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市场调查报告书
商品编码
1657969

美国的保险中介市场评估:各保险类型，各中介类型，各流通管道，各终端用户，各地区，机会及预测，2018～2032年

United States Insurance Brokerage Market Assessment, By Insurance Type, By Brokerage Type, By Distribution Channel, By End-user, By Region, Opportunities and Forecast, 2018-2032F
出版日期: | 出版商: Market Xcel - Markets and Data | 英文 135 Pages | 商品交期: 3-5个工作天内

价格

美国保险经纪市场预计将从 2024 年的 704.8 亿美元增长到 2032 年的 1099.5 亿美元，预测期内（2025-2032 年）的复合年增长率为 5.72%。美国保险经纪市场受到几个关键成长动力的推动。客製化保险解决方案的需求日益增长，要求经纪人设计出适合其私人和企业客户需求的保险套餐。商业风险日益复杂，特别是中小企业风险，需要有效的风险管理和适当的保险策略。技术进步，尤其是人工智慧、数据分析和数位转型，对于提高产业流程的效率和顺畅度也至关重要。自然灾害和气候变迁风险的增加也刺激了对保险的需求。其他成长动力包括更重视网路保险、员工福利和医疗保险。市场也正在透过收购实现整合。零工经济的成长也促进了对新型保险的需求。为了应对不断上涨的保险费，创新、永续和环保的保险解决方案变得越来越重要。

保险中介是充当客户和保险公司之间的中介服务，帮助个人和企业寻找和购买最合适的保险。经纪人收集有关客户需求的信息，为他们提供建议并协商条款以便以最优惠的价格获得最佳的保障。好的经纪人通常会提供相当多样化的保险选择，例如财产和意外保险、健康保险和人寿保险。这是一个提供保险同时确保客户获得最大程度的风险保障的行业。 2025 年 1 月，Truist Financial Corporation 宣布已与灾难慈善中心签订合同，向北卡罗来纳州西部发放超过 2000 万美元的灾难恢復补助金。该计划是该公司针对北卡罗来纳州西部的 Truist Cares 旗舰计划的一部分。

目录

第1章 计划的范围和定义

第2章 调查手法

第3章 摘要整理

第4章 客户的迴响

  • 产品与市场资讯
  • 品牌认识的方式
  • 决定是否购买时考虑的要素
    • 覆盖需求
    • 费用
    • 申请手续
    • 高级费用
    • 客制化政策
    • 折扣和推销
    • 透明度
    • 遵守和保全
  • 顾客支援
  • 隐私和法规的考虑

第5章 美国的保险中介市场预测，2018年～2032年

  • 市场规模的分析与预测
    • 各金额
  • 市场占有率分析与预测-
    • 各保险类型
      • 人寿保险
      • 产物保险
      • 健康·医疗保险
      • 其他
    • 各中介类型
      • 零售介绍业
      • 批发中介
    • 各流通管道
      • 线上
      • 离线
    • 各终端用户
      • BFSI
      • 医疗保健
      • 汽车
      • 航空
      • 其他
    • 各地区
      • 东北
      • 中西部
      • 西
      • 南
    • 市场占有率分析(前五名公司以及其他- 各金额，2024年)，各企业
  • 市场地图分析，2024年
    • 各保险类型
    • 各中介类型
    • 各流通管道
    • 各终端用户
    • 各地区

第6章 需求供给分析

第7章 价值链分析

第8章 波特的五力分析

第9章 大环境分析

第10章 高级分析

第11章 市场动态

  • 推动市场要素
  • 市场课题

第12章 市场趋势与发展

第13章 案例研究

第14章 竞争情形

  • 前五名市场领导公司的竞争矩阵
  • 前五名公司的SWOT分析
  • 前十大市场主要企业的形势
    • Marsh &McLennan Companies Inc.
      • 公司概要
      • 主要经营团队
      • 产品和服务
      • 财务状况(如报告)
      • 主要市场焦点和地理存在感
      • 最近的趋势/合作/伙伴关係/合併和收购
    • Aon plc.
    • Willis Towers Watson plc.
    • Lockton Companies LLC
    • Arthur J. Gallagher &Co.
    • USI Insurance Services LLC
    • HUB International Limited
    • Brown &Brown Inc.
    • Truist Financial Corporation
    • US Risk Insurance Group LLC

