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市場調查報告書
美國IT供應商產物保險業指南（2010年）
2010 Guide to the US Property & Casualty Industry for Technology Providers (Industry Dynamics)
| 出版商 |
Datamonitor |
| 出版日期 |
2010年07月 |
商品編碼 |
125998 |
| 內容資訊 |
英文 Pages: 28 |
| 價格 |
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美國IT供應商產物保險業指南（2010年） 是由出版商Datamonitor在2010年07月所出版的。
這份英文市場調查報告書包含Pages: 28 價格從美金3995起跳。
美國產物保險產業因金融風暴使利潤減少，法規更趨嚴格。2010年颶風季節雖與2005年時程度相同，但市場低迷使保險費利潤預計將不會有增加之機會。
本報告為，考證美國產物保險產業概要及IT供應商機會，以下列摘要形式闡述。
概要
美國產物保險產業審慎樂觀
- 百億之美國產物保險產業展望
- 美國產物保險產業策略面及業務面之重要性
影響美國產物保險產業因素增強
能否獲得高利潤成長為美國產物保險產業最大課題
- 美國產物保險產業重視傳統性成本及承諾
- 政治人物參與美國產物保險產業，力圖提升其高利潤
IT為啟動美國產物保險產業之引擎
- 需要IT支援之6個商業機會
- 其各自機會將可提升IT之應用
對IT供應商建議
- 必須要有具差異之商品價值
- 認識IT及產物保險產業改變速度之不同
- 證明美國產物保險產業之企業知識
- 提供模塊化解決方案或領航員
附錄
圖表
Abstract
Introduction
The US P&C insurance industry is being battered on several fronts. Revenue is
lower than it was before the financial crisis. The regulatory situation is
becoming more burdensome. The 2010 hurricane season may be as active as 2005
when Hurricane Katrina hit. Moreover with the ongoing soft market, P&C
insurers do not see any premium revenue lift in the immediate future.
Scope
- US Property & Casualty insurance industry
- This report covers opportunities for technology providers selling to the
US P&C insurance industry
Highlights
The market forces impacting the US P&C insurance industry are intensifying.
Finding profitable growth is the US P&C insurance industry' s greatest
challenge.
Technology firms must have a truly differentiated value proposition to get the
attention of P&C insurers who are, by nature, slow to replace existing
providers or adopt new technology.
Reasons to Purchase
- This research identifies opportunities for technology providers selling to
the US P&C insurance industry
- This research provides a primer for technology salespeople unfamiliar with
the US P&C insurance industry
Table of Contents
SUMMARY
- Catalyst
- Ovum View
- Key Messages
THE US PROPERTY & CASUALTY INSURANCE INDUSTRY IS CAUTIOUSLY OPTIMISTIC
- A high-level view of the multi-billion dollar US P&C insurance industry
- P&C insurance is a multi-faceted product
- P&C insurers discuss the retail and corporate markets in different terms
than L&A insurers
- Personal and commercial P&C insurance customers have similar reasons for
purchasing coverage
- Automobile insurance dominates the total P&C insurance market
- P&C insurers generate revenue from customers and investments
- P&C insurers use metrics focusing on losses and expenses to get a sense of
profitability
- The high-level strategic and operational aspects of the P&C insurance
industry illustrate the essence of the industry
THE MARKET FORCES IMPACTING THE US P&C INSURANCE INDUSTRY ARE INTENSIFYING
- P&C insurers are continually impacted by major market forces
FINDING PROFITABLE GROWTH IS THE P&C INSURANCE INDUSTRY' S GREATEST CHALLENGE
- P&C insurance companies have traditionally focused on costs and compliance
- The US P&C insurance industry market maps illustrating participants such
as policyholders, prospects and producers provide sign posts to profitable
growth
TECHNOLOGY IS THE ENGINE THAT ENABLES THE US P&C INSURANCE INDUSTRY
- There are six major areas of business opportunities requiring technology
support
- Each of the business opportunities can be explored for potential
technology applications
RECOMMENDATIONS FOR TECHNOLOGY PROVIDERS
- Have a truly differentiated value proposition
- Realize the differences of the speed of change between the technology and
P&C insurance industries
- Demonstrate US P&C insurance industry business knowledge
- Offer modular solutions or pilots
APPENDIX
- Ask the analyst
- Definitions
- Further reading
- Ovum Consulting
- Disclaimer
List of Figures
- Figure 1: Top five countries by P&C direct premiums written, 2008 (US $
billions)
- Figure 2: Terms that P&C and L&A insurers use to describe the retail and
corporate markets
- Figure 3: P&C insurance is sold to both individual and corporate clients
- Figure 4: Percent of top five US P&C insurance lines of business, 2008
written premium
- Figure 5: Where the P&C insurance company revenue dollar goes, 2008
- Figure 6: Three key P&C ratios for the 2004-2009 time period
- Figure 7: High-level snapshot of the US P&C insurance industry
- Figure 8: The major market forces impacting the US P&C insurance industry
- Figure 9: Value of insured coastal properties vulnerable to hurricanes for
the top ten states, 2007 ($ billions)
- Figure 10: High-level map of the US P&C personal lines insurance market
- Figure 11: High-level map of the US P&C commercial lines insurance market
- Figure 12: Six major P&C insurance company challenges requiring technology
support
- Figure 13: Selected potential technology applications for each of the six
business opportunity areas
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