米国の保険仲介市場の評価：保険タイプ別、仲介タイプ別、流通チャネル別、エンドユーザー別、地域別、機会および予測、2018～2032年

米国の保険仲介市場は、2025年から2032年の予測期間中にCAGR 5.72%を記録し、2024年の704億8,000万米ドルから2032年には1,099億5,000万米ドルに成長すると予測されています。米国の保険仲介市場は、いくつかの主要な成長促進要因によって動かされています。カスタマイズされた保険ソリューションに対する需要の高まりにより、ブローカーは個人・法人を問わず顧客のニーズに合ったパッケージを設計する必要があります。ビジネスリスクの複雑化、特に中小企業セクターでは、効果的なリスク管理と適切な保険戦略が求められています。テクノロジーの向上、中でも人工知能、データ分析、デジタルトランスフォーメーションは、業界のプロセスをより効率的で円滑なものにするためにも不可欠です。自然災害や気候変動によるリスクへのエクスポージャーの増加も、より多くの保険を求める需要に拍車をかけています。その他の成長要因としては、サイバー保険、従業員福利厚生、ヘルスケア保険への注目が高まっていることが挙げられます。市場はまた、買収による統合も見ています。ギグ・エコノミーの成長も、新しいタイプの保険への需要に寄与しています。保険料の高騰に対応するため、イノベーション、持続可能性、環境に配慮した保険ソリューションの重要性が高まっています。

保険仲介とは、顧客と保険会社の間に立って、個人や企業が最適な保険を見つけ、加入できるようにサポートするサービスです。ブローカーは、顧客のニーズに関する情報を収集し、助言し、最良の補償を最良の価格で得るために条件を交渉します。優れたブローカーは通常、例えば損害保険、医療保険、生命保険など、かなり多様な保険オプションを提供しています。これは、顧客のリスクに対する最大限の保護を受けられるようにしながら、保険を解明する業界です。2025年1月、Truist Financial Corporationは、災害フィランソロピー・センターと契約し、ノースカロライナ州西部に2,000万米ドル以上の災害復興補助金を発行すると発表しました。このイニシアチブは、同社のTruist Cares for Western North Carolinaの旗艦の下にあります。

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

• 製品と市場情報
• ブランド認知のモード
• 購入決定時に考慮される要素
  • カバー範囲のニーズ
  • 料金
  • 請求手続き
  • プレミアム料金
  • カスタマイズポリシー
  • 割引とプロモーション
  • 透明性
  • コンプライアンスとセキュリティ
• カスタマーサポート
• プライバシーと規制の考慮

第5章 米国の保険仲介市場の見通し、2018年～2032年

• 市場規模の分析と予測
  • 金額別
• 市場シェア分析と予測
  • 保険タイプ別
    • 生命保険
    • 損害保険
    • 健康・医療保険
    • その他
  • 仲介タイプ別
    • 小売仲介業
    • 卸売仲介
  • 流通チャネル別
    • オンライン
    • オフライン
  • エンドユーザー別
    • BFSI
    • ヘルスケア
    • 自動車
    • 航空
    • その他
  • 地域別
    • 北東
    • 中西部
    • 西
    • 南
  • 市場シェア分析（上位5社およびその他- 金額別、2024年）、企業別
• 市場マップ分析、2024年
  • 保険タイプ別
  • 仲介タイプ別
  • 流通チャネル別
  • エンドユーザー別
  • 地域別

第6章 需要供給分析

第7章 バリューチェーン分析

第8章 ポーターのファイブフォース分析

第9章 PESTLE分析

第10章 プレミアム分析

第11章 市場力学

• 市場促進要因
• 市場の課題

第12章 市場の動向と発展

第13章 ケーススタディ

第14章 競合情勢

• 市場リーダー上位5社の競合マトリックス
• 上位5社のSWOT分析
• 市場上位10社の主要企業の情勢
  • Marsh &McLennan Companies Inc.
  • 会社概要
  • 主要経営陣
  • 製品とサービス
  • 財務状況（報告通り）
  • 主な市場フォーカスと地理的プレゼンス
  • 最近の動向/コラボレーション/ パートナーシップ/合併と買収
  • Aon plc.
  • Willis Towers Watson plc.
  • Lockton Companies LLC
  • Arthur J. Gallagher &Co.
  • USI Insurance Services LLC
  • HUB International Limited
  • Brown &Brown Inc.
  • Truist Financial Corporation
  • US Risk Insurance Group LLC

上記の企業は市場シェアに基づいて注文を保留しておらず、調査作業中に入手可能な情報に基づいて変更される可能性があります。

第15章 戦略的提言

第16章 調査会社について・免責事項

List of Tables

• Table 1. Competition Matrix of Top 5 Market Leaders
• Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. United States Insurance Brokerage Market, By Value, In USD Billion, 2018-2032F
• Figure 2. United States Insurance Brokerage Market Share (%), By Insurance Type, 2018-2032F
• Figure 3. United States Insurance Brokerage Market Share (%), By Brokerage Type, 2018-2032F
• Figure 4. United States Insurance Brokerage Market Share (%), By Distribution Channel, 2018-2032F
• Figure 5. United States Insurance Brokerage Market Share (%), By End-user, 2018-2032F
• Figure 6. United States Insurance Brokerage Market Share (%), By Region, 2018-2032F
• Figure 7. By Insurance Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 8. By Brokerage Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 9. By Distribution Channel Size Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 10. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 11. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024

United States insurance brokerage market is projected to witness a CAGR of 5.72% during the forecast period 2025-2032, growing from USD 70.48 billion in 2024 to USD 109.95 billion in 2032. The United States insurance brokerage market is motivated by a few key growth drivers. Increasing demand for customized insurance solutions requires brokers to design packages that fit the needs of customers, whether they are individuals or businesses. The increased complexity of business risks, particularly in the SMB sector, demands effective risk management and proper insurance strategies. Improved technology, among which is artificial intelligence, data analytics, and digital transformation, is also essential in making industry processes more efficient and smoother. Increased natural disasters and climatic exposures to risks are also adding a premium to the demand for more insurance coverage. Other growing drivers include an increased focus on cyber insurance, employee benefits, and healthcare insurance since these businesses and individuals are getting exposed to evolving risks in a very digitalized and health-conscious world. The market also sees consolidation through acquisitions. Growth in the gig economy contributes to the demand for new types of coverage. Innovation, sustainability, and green insurance solutions are more important as firms respond to high premiums.

Insurance brokerage is a service offered by a mediator between the client and the insurance provider that assists the individual or business in finding and obtaining the most suitable insurance coverage. A broker will collect information about the needs of a client, advise them, and negotiate terms to get the best possible coverage at the best prices. A good brokerage usually offers quite a variety of insurance options, for example, property and casualty, health, and life. This is the industry that demystifies insurance while making sure that the maximum protection for a client's risk is received. In January 2025, Truist Financial Corporation announced that it has signed up with the Center for Disaster Philanthropy to issue more than USD 20 million in disaster recovery grants for Western North Carolina. The initiative comes under the flagship of the company's Truist Cares for Western North Carolina.

Surge in Merger and Acquisition Deals Boosts United States Insurance Brokerage Market

The M&A deal is significantly contributing to the United States insurance brokerage market. The increasing trend in the industry, as the companies look for strategic partnerships, acquisitions, and consolidation to enhance their market position, expand their service offerings, and improve operational efficiencies, is on the rise. M&A activity enables companies to enter new markets, leverage synergies, and gain a competitive edge in an increasingly fragmented market. This trend promotes firms to diversify portfolios, hence, providing more comprehensive solutions for a wider client base, and large firms absorb smaller ones, such as specialized brokers. It further opens the door for insurance brokerages to introduce new technologies and make operations easier, besides considering entry into growing markets, such as cyber insurance and health benefits.

