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1551352

全球商業洪水保險市場規模研究，按保險類型（建築保險、內容保險、綜合保險）、政策提供者（國家洪水保險計劃 (NFIP)、私人洪水保險）和 2022-2032 年區域預測

Global Commercial Flood Insurance Market Size study, by Coverage Type (Building Coverage, Content Coverage, Combined Coverage), by Policy Provider (National Flood Insurance Program (NFIP), Private Flood Insurance) and Regional Forecasts 2022-2032
出版日期: | 出版商: Bizwit Research & Consulting LLP | 英文 285 Pages | 商品交期: 2-3個工作天內

價格
簡介目錄

2023 年全球商業洪水保險市場價值約為 80 億美元，預計在 2024-2032 年預測期內將以超過 14.1% 的健康成長率成長。商業洪水保險是一種專門的保險產品，旨在為企業提供因洪水事件造成的損失或損害的財務保障。與通常不包括與洪水相關的損害的標準商業財產保險不同，商業洪水保險明確承保營業場所的結構性損壞，以及設備、庫存和家具等物品的損失或損壞。此保險對於位於洪水易發地區的企業至關重要，可以為巨額維修和更換成本提供保障，並確保災後營運的連續性。

全球商業洪水保險市場的成長主要是由於氣候變遷和快速城市化導致的全球洪水事件的頻率和嚴重程度不斷增加所推動的。企業越來越意識到與洪水相關的重大財務風險，導致對綜合保險的需求增加。各地區的政府指令和法規也在擴大市場方面發揮關鍵作用。例如，美國國家洪水保險計劃（NFIP）等計劃要求指定高風險洪水地區的企業購買洪水保險，從而提高市場佔有率。此外，風險評估和建模方面的技術進步正在商業洪水保險市場創造利潤豐厚的機會。先進的資料分析和建模技術等創新使保險公司能夠提供更量身定做且價格實惠的保單，吸引更廣泛的客戶群。此外，新興市場的業務和基礎設施的擴張呈現出巨大的成長前景。然而，高昂的保費成本，尤其是在洪水風險較高的地區，對市場成長構成了挑戰。這些成本可能會阻礙中小企業獲得足夠的覆蓋範圍，從而限制市場滲透。

從地區來看，由於氣候變遷導致洪水發生率增加以及保險提供者的大量存在，北美成為商業洪水保險的主要市場。政府為高風險地區的企業強制推行洪水保險的措施（例如 NFIP）可確保財務準備並刺激市場成長。此外，該地區的公私合作夥伴關係正在促進綜合保險產品的發展。相較之下，在快速城市化、經濟發展以及數位平台的廣泛採用促進更容易獲得保險產品的推動下，預計亞太地區在預測期內將出現顯著成長。

在北美，嚴格的政府法規和成熟的保險市場促成了商業洪水保險的高採用率。歐洲擁有先進的風險評估基礎設施，也表現出大量的市場活動。由於經濟擴張和洪水風險意識的增強，亞太地區正在加速成長。拉丁美洲、中東和非洲逐漸認知到商業洪水保險的重要性，基礎設施投資不斷增加，洪水事件的敏感度增加，推動了需求。

目錄

第 1 章：全球商業洪水保險市場執行摘要

  • 全球商業洪水保險市場規模及預測（2022-2032）
  • 區域概要
  • 分部摘要
    • 依承保類型
    • 按保單提供者
    • 按配銷通路
  • 主要趨勢
  • 經濟衰退的影響
  • 分析師推薦與結論

第 2 章：全球商業洪水保險市場定義與研究假設

  • 研究目的
  • 市場定義
  • 研究假設
    • 包容與排除
    • 限制
    • 供給側分析
      • 可用性
      • 基礎設施
      • 監管環境
      • 市場競爭
      • 經濟可行性（消費者的角度）
    • 需求面分析
      • 監理框架
      • 技術進步
      • 環境考慮
      • 消費者意識和接受度
  • 估算方法
  • 研究涵蓋的年份
  • 貨幣兌換率

第 3 章：全球商業洪水保險市場動態

  • 市場促進因素
    • 洪水事件發生頻率增加
    • 政府授權和法規
    • 提高意識和風險管理實踐
  • 市場挑戰
    • 保費成本高
  • 市場機會
    • 風險評估的技術進步
    • 新興市場的擴張

第 4 章：全球商業洪水保險市場產業分析

  • 波特的五力模型
    • 供應商的議價能力
    • 買家的議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭競爭
    • 波特五力模型的未來方法
    • 波特的五力影響分析
  • PESTEL分析
    • 政治的
    • 經濟
    • 社會的
    • 技術性
    • 環境的
    • 合法的
  • 頂級投資機會
  • 最佳制勝策略
  • 顛覆性趨勢
  • 產業專家視角
  • 分析師推薦與結論

第 5 章：全球商業洪水保險市場規模與預測：按承保類型分類 - 2022-2032 年

  • 細分儀表板
  • 全球商業洪水保險市場：承保類型收入趨勢分析，2022 年和 2032 年
    • 建築覆蓋範圍
    • 內容覆蓋範圍
    • 綜合覆蓋範圍

第 6 章：全球商業洪水保險市場規模與預測：按保單提供者分類 - 2022-2032 年

  • 細分儀表板
  • 全球商業洪水保險市場：保單提供者收入趨勢分析，2022 年和 2032 年
    • 國家洪水保險計劃 (NFIP)
    • 私人洪水保險

第 7 章：全球商業洪水保險市場規模與預測：按配銷通路分類 - 2022-2032

  • 細分儀表板
  • 全球商業洪水保險市場：2022 年和 2032 年配銷通路收入趨勢分析
    • 直銷
    • 代理人和經紀人

第 8 章：全球商業洪水保險市場規模及預測：按地區 - 2022-2032

  • 北美洲
    • 美國
    • 加拿大
  • 歐洲
    • 英國
    • 德國
    • 法國
    • 西班牙
    • 義大利
    • 歐洲其他地區
  • 亞太
    • 中國
    • 印度
    • 日本
    • 澳洲
    • 韓國
    • 亞太地區其他地區
  • 拉丁美洲
    • 巴西
    • 墨西哥
    • 拉丁美洲其他地區
  • 中東和非洲
    • 沙烏地阿拉伯
    • 南非
    • 中東和非洲其他地區

第 9 章：競爭情報

  • 重點企業SWOT分析
  • 頂級市場策略
  • 公司簡介
    • Chubb Group
      • 關鍵訊息
      • 概述
      • 財務（視數據可用性而定）
      • 產品概要
      • 市場策略
    • The Hartford
    • Nationwide Mutual Insurance Company
    • Assurant, Inc.
    • Hylant Group, Inc.
    • Neptune Flood
    • JMG Insurance Corp
    • FloodFlash Limited
    • Pyron Group Insurance
    • Main Street America Insurance
    • Sutcliffe Insurance Brokers Limited
    • Reliant Assurance Brokers LLC
    • Prizm Solutions Ltd
    • Insurance America LLC
    • Advisory Insurance Brokers Limited

第 10 章：研究過程

  • 研究過程
    • 資料探勘
    • 分析
    • 市場預測
    • 驗證
    • 出版
  • 研究屬性
簡介目錄

The global Commercial Flood Insurance Market is valued approximately at USD 8.0 billion in 2023 and is anticipated to grow with a healthy growth rate of more than 14.1% over the forecast period 2024-2032. Commercial flood insurance is a specialized insurance product designed to provide financial protection for businesses against losses or damages caused by flooding events. Unlike standard commercial property insurance, which often excludes flood-related damages, commercial flood insurance explicitly covers the structural damage to business premises, as well as loss or damage to contents such as equipment, inventory, and furnishings. This insurance is crucial for businesses located in flood-prone areas, offering a safeguard against substantial repair and replacement costs, and ensuring continuity of operations post-disaster.

The growth of the global commercial flood insurance market is primarily driven by the increasing frequency and severity of flooding events worldwide, a consequence of climate change and rapid urbanization. Businesses are becoming more aware of the significant financial risks associated with floods, leading to a heightened demand for comprehensive insurance coverage. Government mandates and regulations in various regions are also playing a pivotal role in expanding the market. For instance, programs like the U.S. National Flood Insurance Program (NFIP) require businesses in designated high-risk flood zones to carry flood insurance, thereby boosting market uptake. Also, technological advancements in risk assessment and modeling are creating lucrative opportunities within the commercial flood insurance market. Innovations such as advanced data analytics and modeling techniques enable insurers to offer more tailored and affordable policies, attracting a broader customer base. Additionally, the expansion of businesses and infrastructure in emerging markets presents significant growth prospects. However, high premium costs, especially in areas with elevated flood risks, pose a challenge to market growth. These costs can deter small and medium-sized enterprises from securing adequate coverage, limiting market penetration.

Regionally, North America stands out as a leading market for commercial flood insurance, driven by an increased incidence of floods due to climate change and a substantial presence of insurance providers. Government initiatives mandating flood insurance for businesses in high-risk zones, such as the NFIP, ensure financial preparedness and stimulate market growth. Moreover, public-private partnerships in the region are fostering the development of comprehensive insurance products. In contrast, the Asia-Pacific region is expected to register significant growth during the forecast period, fueled by rapid urbanization, economic development, and increased adoption of digital platforms facilitating easier access to insurance products.

In North America, stringent government regulations and a mature insurance market contribute to high adoption rates of commercial flood insurance. Europe, with its advanced risk assessment infrastructure, also exhibits substantial market activity. The Asia-Pacific region is witnessing accelerated growth due to economic expansion and increased awareness of flood risks. Latin America and the Middle East & Africa are gradually recognizing the importance of commercial flood insurance, with growing investments in infrastructure and increased susceptibility to flood events driving demand.

Major market player included in this report are:

  • Chubb Group
  • The Hartford
  • Nationwide Mutual Insurance Company
  • Assurant, Inc.
  • Hylant Group, Inc.
  • Neptune Flood
  • JMG Insurance Corp
  • FloodFlash Limited
  • Pyron Group Insurance
  • Main Street America Insurance
  • Sutcliffe Insurance Brokers Limited
  • Reliant Assurance Brokers LLC
  • Prizm Solutions Ltd
  • Insurance America LLC
  • Advisory Insurance Brokers Limited

The detailed segments and sub-segment of the market are explained below:

By Coverage Type

  • Building Coverage
  • Content Coverage
  • Combined Coverage

By Policy Provider

  • National Flood Insurance Program (NFIP)
  • Private Flood Insurance

By Distribution Channel

  • Direct Sales
  • Agents and Brokers

By Region:

  • North America
  • U.S.
  • Canada
  • Europe
  • UK
  • Germany
  • France
  • Spain
  • Italy
  • ROE
  • Asia Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
  • RoAPAC
  • Latin America
  • Brazil
  • Mexico
  • RoLA
  • Middle East & Africa
  • Saudi Arabia
  • South Africa
  • RoMEA

Years considered for the study are as follows:

  • Historical year - 2022
  • Base year - 2023
  • Forecast period - 2024 to 2032

Key Takeaways:

  • Market Estimates & Forecast for 10 years from 2022 to 2032.
  • Annualized revenues and regional level analysis for each market segment.
  • Detailed analysis of geographical landscape with Country level analysis of major regions.
  • Competitive landscape with information on major players in the market.
  • Analysis of key business strategies and recommendations on future market approach.
  • Analysis of competitive structure of the market.
  • Demand side and supply side analysis of the market.

Table of Contents

Chapter 1. Global Commercial Flood Insurance Market Executive Summary

  • 1.1. Global Commercial Flood Insurance Market Size & Forecast (2022- 2032)
  • 1.2. Regional Summary
  • 1.3. Segmental Summary
    • 1.3.1. By Coverage Type
    • 1.3.2. By Policy Provider
    • 1.3.3. By Distribution Channel
  • 1.4. Key Trends
  • 1.5. Recession Impact
  • 1.6. Analyst Recommendation & Conclusion

Chapter 2. Global Commercial Flood Insurance Market Definition and Research Assumptions

  • 2.1. Research Objective
  • 2.2. Market Definition
  • 2.3. Research Assumptions
    • 2.3.1. Inclusion & Exclusion
    • 2.3.2. Limitations
    • 2.3.3. Supply Side Analysis
      • 2.3.3.1. Availability
      • 2.3.3.2. Infrastructure
      • 2.3.3.3. Regulatory Environment
      • 2.3.3.4. Market Competition
      • 2.3.3.5. Economic Viability (Consumer's Perspective)
    • 2.3.4. Demand Side Analysis
      • 2.3.4.1. Regulatory frameworks
      • 2.3.4.2. Technological Advancements
      • 2.3.4.3. Environmental Considerations
      • 2.3.4.4. Consumer Awareness & Acceptance
  • 2.4. Estimation Methodology
  • 2.5. Years Considered for the Study
  • 2.6. Currency Conversion Rates

Chapter 3. Global Commercial Flood Insurance Market Dynamics

  • 3.1. Market Drivers
    • 3.1.1. Increasing Frequency of Flooding Events
    • 3.1.2. Government Mandates and Regulations
    • 3.1.3. Growing Awareness and Risk Management Practices
  • 3.2. Market Challenges
    • 3.2.1. High Premium Costs
  • 3.3. Market Opportunities
    • 3.3.1. Technological Advancements in Risk Assessment
    • 3.3.2. Expansion in Emerging Markets

Chapter 4. Global Commercial Flood Insurance Market Industry Analysis

  • 4.1. Porter's 5 Force Model
    • 4.1.1. Bargaining Power of Suppliers
    • 4.1.2. Bargaining Power of Buyers
    • 4.1.3. Threat of New Entrants
    • 4.1.4. Threat of Substitutes
    • 4.1.5. Competitive Rivalry
    • 4.1.6. Futuristic Approach to Porter's 5 Force Model
    • 4.1.7. Porter's 5 Force Impact Analysis
  • 4.2. PESTEL Analysis
    • 4.2.1. Political
    • 4.2.2. Economical
    • 4.2.3. Social
    • 4.2.4. Technological
    • 4.2.5. Environmental
    • 4.2.6. Legal
  • 4.3. Top investment opportunity
  • 4.4. Top winning strategies
  • 4.5. Disruptive Trends
  • 4.6. Industry Expert Perspective
  • 4.7. Analyst Recommendation & Conclusion

Chapter 5. Global Commercial Flood Insurance Market Size & Forecasts by Coverage Type 2022-2032

  • 5.1. Segment Dashboard
  • 5.2. Global Commercial Flood Insurance Market: Coverage Type Revenue Trend Analysis, 2022 & 2032 (USD Billion)
    • 5.2.1. Building Coverage
    • 5.2.2. Content Coverage
    • 5.2.3. Combined Coverage

Chapter 6. Global Commercial Flood Insurance Market Size & Forecasts by Policy Provider 2022-2032

  • 6.1. Segment Dashboard
  • 6.2. Global Commercial Flood Insurance Market: Policy Provider Revenue Trend Analysis, 2022 & 2032 (USD Billion)
    • 6.2.1. National Flood Insurance Program (NFIP)
    • 6.2.2. Private Flood Insurance

Chapter 7. Global Commercial Flood Insurance Market Size & Forecasts by Distribution Channel 2022-2032

  • 7.1. Segment Dashboard
  • 7.2. Global Commercial Flood Insurance Market: Distribution Channel Revenue Trend Analysis, 2022 & 2032 (USD Billion)
    • 7.2.1. Direct Sales
    • 7.2.2. Agents and Brokers

Chapter 8. Global Commercial Flood Insurance Market Size & Forecasts by Region 2022-2032

  • 8.1. North America Commercial Flood Insurance Market
    • 8.1.1. U.S. Commercial Flood Insurance Market
      • 8.1.1.1. Coverage Type breakdown size & forecasts, 2022-2032
      • 8.1.1.2. Policy Provider breakdown size & forecasts, 2022-2032
      • 8.1.1.3. Distribution Channel breakdown size & forecasts, 2022-2032
    • 8.1.2. Canada Commercial Flood Insurance Market
  • 8.2. Europe Commercial Flood Insurance Market
    • 8.2.1. U.K. Commercial Flood Insurance Market
    • 8.2.2. Germany Commercial Flood Insurance Market
    • 8.2.3. France Commercial Flood Insurance Market
    • 8.2.4. Spain Commercial Flood Insurance Market
    • 8.2.5. Italy Commercial Flood Insurance Market
    • 8.2.6. Rest of Europe Commercial Flood Insurance Market
  • 8.3. Asia-Pacific Commercial Flood Insurance Market
    • 8.3.1. China Commercial Flood Insurance Market
    • 8.3.2. India Commercial Flood Insurance Market
    • 8.3.3. Japan Commercial Flood Insurance Market
    • 8.3.4. Australia Commercial Flood Insurance Market
    • 8.3.5. South Korea Commercial Flood Insurance Market
    • 8.3.6. Rest of Asia Pacific Commercial Flood Insurance Market
  • 8.4. Latin America Commercial Flood Insurance Market
    • 8.4.1. Brazil Commercial Flood Insurance Market
    • 8.4.2. Mexico Commercial Flood Insurance Market
    • 8.4.3. Rest of Latin America Commercial Flood Insurance Market
  • 8.5. Middle East & Africa Commercial Flood Insurance Market
    • 8.5.1. Saudi Arabia Commercial Flood Insurance Market
    • 8.5.2. South Africa Commercial Flood Insurance Market
    • 8.5.3. Rest of Middle East & Africa Commercial Flood Insurance Market

Chapter 9. Competitive Intelligence

  • 9.1. Key Company SWOT Analysis
  • 9.2. Top Market Strategies
  • 9.3. Company Profiles
    • 9.3.1. Chubb Group
      • 9.3.1.1. Key Information
      • 9.3.1.2. Overview
      • 9.3.1.3. Financial (Subject to Data Availability)
      • 9.3.1.4. Product Summary
      • 9.3.1.5. Market Strategies
    • 9.3.2. The Hartford
    • 9.3.3. Nationwide Mutual Insurance Company
    • 9.3.4. Assurant, Inc.
    • 9.3.5. Hylant Group, Inc.
    • 9.3.6. Neptune Flood
    • 9.3.7. JMG Insurance Corp
    • 9.3.8. FloodFlash Limited
    • 9.3.9. Pyron Group Insurance
    • 9.3.10. Main Street America Insurance
    • 9.3.11. Sutcliffe Insurance Brokers Limited
    • 9.3.12. Reliant Assurance Brokers LLC
    • 9.3.13. Prizm Solutions Ltd
    • 9.3.14. Insurance America LLC
    • 9.3.15. Advisory Insurance Brokers Limited

Chapter 10. Research Process

  • 10.1. Research Process
    • 10.1.1. Data Mining
    • 10.1.2. Analysis
    • 10.1.3. Market Estimation
    • 10.1.4. Validation
    • 10.1.5. Publishing
  • 10.2. Research Attributes