賠償責任保険市場- 世界の産業規模、シェア、動向、機会、予測、補償タイプ別、用途別、企業タイプ別（大企業、中小企業）、地域別、競合別、2020-2030F

賠償責任保険の世界市場規模は2024年に2,904億6,000万米ドルで、予測期間中のCAGRは6.75%で2030年には4,283億3,000万米ドルに達すると予測されています。

賠償責任保険は、訴訟やクレームが発生した場合に被保険者やそのビジネスを保護するために設計された包括的な補償です。被保険者の事業が他人やその財産に対人・対物損害を与えた場合の賠償請求をカバーします。さらに、被保険者が引き起こした事故、または被保険者が責任を負った事故による損害の修理費用をカバーします。賠償責任保険は、機械の欠陥やその他の事故による人身傷害などのビジネスリスクを最小限に抑えるのに役立ちます。また、アンブレラ賠償責任保険は通常業務から生じるクレームに直面する企業にとって極めて重要であるため、被保険者の自己負担額を軽減することができます。補償がなければ、被保険者は保険金を自己負担しなければならず、事業が財政的に危うくなる可能性があります。新興諸国における第三者賠償責任保険の認知度の向上は、賠償責任保険市場の成長を促進する主な要因の一つです。

市場促進要因

リスク管理に対する意識の高まり

主な課題

クレーム頻度と深刻度の上昇

主要市場動向

サイバーテーマの台頭

目次

第1章 イントロダクション

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声分析

• ブランド認知度
• 購入決定に影響を与える要因

第5章 世界の賠償責任保険市場展望

• 市場規模・予測
  • 金額別
• 市場シェア・予測
  • 補償内容別（一般賠償責任保険、専門職賠償責任保険、製造物賠償責任保険、サイバー賠償責任保険）
  • エンドユーザー別（個人、商用）
  • 企業種別（大企業、中小企業）
  • 地域別
  • 企業別（2024）
• 市場マップ

第6章 北米の賠償責任保険市場展望

• 市場規模・予測
• 市場シェア・予測
• 北米：国別分析
  • 米国
  • カナダ
  • メキシコ

第7章 欧州の賠償責任保険市場展望

• 市場規模・予測
• 市場シェア・予測
• 欧州：国別分析
  • フランス
  • ドイツ
  • スペイン
  • イタリア
  • 英国

第8章 アジア太平洋地域の賠償責任保険市場展望

• 市場規模・予測
• 市場シェア・予測
• アジア太平洋地域：国別分析
  • 中国
  • 日本
  • インド
  • ベトナム
  • 韓国

第9章 中東・アフリカの賠償責任保険市場展望

• 市場規模・予測
• 市場シェア・予測
• 中東・アフリカ：国別分析
  • 南アフリカ
  • サウジアラビア
  • アラブ首長国連邦
  • トルコ
  • クウェート
  • エジプト

第10章 南米の賠償責任保険市場展望

• 市場規模・予測
• 市場シェア・予測
• 南米：国別分析
  • ブラジル
  • アルゼンチン
  • コロンビア

第11章 市場力学

• 促進要因
• 課題

第12章 市場動向と発展

• 合併と買収
• 製品の発売
• 最近の動向

第13章 ポーターのファイブフォース分析

• 業界内の競合
• 新規参入の可能性
• サプライヤーの力
• 顧客の力
• 代替品の脅威

第14章 競合情勢

• 企業プロファイル
  • American International Group Inc.
  • Allianz SE
  • AXA SA
  • CNA Financial Corporation
  • Chubb Limited
  • IFFCO-Tokio General Insurance Company Limited
  • Liberty General Insurance Limited
  • The Hartford
  • The Travelers Indemnity Company
  • Zurich American Insurance Company

第15章 戦略的提言

第16章 調査会社について・免責事項

The global Liability Insurance Market was valued at USD 290.46 Billion in 2024 and is expected to reach USD 428.33 Billion by 2030 with a CAGR of 6.75% during the forecast period. Liability insurance is a comprehensive coverage designed to protect the insured or their business in the event of a lawsuit or claim. It covers claims if the insured's business causes bodily injury or property damage to others or their property. Additionally, it helps cover the costs of repairs for damages resulting from an accident caused by the insured or for which they are held responsible. Liability insurance helps minimize business risks, such as bodily injury caused by faulty machinery or other incidents. It also reduces out-of-pocket expenses for the insured, as umbrella liability insurance is crucial for businesses facing claims arising from normal operations. Without coverage, the insured would have to pay for claims out-of-pocket, which could financially jeopardize the business. The increasing awareness of third-party liability insurance in developing countries is one of the key factors driving the growth of the liability insurance market.

