • ...led by Trust Risk Control, UNISON Brokers and WING
    • 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...
      • ...with the outlook likely to be least favourable in the Netherlands and Portugal
      • By 2017, the commercial lines broking market in Europe is likely to be worth around EUR 11.31 billion

3.0 AUSTRIA

  • Introduction
  • Regulatory information
    • There are around 1,100 active insurance broking enterprises in Austria
  • Commercial non-life insurance market
    • Commercial lines gross written premiums expanded modestly between 2009 and 2013...
    • ...with motor and property insurance jointly accounting for more than half of all premiums
    • Premiums for MAT insurance grew most rapidly between 2009 and 2013
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokerages are steadily increasing their distribution share of Austrian commercial lines
    • Competitor trends and specialisms
      • The top ten brokers account for well over half of commercial non-life insurance broking revenues
      • GrECo International remains the market leader in commercial non-life insurance broking in Austria...
      • ...albeit several domestic and foreign brokers have increased their revenues in recent years
      • If counted together, brokerages owned by Raiffeisen banks would be ranked third
      • Commercial non-life insurance offers the most important revenue stream almost all leading brokers...
      • ... even if some are also active in personal insurance and employee benefits
    • Brokers' distribution strategies
      • A few of the leading 30 commercial insurance brokers in Austria have a strong regional focus...
      • ... and three of them are especially active in providing cover for the construction sector
      • Five Austrian brokers are affiliated to the UNISONBrokers network
    • Future outlook
      • Both the distribution share of brokers and the value of the broking market will continue to grow

4.0 BELGIUM

  • Introduction
  • Regulatory information
    • The main professional associations for brokers have a combined total of over 1,700 members...
    • ... although many more are listed with the FSMA
  • Commercial non-life insurance market
    • The value of the Belgian market for commercial non-life insurance has been growing steadily...
    • ...with motor insurance constituting the largest segment by a clear margin...
    • ... although legal expenses insurance premiums have been growing most rapidly
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers command a fairly high distribution share of commercial lines business
    • Competitor trends and specialisms
      • The degree to which the Belgian market is concentrated changed little between 2011 and 2013
      • Vanbreda Risk & Benefits is likely to have edged ahead of Marsh as the market leader...
      • ... with third-ranked Aon comfortably ahead of the competitor in fourth position
      • Seven of the top ten competitors are indigenous ones under local Belgian ownership
      • Allia serves as an alliance partner of several international brokers and also belongs to Assurex
      • Commercial lines broking is easily the most important source of revenues for the top 20 brokers...
      • ... although a few, like Meeùs, have significant activities in other areas, including employee benefits...
      • ... and reinsurance broking is a service offered by three of the top 20 brokers
    • Brokers' distribution strategies
      • Several of the top 20 brokers specialise by region, product, client sector and / or client size
      • Over half of the 20 largest commercial non-life insurance brokers belong to an international network
    • Future outlook
      • The value of Belgian commercial lines broking market will rise to almost EUR 500 million by 2017

5.0 CZECH REPUBLIC

  • Introduction
  • Regulatory information
    • The Czech brokers' association has 80 member firms
  • Commercial non-life insurance market
    • Commercial lines gross written premiums expanded modestly between 2009 and 2013...
    • ...with motor and property insurance jointly accounting for more than 70% of all premiums
    • Premiums for motor insurance grew most rapidly between 2009 and 2013
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokerages are increasing their distribution share of Czech commercial lines
    • Competitor trends and specialisms
      • The top three brokers account for nearly one third of commercial non-life insurance broking revenues
      • Marsh acquires majority stake in Insia
      • In addition to its own activities Renomia also runs a franchise network of insurance brokers
      • Nearly four fifths of all income of the top 25 brokers is related to commercial non-life insurance...
      • ...although several brokers are also active in personal insurance and employee benefits
    • Brokers' distribution strategies
      • All major Czech brokers operate on a national basis
      • 13 international broker networks have members in the Czech Republic
    • Future outlook
      • Both the distribution share of brokers and the value of the broking market will continue to grow

