Non-Life Insurance Brokers in South Africa forms part of a series of reports about the distribution of non-life insurance in 20 countries featuring (in Europe) Austria, Belgium, Denmark, Germany, France, Ireland, Italy, the Netherlands, Norway, Poland, Portugal, Spain, Sweden, Switzerland and the UK, and (in selected global markets) Australia, Brazil, Canada, China and the USA.
Some of the key questions these reports answer include:
How large is the non-life insurance market in each country?
- Gross written premiums (GWP) segmented between the five categories of motor, property, liability, MAT, and other forms of non-life insurance such as legal protection and surety
- GWP segmented between personal and commercial lines (with commercial lines split further between corporates and SMEs)
Which lines of business have grown fastest since 2016?
- shows compound annual growth rates for 2016 to 2020
What is the share of non-life insurance premiums distributed by brokers in 2020?
- includes revenue earned by brokers for broking activities and percentage share of the distribution chain
The following graphic gives an example of the data provided by this report, showing the percentage of GWP intermediated by brokers for non-life insurance:
![Share of premiums handled by brokers ranges from 50% for personal customers to 60% for SMEs and 89% for corporate customers](data:image/png;base64,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)
Further questions addressed include:
- What are the revenues earned by non-life insurance broking?
- How do broking revenues split between personal and commercial product lines?
- How concentrated is the non-life broking market?
- Which non-life brokers are a member of an international broker network?
Based on extensive primary research covering all substantial broking entities in the country,
Non-Life Insurance Brokers in the South Africa‘s accompanying BrokerBASE ranks the leading 40 brokers according to their approximate revenues derived from commercial and personal non-life insurance.
For further information about this research, please access the table of contents and series prospectus by clicking on the corresponding links to the left-hand side of this page, or e-mail
[email protected].