Market Drivers

Growing Awareness of Risk Management

One of the primary drivers of the liability insurance market is the increasing awareness of the importance of risk management. In today's complex business environment, organizations, large and small, face numerous risks, ranging from product defects to accidents on their premises, to cyber-attacks. This has led to a growing recognition that liability insurance is essential for mitigating potential legal and financial consequences from unforeseen events. Companies are becoming more proactive in managing their risks and are increasingly aware that not having adequate insurance coverage could lead to catastrophic financial losses. As businesses expand and diversify, the range of risks they encounter also grows, further driving the demand for comprehensive liability insurance solutions. Liability insurance provides financial protection in case a company is sued for negligence, mistakes, or accidents. This is particularly critical for industries like construction, healthcare, and manufacturing, where the likelihood of third-party claims is higher. As such, business owners are investing more in risk mitigation strategies, with liability insurance being an integral part of those efforts. Moreover, heightened consumer awareness of safety and environmental standards has also influenced the demand for such coverage, as businesses must meet specific legal and regulatory requirements to avoid potential lawsuits.

Key Market Challenges

Rising Claims Frequency and Severity

One of the major challenges facing the liability insurance market is the increasing frequency and severity of claims. As legal environments become more litigious and public awareness of rights grows, individuals and organizations are more likely to file claims against businesses. This trend is particularly pronounced in industries such as healthcare, manufacturing, and construction, where accidents, negligence, or product defects are more likely to occur. The frequency of claims has put pressure on insurance providers to reassess their risk management strategies. Additionally, the cost of settlements and payouts for claims has risen, contributing to higher premiums for businesses seeking coverage. In some cases, the damages awarded in liability claims have been astronomical, which makes underwriting these policies more difficult and expensive for insurers. The growing unpredictability of claim costs further complicates the liability insurance landscape, as insurers must balance offering competitive premiums with protecting themselves from financial exposure.

Key Market Trends

Rise of Cyber Liability Insurance

One of the major trends in the liability insurance market is the rapid growth of cyber liability insurance. With the increasing frequency and severity of cyberattacks, including data breaches, ransomware, and hacking, businesses are becoming more aware of the importance of protecting themselves from cyber-related risks. The digital transformation of industries, increased reliance on cloud storage, and the expansion of e-commerce have exposed companies to new and evolving cybersecurity threats. Cyber liability insurance is designed to protect businesses from financial losses related to cyberattacks, including data breaches, loss of customer data, business interruption, and legal costs from lawsuits resulting from a breach. As organizations collect and store more sensitive personal information, the need for robust protection against cyber incidents is becoming a priority. Insurers are responding to this trend by creating specialized policies tailored to the unique risks posed by cyber threats. Additionally, as businesses face more stringent data protection regulations, including GDPR in the European Union, there is growing demand for insurance that ensures compliance and mitigates the financial risks associated with potential regulatory fines.

Key Market Players

• American International Group Inc.
• Allianz SE
• AXA SA
• CNA Financial Corporation
• Chubb Limited
• IFFCO-Tokio General Insurance Company Limited
• Liberty General Insurance Limited
• The Hartford
• The Travelers Indemnity Company
• Zurich American Insurance Company

Report Scope:

In this report, the global Liability Insurance Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Liability Insurance Market, By Coverage Type:

• General Liability Insurance
• Professional Liability Insurance
• Product Liability Insurance
• Cyber Liability Insurance

* Liability Insurance Market, By End User:

• Individual
• Commercial

* Liability Insurance Market, By Enterprise Type:

• Large Enterprises
• Small and Medium-Sized Enterprise (SMEs)

* Liability Insurance Market, By Region:

• North America
  • United States
  • Canada
  • Mexico
• Europe
  • France
  • Germany
  • Spain
  • Italy
  • United Kingdom
• Asia-Pacific
  • China
  • Japan
  • India
  • Vietnam
  • South Korea
• Middle East & Africa
  • South Africa
  • Saudi Arabia
  • UAE
  • Turkey
  • Kuwait
  • Egypt
• South America
  • Brazil
  • Argentina
  • Colombia

Competitive Landscape

Company Profiles: Detailed analysis of the major companies presents in the global Liability Insurance Market.

Available Customizations:

Global Liability Insurance Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

• Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Introduction

• 1.1. Product Overview
• 1.2. Key Highlights of the Report
• 1.3. Market Coverage
• 1.4. Market Segments Covered
• 1.5. Research Tenure Considered

2. Research Methodology

• 2.1. Methodology Landscape
• 2.2. Objective of the Study
• 2.3. Baseline Methodology
• 2.4. Formulation of the Scope
• 2.5. Assumptions and Limitations
• 2.6. Sources of Research
• 2.7. Approach for the Market Study
• 2.8. Methodology Followed for Calculation of Market Size & Market Shares
• 2.9. Forecasting Methodology

3. Executive Summary

• 3.1. Overview of the Market
• 3.2. Overview of Key Market Segmentations
• 3.3. Overview of Key Market Players
• 3.4. Overview of Key Regions
• 3.5. Overview of Market Drivers, Challenges, and Trends

4. Voice of Customer Analysis

• 4.1. Brand Awareness
• 4.2. Factor Influencing Purchasing Decision

5. Global Liability Insurance Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Coverage Type (General Liability Insurance, Professional Liability Insurance, Product Liability Insurance, Cyber Liability Insurance)
  • 5.2.2. By End-User (Individual, Commercial)
  • 5.2.3. By Enterprise Type (Large Enterprises, Small and Medium-Sized Enterprise (SMEs)
  • 5.2.4. By Region
  • 5.2.5. By Company (2024)
• 5.3. Market Map

6. North America Liability Insurance Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Coverage Type
  • 6.2.2. By End-User
  • 6.2.3. By Enterprise Type
  • 6.2.4. By Country
• 6.3. North America: Country Analysis
  • 6.3.1. United States Liability Insurance Market Outlook
    • 6.3.1.1. Market Size & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share & Forecast
      • 6.3.1.2.1. By Coverage Type
      • 6.3.1.2.2. By End-User
      • 6.3.1.2.3. By Enterprise Type
  • 6.3.2. Canada Liability Insurance Market Outlook
    • 6.3.2.1. Market Size & Forecast
      • 6.3.2.1.1. By Value
    • 6.3.2.2. Market Share & Forecast
      • 6.3.2.2.1. By Coverage Type
      • 6.3.2.2.2. By End-User
      • 6.3.2.2.3. By Enterprise Type
  • 6.3.3. Mexico Liability Insurance Market Outlook
    • 6.3.3.1. Market Size & Forecast
      • 6.3.3.1.1. By Value
    • 6.3.3.2. Market Share & Forecast
      • 6.3.3.2.1. By Coverage Type
      • 6.3.3.2.2. By End-User
      • 6.3.3.2.3. By Enterprise Type

7. Europe Liability Insurance Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Coverage Type
  • 7.2.2. By End-User
  • 7.2.3. By Enterprise Type
  • 7.2.4. By Country
• 7.3. Europe: Country Analysis
  • 7.3.1. France Liability Insurance Market Outlook
    • 7.3.1.1. Market Size & Forecast
      • 7.3.1.1.1. By Value
    • 7.3.1.2. Market Share & Forecast
      • 7.3.1.2.1. By Coverage Type
      • 7.3.1.2.2. By End-User
      • 7.3.1.2.3. By Enterprise Type
  • 7.3.2. Germany Liability Insurance Market Outlook
    • 7.3.2.1. Market Size & Forecast
      • 7.3.2.1.1. By Value
    • 7.3.2.2. Market Share & Forecast
      • 7.3.2.2.1. By Coverage Type
      • 7.3.2.2.2. By End-User
      • 7.3.2.2.3. By Enterprise Type
  • 7.3.3. Spain Liability Insurance Market Outlook
    • 7.3.3.1. Market Size & Forecast
      • 7.3.3.1.1. By Value
    • 7.3.3.2. Market Share & Forecast
      • 7.3.3.2.1. By Coverage Type
      • 7.3.3.2.2. By End-User
      • 7.3.3.2.3. By Enterprise Type
  • 7.3.4. Italy Liability Insurance Market Outlook
    • 7.3.4.1. Market Size & Forecast
      • 7.3.4.1.1. By Value
    • 7.3.4.2. Market Share & Forecast
      • 7.3.4.2.1. By Coverage Type
      • 7.3.4.2.2. By End-User
      • 7.3.4.2.3. By Enterprise Type
  • 7.3.5. United Kingdom Liability Insurance Market Outlook
    • 7.3.5.1. Market Size & Forecast
      • 7.3.5.1.1. By Value
    • 7.3.5.2. Market Share & Forecast
      • 7.3.5.2.1. By Coverage Type
      • 7.3.5.2.2. By End-User
      • 7.3.5.2.3. By Enterprise Type

8. Asia-Pacific Liability Insurance Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Coverage Type
  • 8.2.2. By End-User
  • 8.2.3. By Enterprise Type
  • 8.2.4. By Country
• 8.3. Asia-Pacific: Country Analysis
  • 8.3.1. China Liability Insurance Market Outlook
    • 8.3.1.1. Market Size & Forecast
      • 8.3.1.1.1. By Value
    • 8.3.1.2. Market Share & Forecast
      • 8.3.1.2.1. By Coverage Type
      • 8.3.1.2.2. By End-User
      • 8.3.1.2.3. By Enterprise Type
  • 8.3.2. Japan Liability Insurance Market Outlook
    • 8.3.2.1. Market Size & Forecast
      • 8.3.2.1.1. By Value
    • 8.3.2.2. Market Share & Forecast
      • 8.3.2.2.1. By Coverage Type
      • 8.3.2.2.2. By End-User
      • 8.3.2.2.3. By Enterprise Type
  • 8.3.3. India Liability Insurance Market Outlook
    • 8.3.3.1. Market Size & Forecast
      • 8.3.3.1.1. By Value
    • 8.3.3.2. Market Share & Forecast
      • 8.3.3.2.1. By Coverage Type
      • 8.3.3.2.2. By End-User
      • 8.3.3.2.3. By Enterprise Type
  • 8.3.4. Vietnam Liability Insurance Market Outlook
    • 8.3.4.1. Market Size & Forecast
      • 8.3.4.1.1. By Value
    • 8.3.4.2. Market Share & Forecast
      • 8.3.4.2.1. By Coverage Type
      • 8.3.4.2.2. By End-User
      • 8.3.4.2.3. By Enterprise Type
  • 8.3.5. South Korea Liability Insurance Market Outlook
    • 8.3.5.1. Market Size & Forecast
      • 8.3.5.1.1. By Value
    • 8.3.5.2. Market Share & Forecast
      • 8.3.5.2.1. By Coverage Type
      • 8.3.5.2.2. By End-User
      • 8.3.5.2.3. By Enterprise Type

9. Middle East & Africa Liability Insurance Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Coverage Type
  • 9.2.2. By End-User
  • 9.2.3. By Enterprise Type
  • 9.2.4. By Country
• 9.3. MEA: Country Analysis
  • 9.3.1. South Africa Liability Insurance Market Outlook
    • 9.3.1.1. Market Size & Forecast
      • 9.3.1.1.1. By Value
    • 9.3.1.2. Market Share & Forecast
      • 9.3.1.2.1. By Coverage Type
      • 9.3.1.2.2. By End-User
      • 9.3.1.2.3. By Enterprise Type
  • 9.3.2. Saudi Arabia Liability Insurance Market Outlook
    • 9.3.2.1. Market Size & Forecast
      • 9.3.2.1.1. By Value
    • 9.3.2.2. Market Share & Forecast
      • 9.3.2.2.1. By Coverage Type
      • 9.3.2.2.2. By End-User
      • 9.3.2.2.3. By Enterprise Type
  • 9.3.3. UAE Liability Insurance Market Outlook
    • 9.3.3.1. Market Size & Forecast
      • 9.3.3.1.1. By Value
    • 9.3.3.2. Market Share & Forecast
      • 9.3.3.2.1. By Coverage Type
      • 9.3.3.2.2. By End-User
      • 9.3.3.2.3. By Enterprise Type
  • 9.3.4. Turkey Liability Insurance Market Outlook
    • 9.3.4.1. Market Size & Forecast
      • 9.3.4.1.1. By Value
    • 9.3.4.2. Market Share & Forecast
      • 9.3.4.2.1. By Coverage Type
      • 9.3.4.2.2. By End-User
      • 9.3.4.2.3. By Enterprise Type
  • 9.3.5. Kuwait Liability Insurance Market Outlook
    • 9.3.5.1. Market Size & Forecast
      • 9.3.5.1.1. By Value
    • 9.3.5.2. Market Share & Forecast
      • 9.3.5.2.1. By Coverage Type
      • 9.3.5.2.2. By End-User
      • 9.3.5.2.3. By Enterprise Type
  • 9.3.6. Egypt Liability Insurance Market Outlook
    • 9.3.6.1. Market Size & Forecast
      • 9.3.6.1.1. By Value
    • 9.3.6.2. Market Share & Forecast
      • 9.3.6.2.1. By Coverage Type
      • 9.3.6.2.2. By End-User
      • 9.3.6.2.3. By Enterprise Type

10. South America Liability Insurance Market Outlook

• 10.1. Market Size & Forecast
  • 10.1.1. By Value
• 10.2. Market Share & Forecast
  • 10.2.1. By Coverage Type
  • 10.2.2. By End-User
  • 10.2.3. By Enterprise Type
  • 10.2.4. By Country
• 10.3. South America: Country Analysis
  • 10.3.1. Brazil Liability Insurance Market Outlook
    • 10.3.1.1. Market Size & Forecast
      • 10.3.1.1.1. By Value
    • 10.3.1.2. Market Share & Forecast
      • 10.3.1.2.1. By Coverage Type
      • 10.3.1.2.2. By End-User
      • 10.3.1.2.3. By Enterprise Type
  • 10.3.2. Argentina Liability Insurance Market Outlook
    • 10.3.2.1. Market Size & Forecast
      • 10.3.2.1.1. By Value
    • 10.3.2.2. Market Share & Forecast
      • 10.3.2.2.1. By Coverage Type
      • 10.3.2.2.2. By End-User
      • 10.3.2.2.3. By Enterprise Type
  • 10.3.3. Colombia Liability Insurance Market Outlook
    • 10.3.3.1. Market Size & Forecast
      • 10.3.3.1.1. By Value
    • 10.3.3.2. Market Share & Forecast
      • 10.3.3.2.1. By Coverage Type
      • 10.3.3.2.2. By End-User
      • 10.3.3.2.3. By Enterprise Type

11. Market Dynamics

• 11.1. Drivers
• 11.2. Challenges

12. Market Trends & Developments

• 12.1. Merger & Acquisition (If Any)
• 12.2. Product Launches (If Any)
• 12.3. Recent Developments

13. Porters Five Forces Analysis

• 13.1. Competition in the Industry
• 13.2. Potential of New Entrants
• 13.3. Power of Suppliers
• 13.4. Power of Customers
• 13.5. Threat of Substitute Products

14. Competitive Landscape

• 14.1. Company Profiles
  • 14.1.1. American International Group Inc.
    • 14.1.1.1. Business Overview
    • 14.1.1.2. Company Snapshot
    • 14.1.1.3. Products & Services
    • 14.1.1.4. Financials (As Per Availability)
    • 14.1.1.5. Key Market Focus & Geographical Presence
    • 14.1.1.6. Recent Developments
    • 14.1.1.7. Key Management Personnel
  • 14.1.2. Allianz SE
  • 14.1.3. AXA SA
  • 14.1.4. CNA Financial Corporation
  • 14.1.5. Chubb Limited
  • 14.1.6. IFFCO-Tokio General Insurance Company Limited
  • 14.1.7. Liberty General Insurance Limited
  • 14.1.8. The Hartford
  • 14.1.9. The Travelers Indemnity Company
  • 14.1.10. Zurich American Insurance Company

15. Strategic Recommendations

16. About Us & Disclaimer