M&A-driven growth thus creates an innovative environment because more specific insurance products and better customer experiences are made possible through combined resources. In February 2025, Arthur J. Gallagher & Co. announced the acquisition of Syracuse, New York-based Dominick Falcone Agency, Inc. and its subsidiary, Falcone Associates, Inc. Terms of the deal are not disclosed. Dominick Falcone Agency offers property and casualty insurance services to commercial and personal clients throughout central New York. Falcone Associates focuses on providing services in employee benefits.

Transition to Digital and Automated Solutions Drives Market Growth

The United States insurance brokerage market is growing rapidly due to a transition to digital and automated solutions. The growing penetration of technology into the fields is forcing insurance brokers to embrace digital tools and automation to increase the efficiency of their operations and customer satisfaction. United States-based insurance brokerages can offer more tailored services by using artificial intelligence, machine learning, and data analytics. Processes like claims handling, underwriting, and customer service can be automated, reducing operational costs significantly, reducing manual error, and quickening customer responses. Besides this, the increase in digital channels makes it easier for brokers to extend their market coverage.

Thus, customers are provided with access to compare policies, get quotes, and manage their insurance products through online mediums. This move to digital and automated solutions can facilitate the rising demand for quicker, more transparent, and affordable services by insurance firms, meeting the needs of the increasingly technology-oriented consumers seeking convenience and efficiency. In February 2025, Willis Towers Watson plc released a new Rating, Pricing, and Underwriting accelerator for Guidewire, enhancing its Radar engine. This accelerator makes it easier to integrate Radar with Guidewire's PolicyCenter, enabling carriers to rapidly take advantage of Radar's capabilities by directly importing Guidewire product definitions into Radar's pricing environment.

Life Insurance Segment to Dominate the United States Insurance Brokerage Market

The life insurance segment is most likely to dominate the United States insurance brokerage market due to rising concerns for financial security, retirement planning, and the protection of families. As people become more aware of the significance of life insurance, more people are looking for policies that safeguard their loved ones from any eventuality and make sure that financial resources remain stable during later years. This increased demand for coverage, including term life, whole life, and universal life insurance, makes life insurance the leading market growth driver. Life insurance brokers help the clients navigate through the complexities of the life insurance products, which places them at a position as experts who advise the clients on the most suitable plans according to the individual's needs and financial goals. Besides this, with advancing technology, brokers have been able to use digital platforms and automated tools for easier processes for the consumer, enabling easier comparison of policies, quoting, and handling claims.

This will make them more attractive to technologically savvy buyers and thus make them the ones growing in the sector. As long-term financial requirements make life insurance inevitable, it is going to hold its number one position for further growth within the United States brokerage market, while making life insurance a foundational force for industry expansion in the future. In August 2024, Prudential Financial Inc. rolled out Prudential Momentum IUL, an indexed universal life product issued by Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey (in NY). It is the latest offering to provide customers with the financial flexibility and protection needed to adapt to changing events in life and, at the same time, ensure growth and security.

South Region Dominates the United States Insurance Brokerage Market

The South region is the most dominant force in the United States insurance brokerage market, accounting for a large share of its overall growth and development. The South has a rapidly growing population, diverse industries, and a strong economy, making it a hub for insurance brokerage activities. The thriving sectors in the region, including healthcare, construction, agriculture, and technology, ensure a steady demand for personal and commercial insurance solutions. The South's business-friendly climate, with fewer taxes and an overall pro-business environment, has attracted a lot of insurance companies and brokers. This has increased the market presence of the region. Insurance brokers in the South are capitalizing on this boom by offering an array of special services to help businesses and people in the region meet their distinctive needs.

Of course, the adoption of digital tools and automated solutions has also helped enhance the efficiency of brokerage services while improving customer experience and expanding the reach of brokers. The South continues to lead in market share, with important growth expected as businesses and consumers increasingly turn to insurance brokers for comprehensive coverage and risk management solutions. In January 2025, Willis Towers Watson Plc announced its Investment Management Insurance (IMI) Plus product is now accessible to U.S. clients. First available in July 2024 to clients in the UK and Canada, this exhaustive management and professional policy provides asset managers with integrated protection in simplified management across key areas of risk.