6.0 DENMARK

  • Introduction
  • Regulatory information
    • There are around 150 registered insurance brokerages in Denmark
  • Commercial non-life insurance market
    • After a decline in 2010 and 2011 the market returned to modest growth in 2012 and 2013...
    • ...with property insurance accounting for the highest value...
    • ...and with the value of legal expenses insurance advancing most rapidly
  • 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 has increased slightly in recent years
    • Competitor trends and specialisms
      • The top ten brokers account for more than 70% of all commercial non-life broking revenues
      • Aon, Marsh and Willis all possess a strong presence in Denmark...
      • ... although Dahlberg Assurance Brokers is also a major player
      • Commercial non-life insurance broking is the most important source of revenue for most top brokers
    • Brokers' distribution strategies
      • ForsikringsMæglerGruppen Danmark is the only top ten broker to have a particular specialism
      • Six of the leading ten brokers have affiliated themselves to an international broker network
    • Future outlook
      • Discounting inflation, the commercial non-life broking market may even decline slightly by 2017

7.0 FINLAND

  • Introduction
  • Regulatory information
    • The Insurance Mediation Act of 2008 had a significant impact on the Finnish broking market...
    • ... causing a number of intermediaries to convert to the agency model
  • Commercial non-life insurance market
    • In spite of a weak economy, the commercial lines market has delivered reasonable growth of late...
    • ...with all main lines of business moving up in nominal terms
  • 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 growing but from a relatively low base
    • Competitor trends and specialisms
      • The Finnish market for commercial non-life insurance broking is comparatively concentrated
      • Hyperion Insurance Group acquired Colemont Finland from AmWINS in December 2013
      • For all of the top ten competitors, commercial lines broking constitutes their most important activity
    • Brokers' distribution strategies
      • IIZI Firstbroker and Optimum Insurance Consultants have signed up to the most broker networks
    • Future outlook
      • The Finnish commercial lines broking market will grow further but remain a small one

8.0 FRANCE

  • Introduction
  • Regulatory information
    • There are well over 40,000 registered insurance intermediaries in France, many of which are brokers
    • While the number of all types of intermediary has fallen, that representing brokers has grown
  • Commercial non-life insurance market
    • The value of the French market for commercial non-life insurance has been edging up...
    • ...with property insurance the largest segment by a considerable margin...
    • ... albeit commercial motor and fleet premiums have been growing most rapidly
  • 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 fallen slightly in recent years
    • Competitor trends and specialisms
      • The top ten brokers now account for more than 70% of all commercial non-life broking revenues...
      • ... with Gras Savoye very comfortably the largest of these
      • Apart from Aon and Marsh, all of the leading 50 competitors are indigenous French entities...
      • ... although this will change when Willis exercises its option to acquire Gras Savoye...
      • ... which has been strengthening its regional network in France in recent times
      • Verspieren acquired two specialist property and construction brokers in 2013...
      • ... and Verlingue bought De Clarens in early 2014
      • Commercial non-life insurance broking is the most important source of revenue for most brokers...
      • ... albeit some, like April Group, generate more from other activities such as wholesale broking
    • Brokers' distribution strategies
      • A few of the top 50 brokers specialise by region, client sector, client size or product class...
      • ... with construction and property the most popular specialism by client sector...
      • Among international networks, Risk Control and UNISONBrokers claim the most broker members
    • Future outlook
      • The value of the French commercial lines broking market will rise to around EUR 24.0 billion by 2017