上述公司不依市场占有率排序，并且可能会根据研究工作期间获得的资讯进行更改。

第15章 策略性建议

第16章 关于调查公司·免责声明

Product Code: MX12751

United States insurance brokerage market is projected to witness a CAGR of 5.72% during the forecast period 2025-2032, growing from USD 70.48 billion in 2024 to USD 109.95 billion in 2032. The United States insurance brokerage market is motivated by a few key growth drivers. Increasing demand for customized insurance solutions requires brokers to design packages that fit the needs of customers, whether they are individuals or businesses. The increased complexity of business risks, particularly in the SMB sector, demands effective risk management and proper insurance strategies. Improved technology, among which is artificial intelligence, data analytics, and digital transformation, is also essential in making industry processes more efficient and smoother. Increased natural disasters and climatic exposures to risks are also adding a premium to the demand for more insurance coverage. Other growing drivers include an increased focus on cyber insurance, employee benefits, and healthcare insurance since these businesses and individuals are getting exposed to evolving risks in a very digitalized and health-conscious world. The market also sees consolidation through acquisitions. Growth in the gig economy contributes to the demand for new types of coverage. Innovation, sustainability, and green insurance solutions are more important as firms respond to high premiums.

Insurance brokerage is a service offered by a mediator between the client and the insurance provider that assists the individual or business in finding and obtaining the most suitable insurance coverage. A broker will collect information about the needs of a client, advise them, and negotiate terms to get the best possible coverage at the best prices. A good brokerage usually offers quite a variety of insurance options, for example, property and casualty, health, and life. This is the industry that demystifies insurance while making sure that the maximum protection for a client's risk is received. In January 2025, Truist Financial Corporation announced that it has signed up with the Center for Disaster Philanthropy to issue more than USD 20 million in disaster recovery grants for Western North Carolina. The initiative comes under the flagship of the company's Truist Cares for Western North Carolina.

Surge in Merger and Acquisition Deals Boosts United States Insurance Brokerage Market

The M&A deal is significantly contributing to the United States insurance brokerage market. The increasing trend in the industry, as the companies look for strategic partnerships, acquisitions, and consolidation to enhance their market position, expand their service offerings, and improve operational efficiencies, is on the rise. M&A activity enables companies to enter new markets, leverage synergies, and gain a competitive edge in an increasingly fragmented market. This trend promotes firms to diversify portfolios, hence, providing more comprehensive solutions for a wider client base, and large firms absorb smaller ones, such as specialized brokers. It further opens the door for insurance brokerages to introduce new technologies and make operations easier, besides considering entry into growing markets, such as cyber insurance and health benefits.

M&A-driven growth thus creates an innovative environment because more specific insurance products and better customer experiences are made possible through combined resources. In February 2025, Arthur J. Gallagher & Co. announced the acquisition of Syracuse, New York-based Dominick Falcone Agency, Inc. and its subsidiary, Falcone Associates, Inc. Terms of the deal are not disclosed. Dominick Falcone Agency offers property and casualty insurance services to commercial and personal clients throughout central New York. Falcone Associates focuses on providing services in employee benefits.

Transition to Digital and Automated Solutions Drives Market Growth

The United States insurance brokerage market is growing rapidly due to a transition to digital and automated solutions. The growing penetration of technology into the fields is forcing insurance brokers to embrace digital tools and automation to increase the efficiency of their operations and customer satisfaction. United States-based insurance brokerages can offer more tailored services by using artificial intelligence, machine learning, and data analytics. Processes like claims handling, underwriting, and customer service can be automated, reducing operational costs significantly, reducing manual error, and quickening customer responses. Besides this, the increase in digital channels makes it easier for brokers to extend their market coverage.