Future Market Scenario (2025 - 2032F)

Delivering more customer-centric and individually customized insurance will become more essential, which brokerage companies will cater to through enhanced consumer awareness of demand for tailormade covers.

More the role of startups such as Insurtech to innovate in this industry through providing innovative technologies and capabilities of using AI, ML, and DA in improving better risk assessment accuracy of prices with increased customer personalization.

The use of integration platforms like ERP systems, APIs, and digital tools is likely to dominate insurance brokers who seek seamless interfaces with the insurer, clients, and third-party services.

Market consolidation is anticipated in the insurance brokerage industry because large companies would seek to expand their services and reach through mergers and acquisitions with smaller entities.

Key Players Landscape and Outlook

The United States insurance brokerage market is fragmented, which means there is a distributed mix of established players and emerging firms with equal chances of gaining market share. This fragmentation alone presents tremendous opportunities for growth as large and small firms continue to make innovations and diversify their offerings to cater to the changing needs of consumers. As the market extends, competition is bound to increase; players differentiate themselves by improving services, increasing technology, or expanding product offerings. This is mainly through mergers and acquisitions (M&A) whereby larger firms acquire smaller players or partners with complementary capabilities with a view to enhancing market presence, streamlining their operations, and broadening service offerings. Such M&A activities are crucial for companies to get a step ahead in this competitive world, which may comprise developing new customer groups, entering new geographic areas, or integrating sophisticated technologies.

The growing focus on digitalization, customized insurance products, and value-added services fuels competition, as companies are competing to better customer experience and refine operational efficiencies. In this dynamic environment, the market is likely to see consolidation of key players, along with larger firms taking a strong position and smaller firms focusing on niche markets and specialty offerings. In January 2025, Hub International Limited, an insurance brokerage and financial services company, announced that it would acquire assets of Woods Insurance Services, Inc. This acquisition will strengthen the Specialty practices of Hub by including the knowledge of Woods Insurance Services in the oil & gas industry with its existing strength and further expansion capabilities.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Product and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Coverage Needs
  • 4.3.2. Cost
  • 4.3.3. Claims Process
  • 4.3.4. Premium Rates
  • 4.3.5. Customization Policies
  • 4.3.6. Discounts and Promotions
  • 4.3.7. Transparency
  • 4.3.8. Compliance and Security
• 4.4. Customer Support
• 4.5. Consideration of Privacy and Regulations

5. United States Insurance Brokerage Market Outlook, 2018-2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Insurance Type
    • 5.2.1.1. Life Insurance
    • 5.2.1.2. Property and Casualty Insurance
    • 5.2.1.3. Health and Medical Insurance
    • 5.2.1.4. Others
  • 5.2.2. By Brokerage Type
    • 5.2.2.1. Retail Brokerage
    • 5.2.2.2. Wholesale Brokerage
  • 5.2.3. By Distribution Channel
    • 5.2.3.1. Online
    • 5.2.3.2. Offline
  • 5.2.4. By End-user
    • 5.2.4.1. BFSI
    • 5.2.4.2. Healthcare
    • 5.2.4.3. Automotive
    • 5.2.4.4. Aviation
    • 5.2.4.5. Others
  • 5.2.5. By Region
    • 5.2.5.1. Northeast
    • 5.2.5.2. Midwest
    • 5.2.5.3. West
    • 5.2.5.4. South
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
• 5.3. Market Map Analysis, 2024
  • 5.3.1. By Insurance Type
  • 5.3.2. By Brokerage Type
  • 5.3.3. By Distribution Channel
  • 5.3.4. By End-user
  • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Premium Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Marsh & McLennan Companies Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Aon plc.
  • 14.3.3. Willis Towers Watson plc.
  • 14.3.4. Lockton Companies LLC
  • 14.3.5. Arthur J. Gallagher & Co.
  • 14.3.6. USI Insurance Services LLC
  • 14.3.7. HUB International Limited
  • 14.3.8. Brown & Brown Inc.
  • 14.3.9. Truist Financial Corporation
  • 14.3.10. U.S. Risk Insurance Group LLC

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer