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市场调查报告书
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全球商业洪水保险市场规模研究，按保险类型（建筑保险、内容保险、综合保险）、政策提供者（国家洪水保险计划 (NFIP)、私人洪水保险）和 2022-2032 年区域预测

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个工作天内

价格
简介目录

2023 年全球商业洪水保险市场价值约为 80 亿美元，预计在 2024-2032 年预测期内将以超过 14.1% 的健康成长率成长。商业洪水保险是一种专门的保险产品，旨在为企业提供因洪水事件造成的损失或损害的财务保障。与通常不包括与洪水相关的损害的标准商业财产保险不同，商业洪水保险明确承保营业场所的结构性损坏，以及设备、库存和家具等物品的损失或损坏。此保险对于位于洪水易发地区的企业至关重要，可以为巨额维修和更换成本提供保障，并确保灾后营运的连续性。

全球商业洪水保险市场的成长主要是由于气候变迁和快速城市化导致的全球洪水事件的频率和严重程度不断增加所推动的。企业越来越意识到与洪水相关的重大财务风险，导致对综合保险的需求增加。各地区的政府指令和法规也在扩大市场方面发挥关键作用。例如，美国国家洪水保险计划（NFIP）等计划要求指定高风险洪水地区的企业购买洪水保险，从而提高市场占有率。此外，风险评估和建模方面的技术进步正在商业洪水保险市场创造利润丰厚的机会。先进的资料分析和建模技术等创新使保险公司能够提供更量身定制且价格实惠的保单，吸引更广泛的客户群。此外，新兴市场的业务和基础设施的扩张呈现出巨大的成长前景。然而，高昂的保费成本，尤其是在洪水风险较高的地区，对市场成长构成了挑战。这些成本可能会阻碍中小企业获得足够的覆盖范围，从而限制市场渗透。

从地区来看，由于气候变迁导致洪水发生率增加以及保险提供者的大量存在，北美成为商业洪水保险的主要市场。政府为高风险地区的企业强制推行洪水保险的措施（例如 NFIP）可确保财务准备并刺激市场成长。此外，该地区的公私合作伙伴关係正在促进综合保险产品的发展。相较之下，在快速城市化、经济发展以及数位平台的广泛采用促进更容易获得保险产品的推动下，预计亚太地区在预测期内将出现显着增长。

在北美，严格的政府法规和成熟的保险市场促成了商业洪水保险的高采用率。欧洲拥有先进的风险评估基础设施，也表现出大量的市场活动。由于经济扩张和洪水风险意识的增强，亚太地区正在加速成长。拉丁美洲、中东和非洲逐渐认识到商业洪水保险的重要性，基础设施投资不断增加，洪水事件的敏感度增加，推动了需求。

目录

第 1 章：全球商业洪水保险市场执行摘要

  • 全球商业洪水保险市场规模及预测（2022-2032）
  • 区域概要
  • 分部摘要
    • 依承保类型
    • 按保单提供者
    • 按配销通路
  • 主要趋势
  • 经济衰退的影响
  • 分析师推荐与结论

第 2 章：全球商业洪水保险市场定义与研究假设

  • 研究目的
  • 市场定义
  • 研究假设
    • 包容与排除
    • 限制
    • 供给侧分析
      • 可用性
      • 基础设施
      • 监管环境
      • 市场竞争
      • 经济可行性（消费者的角度）
    • 需求面分析
      • 监理框架
      • 技术进步
      • 环境考虑
      • 消费者意识和接受度
  • 估算方法
  • 研究考虑的年份
  • 货币兑换率

第 3 章：全球商业洪水保险市场动态

  • 市场驱动因素
    • 洪水事件发生频率增加
    • 政府授权和法规
    • 提高意识和风险管理实践
  • 市场挑战
    • 保费成本高
  • 市场机会
    • 风险评估的技术进步
    • 新兴市场的扩张

第 4 章：全球商业洪水保险市场产业分析

  • 波特的五力模型
    • 供应商的议价能力
    • 买家的议价能力
    • 新进入者的威胁
    • 替代品的威胁
    • 竞争竞争
    • 波特五力模型的未来方法
    • 波特的五力影响分析
  • PESTEL分析
    • 政治的
    • 经济
    • 社会的
    • 技术性
    • 环境的
    • 合法的
  • 顶级投资机会
  • 最佳制胜策略
  • 颠覆性趋势
  • 产业专家视角
  • 分析师推荐与结论

第 5 章：全球商业洪水保险市场规模与预测：按承保类型划分 - 2022-2032 年

  • 细分仪表板
  • 全球商业洪水保险市场：承保类型收入趋势分析，2022 年和 2032 年
    • 建筑覆盖范围
    • 内容覆盖范围
    • 综合覆盖范围

第 6 章：全球商业洪水保险市场规模与预测：按保单提供者划分 - 2022-2032 年

  • 细分仪表板
  • 全球商业洪水保险市场：保单提供者收入趋势分析，2022 年和 2032 年
    • 国家洪水保险计划 (NFIP)
    • 私人洪水保险

第 7 章：全球商业洪水保险市场规模与预测：按配销通路划分 - 2022-2032

  • 细分仪表板
  • 全球商业洪水保险市场：2022 年和 2032 年配销通路收入趋势分析
    • 直销
    • 代理人和经纪人

第 8 章：全球商业洪水保险市场规模及预测：按地区 - 2022-2032

  • 北美洲
    • 我们
    • 加拿大
  • 欧洲
    • 英国
    • 德国
    • 法国
    • 西班牙
    • 义大利
    • 欧洲其他地区
  • 亚太
    • 中国
    • 印度
    • 日本
    • 澳洲
    • 韩国
    • 亚太地区其他地区
  • 拉丁美洲
    • 巴西
    • 墨西哥
    • 拉丁美洲其他地区
  • 中东和非洲
    • 沙乌地阿拉伯
    • 南非
    • 中东和非洲其他地区

第 9 章：竞争情报

  • 重点企业SWOT分析
  • 顶级市场策略
  • 公司简介
    • Chubb Group
      • 关键讯息
      • 概述
      • 财务（视数据可用性而定）
      • 产品概要
      • 市场策略
    • 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：研究过程

  • 研究过程
    • 资料探勘
    • 分析
    • 市场预测
    • 验证
    • 出版
  • 研究属性
简介目录

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