9.0 GERMANY

  • 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

10.0 IRELAND

  • Introduction
  • Regulatory information
    • Over 500 companies belong to the main association of insurance brokers in Ireland...
    • ... collectively providing employment to over 5,500 individuals
  • Commercial non-life insurance market
    • The long-standing decline in Ireland's commercial lines market has begun to bottom out...
    • ...with property insurance the most resilient class although not the largest
  • 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 is extremely high
    • Competitor trends and specialisms
      • Ireland hosts a comparatively concentrated market for commercial non-life insurance broking
      • Aon, Marsh and Willis control over a half of the market between them...
      • ... albeit fourth-ranked Arachas Corporate Brokers is an independent competitor
      • Many brokers are also involved in the intermediation of personal lines and employee benefits
    • Brokers' distribution strategies
      • 11 out of 16 international broker networks lay claim to an Ireland-based member
    • Future outlook
      • The value of the commercial non-life broking market will edge up in nominal terms up to 2017

11.0 ITALY

  • Introduction
  • Regulatory information
    • Italian intermediaries have been affected by various regulatory changes in recent years
    • AIBA has amassed over 1,000 brokers as members...
    • ... and has reached an agreement with SNA concerning collaboration between brokers and agents
  • Commercial non-life insurance market
    • Commercial lines gross written premiums contracted at a nominal 2.5% per annum from 2009 to 2013...
    • ... with all five main lines of business falling back in value
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • A substantial amount of business originated by brokers arrives with underwriters via insurance agents...
      • ... although it seems clear that brokers are the dominant distribution channel for commercial lines...
      • ... and that their distribution share of a declining market has increased in recent years
    • Competitor trends and specialisms
      • The top three brokers account for more than half of commercial non-life insurance broking revenues
      • ... with both Aon and Willis having made acquisitions in recent years
      • Through its own acquisition Gruppo Assisteca is poised to overtake Ital Brokers in the ranking
      • Beyond the top ten, the competitive structure becomes more fragmented with many smaller brokers
      • Activities other than commercial non-life insurance account for about 20% of brokers' revenue on average
    • Brokers' distribution strategies
      • Six of the top 50 brokers are primarily active in marine insurance...
      • ... but only one has a regional focus on southern Italy
      • 14 international broker networks lay claim to Italian members
    • Future outlook
      • In real terms, Italy's market for commercial non-life insurance broking may continue to shrink

12.0 NETHERLANDS

  • Introduction
  • Regulatory information
    • Intermediaries in the Netherlands can act both as agents and brokers depending on the line of business
    • New regulations concerning commission payments and disclosure requirements have had an impact
  • Commercial non-life insurance market
    • The Dutch market for commercial non-life insurance is stagnant...
    • ...with all main product classes declining gently in value in nominal terms
  • 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 fallen slightly in recent years
    • Competitor trends and specialisms
      • The market is especially concentrated at the top end but fragments rapidly thereafter
      • ... with Aon comfortably ahead of its nearest rivals Meeùs and Marsh
      • Aon boosted its position of leadership through acquisition of ABN AMRO's commercial broking operations
      • Concordia and De Keizer have joined forces helping them to rise to 13th position in the broker ranking
      • It is typical for brokers to be involved in a range of activities in addition to commercial non-life insurance...
      • ... including intermediation of banking products
      • Among the top 40 brokers, Marsh generates the highest proportion of its revenues from commercial lines
    • Brokers' distribution strategies
      • For a relatively compact country, Dutch brokers display a high degree of regional specialisation...
      • ... with some also specialising by client size, client sector or product class
      • Among international networks only UNISONBrokers claims multiple broker members
    • Future outlook
      • The value of the Dutch commercial lines broking market will continue to decline up to 2017

13.0 NORWAY

  • Introduction
  • Regulatory information
    • There are over 60 registered insurance broker companies active in Norway
  • Commercial non-life insurance market
    • Commercial lines gross written premiums expanded at a steady pace between 2009 and 2013...
    • ...with property and MAT insurance jointly accounting for more than half of all premiums
    • Premiums for liability insurance grew extremely rapidly between 2009 and 2013
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • An increasing amount of premium is being placed by brokers
    • Competitor trends and specialisms
      • The top ten brokers account for the bulk of commercial non-life insurance broking revenues
      • The big three international brokers occupy a strong position in commercial non-life insurance in Norway
      • Two foreign groups have strengthened their footprint in Norway through strategic acquisitions
      • Commercial non-life insurance broking is the most important source of revenue for the top brokers
    • Brokers' distribution strategies
      • Several top brokers place emphasis on their maritime and energy expertise
    • Future outlook
      • Both the distribution share of brokers and the value of the broking market will continue to grow

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 is expanding well, even in real terms after inflation...
    • ...with property insurance accounting for the highest value
    • Premiums for liability insurance grew most rapidly between 2009 and 2013
  • 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 2009 and 2013
    • Competitor trends and specialisms
      • The top ten brokers account for less than a half of all commercial non-life broking revenues in Poland
      • Several international brokers are well-placed but the market remains fragmented overall
      • Nord Partner is the leading indigenous broker with a network of over 20 offices across Poland
      • Commercial non-life insurance broking is the most important source of revenue for the top brokers
      • ... although a few also have substantial operations in employee benefits
    • Brokers' distribution strategies
      • Grupa MAK is the only one of the top 20 brokers to specialise by product class
      • Five brokers in Poland have affiliated themselves to an international broker network
    • Future outlook
      • Growth in the revenues of brokers will come mainly from underlying commercial lines market growth

15.0 PORTUGAL

  • Introduction
  • Regulatory information
    • Growth in tied intermediaries and agents is impacting negatively the prospects for brokers
  • Commercial non-life insurance market
    • The Portuguese market for commercial non-life insurance has shrunk since 2009...
    • ...with the most rapid declines occurring in the MAT and commercial motor insurance classes
  • 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 2009
    • Competitor trends and specialisms
      • A modest degree of consolidation occurred in the broking market between 2011 and 2013
      • Aon, Marsh and Willis are all ranked among the top five commercial lines brokers in Portugal...
      • ... although MDS is the leader, having successfully diversified away from its captive broking origins
      • All of the top 20 commercial lines brokers secure most of their revenues from this activity...
      • ... with Luso-Atlantica and Villas-Boas ACP obtaining the most from other insurance types
    • Brokers' distribution strategies
      • A few of the leading brokers specialise by product class or client activity or size
      • Seven brokers in Portugal have affiliated themselves to an international broker network
    • Future outlook
      • Both the distribution share of brokers and the value of the broking market will continue to fall...
      • ... notwithstanding any positive impact arising from Fosun International's purchase of Fidelidade

16.0 ROMANIA

  • Introduction
  • Regulatory information
    • The insurance supervisor was brought under the umbrella of the Financial Services Authority in 2013
  • Commercial non-life insurance market
    • Commercial lines gross written premiums expanded in nominal terms between 2009 and 2013...
    • ...with motor and property insurance jointly accounting for nearly two thirds of all premiums
    • Premiums for liability insurance grew most rapidly between 2009 and 2013
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokerages are increasing their distribution share in commercial non-life insurance
    • Competitor trends and specialisms
      • The top three brokers account for more than a quarter of all commercial non-life broking revenues
      • Marsh remains the market leader in commercial non-life insurance broking in Romania
      • Personal lines are also an important revenue stream for many Romanian brokers
      • ...while employee benefits are less important
    • Brokers' distribution strategies
      • Three Romanian brokers have a strong product focus
      • Ten international broker networks have members in Romania
    • Future outlook
      • Both the distribution share of brokers and the value of the broking market will continue to grow

17.0 RUSSIA

  • Introduction
  • Regulatory information
  • Commercial non-life insurance market
    • Commercial lines gross written premiums expanded at a nominal 10% per annum from 2009 to 2013...
    • ...with property insurance accounting for the highest proportion of the total market
  • 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 is believed to be increasing...
      • ... although most business continues to be handled by insurance company agents
    • Competitor trends and specialisms
      • The top ten brokers account for more than three quarters of all commercial non-life broking revenues
      • The three globally active broking groups have established a strong presence in Russia...
      • ... with Malakut identifiable as the most prominent indigenous competitor
      • Commercial lines broking is the main activity for eight of the top ten brokers...
      • ... although two derive more revenues from reinsurance
    • Brokers' distribution strategies
      • Apart from their focus on large clients, few of the top ten brokers have any other particular specialism
      • Malakut and MAI Insurance Brokers are members of the most international broker networks
    • Future outlook
      • Regulatory changes are likely to cause most problems for smaller brokerages...
      • ... and the distribution share of the channel as a whole will rise further from a low base

18.0 SPAIN

  • Introduction
  • Regulatory information
    • The number of registered insurance brokerages in Spain has changed little in recent years...
    • ... in spite of a declining insurance market and a falling number of insurance agents
  • Commercial non-life insurance market
    • MAT is the only commercial insurance segment to achieve nominal growth between 2009 and 2013...
    • ... in a market that declined at an inflation-adjusted compound annual rate of 4.7% over that period
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers have pushed up their distribution share of commercial lines in recent years...
      • ... as is evident from their higher share of new business as opposed to total business
    • Competitor trends and specialisms
      • The Spanish commercial broking market fragments rapidly beyond the leading five competitors
      • Aon has boosted its position by becoming the majority owner of GDS Risk Solutions
      • Volkswagen runs one of the largest commercial insurance broking operations in Spain
      • March-JLT has grown out of the merger of March-Unipsa and JLT-SIACI
      • Most of the leading brokers generate a majority of their revenues from commercial non-life insurance...
      • ... even if some are also active in other fields including personal lines and employee benefits
    • Brokers' distribution strategies
      • Specialism is most likely to occur by client sector rather than client size, product or region...
      • ... with construction the most common sector in this respect, followed by agriculture
      • Three international broker networks lay claim to more than one member in Spain
    • Future outlook
      • As they are likely to increase their distribution share, brokers' revenues will grow modestly in nominal terms

19.0 SWEDEN

  • Introduction
  • Regulatory information
    • There are over 1,000 registered insurance intermediaries active in Sweden
    • Commission remains the most common form of compensation for Swedish brokers
  • Commercial non-life insurance market
    • The Swedish market for commercial non-life insurance has grown consistently since 2009...
    • ...with property insurance accounting for the highest proportion of the 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 has risen slightly in recent years
    • Competitor trends and specialisms
      • By share of commercial broking revenues, Aon remains the market leader in Sweden...
      • ... with both Marsh and Willis also ranked in the top five by this measure
      • Söderberg & Partners is expanding rapidly its commercial lines offering...
      • ... with most of its revenues currently derived from employee benefits
    • Brokers' distribution strategies
      • The top brokers in Sweden operate on a nationwide basis and mostly have no particular specialism
      • Seven international broker networks lay claim to member firms in Sweden
    • Future outlook
      • Both the distribution share of brokers and the value of the broking market will continue to rise

20.0 SWITZERLAND

  • Introduction
  • Regulatory information
    • 43% of registered intermediaries are classifiable as brokers
  • Commercial non-life insurance market
    • Commercial motor insurance is the largest class within total commercial non-life insurance...
    • ... although legal expenses insurance is the most rapidly growing
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • The distribution share of brokers in Swiss commercial non-life insurance has grown in recent years...
    • Competitor trends and specialisms
      • ... as has the share of broking revenues of the top three and top ten brokers
      • By commercial non-life broking revenues Kessler & Co maintains a clear lead over Aon...
      • ... and other indigenous broking firms limit the presence of international brokers
      • On average, Swiss brokers generate around 60% of their revenues from commercial non-life insurance...
      • ... with employee benefits the next most important activity
    • Brokers' distribution strategies
      • A number of the top 30 brokers specialise by region, product, client sector or client size
      • Among international broker networks Trust Risk Control has the most members in Switzerland
    • Future outlook
      • Both the distribution share of brokers and the value of the broking market will continue to advance

21.0 TURKEY

  • Introduction
  • Regulatory information
    • Turkey's professional association for brokers has around 100 members
  • Commercial non-life insurance market
    • The Turkish commercial lines insurance market has easily outgrown the country's economy as a whole...
    • ...with property insurance accounting for nearly half of all premiums
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • In commercial lines, brokers are eroding the share of agents at a fairly rapid rate
    • Competitor trends and specialisms
      • In spite of opportunities presented by fast growth, the broking market is comparatively concentrated
      • Four of the top five brokers by commercial lines broking revenues are foreign-owned entities...
      • ... with Martin & Martin the exception in this case
      • About three quarters of the revenue of the top ten brokers is attributable to commercial non-life broking
    • Brokers' distribution strategies
      • Nart Sigorta belongs to the most broker networks
    • Future outlook
      • The Turkish commercial lines broking market seems set to continue expanding at a robust rate

22.0 UK

  • Introduction
  • Regulatory information
    • The FCA has been looking at the way in which insurance intermediaries are remunerated
    • According to BIBA, UK brokers have the most expensive regulatory regime in the world
  • Commercial non-life insurance market
    • After adjusting for inflation, the commercial lines market value has declined in recent years...
    • ...with property insurance having experienced the most obvious decline
  • Commercial non-life insurance brokers
    • Overview of brokers' presence in the distribution of commercial non-life insurance
      • Brokers are still by far the most important distribution channel for commercial non-life insurance in the UK
    • Competitor trends and specialisms
      • Acquisitions have brought about increasing consolidation in the commercial lines broking market...
      • ... with several competitors having made significant moves in this respect...
      • ... most notably Arthur J. Gallagher, which threatens to challenge Aon and Marsh in the UK ranking
      • Private equity firm AnaCap Financial Partners has also made two major buys in the UK broking sector
      • Among the top 60 brokers, an average of just below 75% of revenues comes from commercial lines...
      • ... with some generating more from other activities such as employee benefits or personal lines
    • Brokers' distribution strategies
      • Over a half of the top 60 brokers specialise by product class, client sector, client size or region
      • Three are primarily active in the field of professional indemnity insurance...
      • ... and five focus on the real estate sector
      • Two each concentrate mainly on Scotland and the south-west of England
      • Among international broker networks, WBN claims the most broker members in the UK
      • Two brokers with a genuine online distribution capability have also experienced rapid growth
    • Future outlook
      • Brokers' revenues will stagnate because there is little scope for them to grow their distribution share

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

2.0 EUROPEAN OVERVIEW

  • Commercial non-life insurance gross written premiums in Europe, 2009 to 2013
  • Compound annual growth rates for commercial non-life insurance gross written premiums in Europe, in nominal values segmented by country, 2009 to 2013
  • Compound annual growth rates for commercial non-life insurance gross written premiums in Europe, in real values segmented by country, 2009 to 2013
  • Commercial non-life insurance gross written premiums in Europe segmented by country, 2013
  • Commercial non-life insurance gross written premiums in Europe segmented by country, 2009 to 2013 (table)
  • Commercial non-life insurance gross written premiums in Europe segmented by line of business, 2013
  • Compound annual growth rates in commercial non-life insurance gross written premiums in Europe, in nominal values segmented by line of business, 2009 to 2013
  • Commercial non-life insurance gross written premiums segmented by line of business and by country, 2013 (table)
  • Brokers' distribution share of commercial non-life insurance gross written premiums in Europe segmented by country, 2009 and 2013
  • Brokers' share of commercial non-life insurance gross written premiums in Europe segmented by country, 2009 and 2013 (table)
  • Brokers' revenues from commercial non-life insurance premiums in Europe segmented by country, 2013
  • Compound real annual growth rates for brokers' revenues from commercial non-life insurance in Europe segmented by country, 2009 to 2013
  • Brokers' revenues from commercial non-life insurance in Europe segmented by country, 2009 and 2013 (table)
  • Market concentration as measured by market share of top three and top ten commercial non-life insurance brokers in Europe segmented by country, 2013 segmented by country, 2013
  • Market concentration as measured by market share of top three and top ten commercial non-life insurance brokers in Europe segmented by country, 2013 (table)
  • Top five brokers' share of commercial non-life insurance broking revenues in Europe, 2013
  • Top five broker groups' share of commercial non-life insurance broking revenues in Europe, 2013
  • Top five commercial non-life broker groups' revenues, number of first-place rankings and top ten rankings in Europe, 2013 (table)
  • International broker networks ranked by number of members in Europe, 2014
  • 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, 2013 to 2017
  • 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, 2013 to 2017 (table)
  • Comparison of growth in brokers' revenue from commercial non-life insurance in Europe segmented by country, 2013 to 2017 (forecast)
  • Brokers' revenues from commercial non-life insurance in Europe segmented by country, 2013 and 2017 (forecast) (table)

3.0 AUSTRIA

  • Segmentation of commercial non-life insurance gross written premiums in Austria, 2013
  • Growth in commercial non-life insurance gross written premiums in Austria by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in Austria by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Austria, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Austria, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in Austria, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Austria, 2013
  • Importance of different types of insurance broking for the top 30 commercial non-life insurance brokers in Austria
  • Importance of different types of insurance broking for the top 30 commercial non-life insurance brokers in Austria (continued)
  • Partners of broker networks in Austria, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Austria, 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Austria, 2017 (table)

4.0 BELGIUM

  • Segmentation of commercial non-life insurance gross written premiums in Belgium, 2013
  • Growth in commercial non-life insurance gross written premiums in Belgium by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in Belgium by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Belgium, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Belgium, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in Belgium, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Belgium, 2013
  • Importance of different types of insurance broking for the top 20 commercial non-life insurance brokers in Belgium
  • Partners of broker networks in Belgium, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Belgium, 2013 and 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Belgium, 2013 and 2017 (table)

5.0 CZECH REPUBLIC

  • Segmentation of commercial non-life insurance gross written premiums in the Czech Republic, 2013
  • Growth in commercial non-life insurance gross written premiums in the Czech Republic by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in the Czech Republic by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in the Czech Republic, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in the Czech Republic, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in the Czech Republic, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in the Czech Republic, 2013
  • Importance of different types of insurance broking for the top 25 commercial non-life insurance brokers in the Czech Republic
  • Importance of different types of insurance broking for the top 25 commercial non-life insurance brokers in the Czech Republic (continued)
  • Partners of broker networks in the Czech Republic, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in the Czech Republic, 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in the Czech Republic, 2017 (table)

6.0 DENMARK

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

7.0 FINLAND

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

8.0 FRANCE

  • Segmentation of commercial non-life insurance gross written premiums in France, 2013
  • Growth in commercial non-life insurance gross written premiums in France by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in France by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in France, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in France, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in France, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in France, 2013
  • Importance of different types of insurance broking for the top 50 commercial non-life insurance brokers in France
  • Importance of different types of insurance broking for the top 50 commercial non-life insurance brokers in France (continued)
  • Partners of broker networks in France, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in France, 2013 and 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in France, 2013 and 2017 (table)

9.0 GERMANY

  • 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)

10.0 IRELAND

  • Segmentation of commercial non-life insurance gross written premiums in Ireland, 2013
  • Growth in commercial non-life insurance gross written premiums in Ireland by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in Ireland by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Ireland, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Ireland, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in Ireland, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Ireland, 2013
  • Importance of different types of insurance broking for the top 15 commercial non-life insurance brokers in Ireland
  • Partners of broker networks in Ireland, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Ireland, 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Ireland, 2017 (table)

11.0 ITALY

  • Segmentation of commercial non-life insurance gross written premiums in Italy, 2013
  • Growth in commercial non-life insurance gross written premiums in Italy by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in Italy by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Italy, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Italy, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in Italy, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Italy, 2013
  • Importance of different types of insurance broking for the top 50 commercial non-life insurance brokers in Italy
  • Importance of different types of insurance broking for the top 50 commercial non-life insurance brokers in Italy (continued)
  • Partners of broker networks in Italy, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Italy, 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Italy, 2017 (table)

12.0 NETHERLANDS

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

13.0 NORWAY

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

14.0 POLAND

  • Segmentation of commercial non-life insurance gross written premiums in Poland, 2013
  • Growth in commercial non-life insurance gross written premiums in Poland by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in Poland by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Poland, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Poland, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in Poland, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Poland, 2013
  • Importance of different types of insurance broking for the top 20 commercial non-life insurance brokers in Poland
  • Importance of different types of insurance broking for the top 20 commercial non-life insurance brokers in Poland (continued)
  • Partners of broker networks in Poland, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Poland, 2013 and 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Poland, 2013 and 2017 (table)

15.0 PORTUGAL

  • Segmentation of commercial non-life insurance gross written premiums in Portugal, 2013
  • Growth in commercial non-life insurance gross written premiums in Portugal by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in Portugal by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Portugal, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Portugal, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in Portugal, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Portugal, 2013
  • Importance of different types of insurance broking for the top 20 commercial non-life insurance brokers in Portugal
  • Importance of different types of insurance broking for the top 20 commercial non-life insurance brokers in Portugal (continued)
  • Partners of broker networks in Portugal, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Portugal, 2013 and 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Portugal, 2013 and 2017 (table)

16.0 ROMANIA

  • Segmentation of commercial non-life insurance gross written premiums in Romania, 2013
  • Growth in commercial non-life insurance gross written premiums in Romania by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in Romania by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Romania, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Romania, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in Romania, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Romania, 2013
  • Importance of different types of insurance broking for the top 20 commercial non-life insurance brokers in Romania
  • Partners of broker networks in Romania, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Romania, 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Romania, 2017 (table)

17.0 RUSSIA

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

18.0 SPAIN

  • Segmentation of commercial non-life insurance gross written premiums in Spain, 2013
  • Growth in commercial non-life insurance gross written premiums in Spain by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in Spain by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Spain, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Spain, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in Spain, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Spain, 2013
  • Importance of different types of insurance broking for the top 30 commercial non-life insurance brokers in Spain
  • Importance of different types of insurance broking for the top 30 commercial non-life insurance brokers in Spain (continued)
  • Partners of broker networks in Spain, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Spain, 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Spain, 2017 (table)

19.0 SWEDEN

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

20.0 SWITZERLAND

  • Segmentation of commercial non-life insurance gross written premiums in Switzerland, 2013
  • Growth in commercial non-life insurance gross written premiums in Switzerland by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in Switzerland by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Switzerland, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in Switzerland, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in Switzerland, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in Switzerland, 2013
  • Importance of different types of insurance broking for the top 30 commercial non-life insurance brokers in Switzerland
  • Importance of different types of insurance broking for the top 30 commercial non-life insurance brokers in Switzerland (continued)
  • Partners of broker networks in Switzerland, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Switzerland, 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in Switzerland, 2017 (table)

21.0 TURKEY

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

22.0 UK

  • Segmentation of commercial non-life insurance gross written premiums in the UK, 2013
  • Growth in commercial non-life insurance gross written premiums in the UK by segment, 2009 to 2013
  • Gross written premiums for commercial non-life insurance in the UK by segment, 2009 to 2013 (table)
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in the UK, 2009 and 2013
  • Brokers' share of the commercial non-life insurance market and revenues earned from it in the UK, 2009 and 2013 (table)
  • Market concentration for commercial non-life insurance broking in the UK, 2011 and 2013
  • Market shares of commercial non-life insurance broking revenues of the top ten brokers in the UK, 2013
  • Importance of different types of insurance broking for the top 60 commercial non-life insurance brokers in the UK
  • Importance of different types of insurance broking for the top 60 commercial non-life insurance brokers in the UK (continued)
  • Importance of different types of insurance broking for the top 60 commercial non-life insurance brokers in the UK (continued)
  • Partners of broker networks in the UK, 2014
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in the UK, 2017
  • Brokers' forecast share of the commercial non-life insurance market and revenues earned from it in the UK, 2017 (table)
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