Distribution of Commercial Non-Life Insurance in Germany

Distribution of Commercial Non-Life Insurance in Germany forms part of a series of ten reports about the distribution of commercial non-life insurance in selected global markets: Australia, Brazil, Canada, China, France, Germany, Italy, Spain, the UK and the USA.

The report provides an in-depth look at how premiums are divided between key distribution channels, as defined as the ultimate entity that brings business to an underwriter. They also offer an analysis of the complex market chains through which business flows from clients to underwriters.The report provides the following detail:
Data for the proportion of the commercial non-life (P&C) market distributed by five channels: 

5. brokers
5. direct sales
5. agents
5. managing general agents (MGAs)
6. other channels

Segmentation of these proportions into five major insurance product lines: 

5. commercial motor
5. commercial property
5. commercial liability
5. commercial MAT
6. commercial other

Commercial liability, commercial MAT and other commercial lines are further segmented into the following sub-products:

• D&O, environmental liability, medical malpractice, professional indemnity, workers' compensation and other liability
• aviation, goods-in-transit and marine
• cyber, legal protection, political risk, surety, and trade credit

Sample graphic:



This is the first time that Finaccord has published a series specifically examining the distribution of commercial non-life insurance across multiple lines of business. The research is compelling, combining market size data from Market³ (Finaccord’s proprietary market size model) with findings from a survey of 992 brokers and underwriters across the ten countries featured in this series.

The report further includes a segmentation of distribution channel share data by customer size, and a comparison of how distribution varies by major product lines and by sub-product between micro, small and medium-sized enterprises (SMEs) on the one hand and large / very large customers on the other. Finally, it includes a cross-tabulation of distribution channels:

• by customer activity (18 categories such as Energy and power, Professional services and Real estate)
• by the five major product lines

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].