商業保険の市場規模、シェア、成長分析、保険タイプ別、産業別、用途別、最終用途別、地域別 - 産業予測、2025-2032年

商業保険市場規模は2023年に8,573億米ドルと評価され、2024年の9,396億米ドルから2032年には1兆9,562億7,000万米ドルに成長し、予測期間（2025-2032年）のCAGRは9.6％で成長する見通しです。

世界の商業保険市場は、気候変動による自然災害の頻度と深刻度の上昇の影響を大きく受けています。ハリケーンや山火事のような異常気象が頻発するにつれ、企業は経済的損失の増大に直面し、物的損害や賠償責任に関するリスクを軽減するために包括的な保険を求めるようになっています。保険会社は収益性を確保するため、保険商品の拡充、リスクモデルの調整、保険料率の引き上げなどで対応し、市場の需要を喚起しています。高リスク地域における規制の圧力も、保険加入を不可欠なものにしています。同時に、AI、ビッグデータ、ブロックチェーンによる引受・クレーム管理のデジタル変革が、リスク評価と顧客体験を強化しています。このような技術的進歩により、保険会社は業務コストを削減しながら、ニーズに合ったソリューションを提供することが可能となり、市場競争の情勢が形成されています。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析

商業保険市場規模：保険タイプ別

• 市場概要
• 賠償責任
• 海洋
• 財産
• 自動車

商業保険市場規模：産業別

• 市場概要
• 建設
• 運輸・物流
• ヘルスケア
• エネルギー・公益事業
• 製造業
• IT・通信
• その他

商業保険市場規模：用途別

• 市場概要
• 中小企業
• 大企業

商業保険市場規模：最終用途別

• 市場概要
• IT・通信
• ヘルスケア
• エネルギー・ユーティリティ
• ロジスティクス
• 製造業
• 建設
• その他

商業保険市場規模

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022-2024年）

主要企業プロファイル

• AXA S.A.（France）
• Allianz SE（Germany）
• China Life Insurance Company Ltd.（China）
• Berkshire Hathaway Inc.（USA）
• Prudential plc（UK）
• Zurich Insurance Group Ltd.（Switzerland）
• Japan Post Holdings Co., Ltd.（Japan）
• MetLife, Inc.（USA）
• Ping An Insurance（Group）Company of China, Ltd.（China）
• American International Group, Inc.（AIG）（USA）
• Munich Re（Germany）
• Aviva plc（UK）
• Legal & General Group plc（UK）
• Generali Group（Italy）
• Sompo Holdings, Inc.（Japan）
• Travelers Companies, Inc.（USA）
• Swiss Re Ltd.（Switzerland）
• Mapfre S.A.（Spain）
• Liberty Mutual Holding Company Inc.（USA）

結論と提言

Commercial Insurance Market size was valued at USD 857.3 billion in 2023 and is poised to grow from USD 939.6 billion in 2024 to USD 1956.27 billion by 2032, growing at a CAGR of 9.6% during the forecast period (2025-2032).

The global commercial insurance market is significantly influenced by the rising frequency and severity of natural disasters, driven by climate change. As extreme weather events like hurricanes and wildfires become more common, businesses face escalating financial losses, prompting them to seek comprehensive insurance to mitigate risks related to property damage and liability. Insurers are responding by expanding their offerings, adjusting risk models, and raising premium rates to ensure profitability, thereby fueling market demand. Regulatory pressures in high-risk areas are also making insurance coverage imperative. Concurrently, digital transformation in underwriting and claims management, through AI, big data, and blockchain, is enhancing risk assessment and customer experience. This technological advancement allows insurers to provide tailored solutions while reducing operational costs, thereby shaping a competitive market landscape.

Top-down and bottom-up approaches were used to estimate and validate the size of the Commercial Insurance market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Commercial Insurance Market Segments Analysis

Global Commercial Insurance Market is segmented by Insurance Type, Industry, Application, End-use and region. Based on Insurance Type, the market is segmented into Liability, Marine, Property and Motor. Based on Industry, the market is segmented into Construction, Transportation & Logistics, Healthcare, Energy & Utilities, Manufacturing, IT & Telecom and Others. Based on Application, the market is segmented into Small and Medium-sized Enterprises and Large Enterprises. Based on End-use, the market is segmented into IT & Telecom, Healthcare, Energy & Utility, Logistics, Manufacturing, Construction and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Commercial Insurance Market

The commercial insurance market is being significantly influenced by the rising incidence of cyberattacks and data breaches, leading to a surge in the demand for cyber insurance globally. As organizations increasingly digitize their operations, insurance providers are enhancing their offerings by creating AI-driven risk assessment models to better evaluate potential vulnerabilities. Additionally, regulatory frameworks aimed at data protection, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), are prompting businesses to prioritize investments in robust cyber liability coverage. Consequently, the interplay of these factors is shaping the dynamics of the commercial insurance landscape.

Restraints in the Commercial Insurance Market

The global commercial insurance market faces considerable restraints due to the prevalence of fraudulent claims and escalating cyber threats. Insurers are compelled to allocate substantial resources towards advanced fraud detection systems and robust cybersecurity measures, resulting in heightened operational expenses. Additionally, the intricate nature of digital threats complicates risk evaluation processes, which can lead to potential underwriting losses and an increase in claim payouts. These challenges create a financially demanding environment for insurers, ultimately impacting their ability to maintain profitability and offer competitive coverage options in the marketplace. As a result, managing these risks becomes imperative for sustaining market growth.

Market Trends of the Commercial Insurance Market

The Commercial Insurance market is witnessing a significant trend towards data-driven risk management solutions, exemplified by companies like Parsyl. Established in 2017, Parsyl leverages sensor technology to monitor temperature-sensitive shipments, introducing a transformative approach to marine insurance. By integrating real-time data analytics with insurance offerings, Parsyl enhances visibility into supply chain conditions, thereby mitigating risks associated with spoilage and product integrity. The growing emphasis on granular data has enabled insurers to refine their risk assessment models, resulting in more tailored policies and competitive premiums. This shift underscores the industry's evolution toward innovative, technology-supported practices that strengthen supply chain resilience and minimize financial losses.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global Commercial Insurance Market Size by Insurance Type & CAGR (2025-2032)

• Market Overview
• Liability
• Marine
• Property
• Motor

Global Commercial Insurance Market Size by Industry & CAGR (2025-2032)

• Market Overview
• Construction
• Transportation & Logistics
• Healthcare
• Energy & Utilities
• Manufacturing
• IT & Telecom
• Others

Global Commercial Insurance Market Size by Application & CAGR (2025-2032)

• Market Overview
• Small and Medium-sized Enterprises
• Large Enterprises

Global Commercial Insurance Market Size by End-use & CAGR (2025-2032)

• Market Overview
• IT & Telecom
• Healthcare
• Energy & Utility
• Logistics
• Manufacturing
• Construction
• Others

Global Commercial Insurance Market Size & CAGR (2025-2032)

• North America (Insurance Type, Industry, Application, End-use)
  • US
  • Canada
• Europe (Insurance Type, Industry, Application, End-use)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Insurance Type, Industry, Application, End-use)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Insurance Type, Industry, Application, End-use)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Insurance Type, Industry, Application, End-use)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• AXA S.A. (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Allianz SE (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• China Life Insurance Company Ltd. (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Berkshire Hathaway Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Prudential plc (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zurich Insurance Group Ltd. (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Japan Post Holdings Co., Ltd. (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• MetLife, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Ping An Insurance (Group) Company of China, Ltd. (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• American International Group, Inc. (AIG) (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Munich Re (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Aviva plc (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Legal & General Group plc (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Generali Group (Italy)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Sompo Holdings, Inc. (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Travelers Companies, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Swiss Re Ltd. (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mapfre S.A. (Spain)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Liberty Mutual Holding Company Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations