2010年3月美国保险行业研究报告

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【出版时间及名称】：2010年3月美国保险行业研究报告
        【作者】：摩根大通
        【文件格式】：pdf
        【页数】：91
        【目录或简介】：
About the Survey
The goal of our Property & Casualty Agent and Broker Survey is to provide a
snapshot of the current fundamental trends affecting the insurance industry through
the eyes of independent agents and brokers, the core distribution for most industry
participants. We strive to provide a view of front-line industry fundamentals,
including pricing, terms and conditions, and competitive dynamics. To ensure the
survey is not simply backwards-looking, it also incorporates the expectations of the
participants. In addition, the survey provides insights into how insurance trends are
affecting the business prospects of the agents and brokers themselves.
Consequently, as we discuss below, we have organized the survey into two distinct
“Underwriting” and “Distribution” sections. We recognize that, like all surveys, there
are limitations as to the applicability or relevance of any individual question or data
point to specific participants. As a result, users are encouraged to make use of the
entire survey to come to their own conclusions.
Navigating the Results
Our report presents the results of our P&C Agent & Broker Surveys by question in
two distinct sections: underwriting and distribution. Within each section, we have
further segmented the questions by topic. Users have two options to navigate the
report: (1) use the table of contents below to go directly to the topics of greatest
interest or (2) read from start to finish, which is organized in the same order our
respondents answered. For each question, an overview chart is provided with
summary comments, followed by further breakdowns by product and market, where
applicable. As a result, users can also choose to go through the report at a high level
or focus on specific products or market segments. We note that the distribution
section also includes topics that provide insights into the makeup of the survey
respondents.
Underwriting
Rate Change by Product and Account
QUESTION 1: How do current renewal prices compare with twelve months ago? ....7
QUESTION 2: Are renewal prices changing more or less rapidly versus six months
ago?...........................................................................................................................10
QUESTION 3: How do current renewal prices compare with twelve months ago? ..13
QUESTION 4: Are renewal prices changing more or less rapidly versus six months
ago?...........................................................................................................................15
QUESTION 5: What percentage of your customers are renewing at a LOWER price
versus twelve months ago? ........................................................................................17
QUESTION 6: What percentage of your customers are renewing at a HIGHER price
versus twelve months ago? ........................................................................................19
QUESTION 7: With how many carriers are you currently placing business?...........21
QUESTION 8: How has the number of carriers that you use changed versus six
months ago? ...............................................................................................................23
QUESTION 9: What percentage of your business is placed with non-admitted or
excess and surplus lines carriers?...............................................................................25
QUESTION 10: How has the percentage of business you are placing with nonadmitted
or excess and surplus lines carriers changed over the past six months?......27
QUESTION 11: How has the number of non-admitted or excess and surplus lines
carriers with which you are placing business changed over the past six months? .....29
Terms and Conditions
QUESTION 12: How do the limits offered to your customers differ from twelve
months ago? ...............................................................................................................31
QUESTION 13: How do the deductibles you offer to customers differ from twelve
months ago? ...............................................................................................................34
QUESTION 14: How do the terms and conditions offered to your customers differ
from twelve months ago?...........................................................................................37
QUESTION 15: How does the level of coverage clients are choosing to buy, or
exposures to insure, differ from twelve months ago? ................................................40
Future Rate Change
QUESTION 16: What do you expect to happen to renewal rates in the next twelve
months by line of business? .......................................................................................43
QUESTION 17: What do you expect to happen to renewal rates in the next twelve
months by account size? ............................................................................................46
Competitive Landscape
QUESTION 18: How aggressive are COMMERCIAL writers for new and renewal
business? ....................................................................................................................48
QUESTION 19: How aggressive are PERSONAL writers for new and renewal
business? ....................................................................................................................51
QUESTION 20: How do carriers compare in terms of service versus the average?..54
QUESTION 21: Which are your top five markets; and are you a preferred
agent/broker? .............................................................................................................56
QUESTION 22: With which companies do you plan to increase/decrease your
business over the next twelve months? ......................................................................59
Distribution
Respondent Demographics
QUESTION 1: In which region(s) do you operate?...................................................61
QUESTION 2: Does your company operate as an agency or a brokerage?...............62
QUESTION 3: For which markets are you licensed to do business?.........................63
QUESTION 4: How much premium does your office place annually?.....................64
Business Activity
QUESTION 5: What percent of your business (in premiums) comes from the
following lines?..........................................................................................................65
QUESTION 6: Versus twelve months ago, are business levels higher or lower?......67
QUESTION 7: In the next twelve months, do you expect business levels to be higher
or lower? ....................................................................................................................69
QUESTION 8: What percentage of your business comes from the following
markets?.....................................................................................................................71
QUESTION 9: Versus twelve months ago, are business levels higher or lower?......72
QUESTION 10: Over the next twelve months, do you expect business levels to be
higher or lower? .........................................................................................................73
Commission and Margin Trends
QUESTION 11: Does your company accept contingent/supplemental commissions?
..................................................................................................................................74
QUESTION 12: What percentage of your commission revenue comes from
contingent/ supplemental commissions?....................................................................75
QUESTION 13: What are the average current commission ratios (new and renewal)
by market? .................................................................................................................76
QUESTION 14: Versus twelve months ago, are average commission ratios higher or
lower? ........................................................................................................................78
QUESTION 15: Over the next twelve months, do you expect commission ratios to be
higher or lower? .........................................................................................................80
QUESTION 16: How do margins compare by account size? ....................................82
Business Issues
QUESTION 17: What are the biggest challenges your company faces today? .........84
QUESTION 18: From what other distribution channels are you seeing the greatest
competition by line of business?................................................................................85
QUESTION 19: Has your company been approached to sell its business in the past
twelve months? ..........................................................................................................86
QUESTION 20: Versus twelve months ago, is your interest in selling higher or
lower? ........................................................................................................................87
QUESTION 21: How do carriers compare in terms of value-added service versus the
average? .....................................................................................................................88

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