ブローカー販売の考察（2024年）- 業界をリードする保険会社は？

ブローカーが保険会社を選ぶ際にもっとも重視するのは保険料です。これは、従来の第一要素であった引受とカバーの柔軟性からシフトしています。このシフトは、インフレや金利の影響で企業が経済的苦境に直面していることに加え、ほとんどの商品ラインで保険料が上昇していることによるものと考えられます。このため、費用対効果の高い保険ソリューションが重視されるようになっています。ブローカーは引き続き、さまざまな顧客のギャップを埋めることができる保険会社に重点を置いています。ESG関連の保険が人気を集める中、保険会社を選択する際、商品の質は引き続き増大要因となっています。

当レポートでは、ブローカーの保険会社との契約について調査し、ブローカーが保険会社を選ぶ際に重視する要素の変化を分析しています。

目次

• エグゼクティブサマリー
• 保険会社を選択する上でもっとも重要な要素
• クラス最高の保険会社
• 分析：競合別
• 分析：サービス別

付録

This report explores which insurers can be considered market leaders from the point of view of commercial brokers. The report looks at factors that brokers find most important when selecting an insurer with which to place business, analyzing how this has changed over the course of the cost-of-living crisis. Across 11 different aspects questioned, brokers select the insurer they consider to be best in class. The four leading insurers are discussed individually, as well as each separate category.

The top consideration for brokers when selecting insurers to place business with is the price/premiums. This has shifted from the previous leading factor, which was flexibility in underwriting and cover. The shift can be attributed to businesses facing economic struggles due to inflation, interest rates, as well as increasing premiums seen in most product lines. This has led to a heightened emphasis on cost-effective insurance solutions. Brokers continue to place emphasis on insurers that can help fill gaps across their spectrum of clients. The quality of product material continues to be a growing factor when choosing an insurer, with ESG-related policies growing in popularity.

Scope

• Aviva was rated the best-in-class insurer by brokers in nine out of 11 categories, showcasing consistent performance.
• Brokers prioritize price/premiums when selecting insurers, with a significant increase from 18% in 2023 to 26% in 2024.
• Provincial brokers place a higher emphasis on price/premiums and flexibility in underwriting/cover. Super-regional brokers prioritize price/premiums and quality of the insurer's product materials. National brokers prioritize flexibility in underwriting/cover and price/premiums.

Reasons to Buy

• Understand which aspects brokers are placing increasing emphasis on when choosing an insurer with which to place business.
• Compare yourself with market leaders and see how they are strategizing going forward.
• Enable yourself to continue adapting to the cost-of-living crisis and economic climate in line with brokers' expectations.

Table of Contents

Table of Contents

• Executive Summary
• Most Important Factors for Insurer Selection
• Best-in-Class Insurers
• Analysis by Competitor
• Analysis by Service

Appendix