Thus, customers are provided with access to compare policies, get quotes, and manage their insurance products through online mediums. This move to digital and automated solutions can facilitate the rising demand for quicker, more transparent, and affordable services by insurance firms, meeting the needs of the increasingly technology-oriented consumers seeking convenience and efficiency. In February 2025, Willis Towers Watson plc released a new Rating, Pricing, and Underwriting accelerator for Guidewire, enhancing its Radar engine. This accelerator makes it easier to integrate Radar with Guidewire's PolicyCenter, enabling carriers to rapidly take advantage of Radar's capabilities by directly importing Guidewire product definitions into Radar's pricing environment.

Life Insurance Segment to Dominate the United States Insurance Brokerage Market

The life insurance segment is most likely to dominate the United States insurance brokerage market due to rising concerns for financial security, retirement planning, and the protection of families. As people become more aware of the significance of life insurance, more people are looking for policies that safeguard their loved ones from any eventuality and make sure that financial resources remain stable during later years. This increased demand for coverage, including term life, whole life, and universal life insurance, makes life insurance the leading market growth driver. Life insurance brokers help the clients navigate through the complexities of the life insurance products, which places them at a position as experts who advise the clients on the most suitable plans according to the individual's needs and financial goals. Besides this, with advancing technology, brokers have been able to use digital platforms and automated tools for easier processes for the consumer, enabling easier comparison of policies, quoting, and handling claims.

This will make them more attractive to technologically savvy buyers and thus make them the ones growing in the sector. As long-term financial requirements make life insurance inevitable, it is going to hold its number one position for further growth within the United States brokerage market, while making life insurance a foundational force for industry expansion in the future. In August 2024, Prudential Financial Inc. rolled out Prudential Momentum IUL, an indexed universal life product issued by Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey (in NY). It is the latest offering to provide customers with the financial flexibility and protection needed to adapt to changing events in life and, at the same time, ensure growth and security.

South Region Dominates the United States Insurance Brokerage Market

The South region is the most dominant force in the United States insurance brokerage market, accounting for a large share of its overall growth and development. The South has a rapidly growing population, diverse industries, and a strong economy, making it a hub for insurance brokerage activities. The thriving sectors in the region, including healthcare, construction, agriculture, and technology, ensure a steady demand for personal and commercial insurance solutions. The South's business-friendly climate, with fewer taxes and an overall pro-business environment, has attracted a lot of insurance companies and brokers. This has increased the market presence of the region. Insurance brokers in the South are capitalizing on this boom by offering an array of special services to help businesses and people in the region meet their distinctive needs.

Of course, the adoption of digital tools and automated solutions has also helped enhance the efficiency of brokerage services while improving customer experience and expanding the reach of brokers. The South continues to lead in market share, with important growth expected as businesses and consumers increasingly turn to insurance brokers for comprehensive coverage and risk management solutions. In January 2025, Willis Towers Watson Plc announced its Investment Management Insurance (IMI) Plus product is now accessible to U.S. clients. First available in July 2024 to clients in the UK and Canada, this exhaustive management and professional policy provides asset managers with integrated protection in simplified management across key areas of risk.

Future Market Scenario (2025 - 2032F)

Delivering more customer-centric and individually customized insurance will become more essential, which brokerage companies will cater to through enhanced consumer awareness of demand for tailormade covers.

More the role of startups such as Insurtech to innovate in this industry through providing innovative technologies and capabilities of using AI, ML, and DA in improving better risk assessment accuracy of prices with increased customer personalization.

The use of integration platforms like ERP systems, APIs, and digital tools is likely to dominate insurance brokers who seek seamless interfaces with the insurer, clients, and third-party services.

Market consolidation is anticipated in the insurance brokerage industry because large companies would seek to expand their services and reach through mergers and acquisitions with smaller entities.

Key Players Landscape and Outlook

The United States insurance brokerage market is fragmented, which means there is a distributed mix of established players and emerging firms with equal chances of gaining market share. This fragmentation alone presents tremendous opportunities for growth as large and small firms continue to make innovations and diversify their offerings to cater to the changing needs of consumers. As the market extends, competition is bound to increase; players differentiate themselves by improving services, increasing technology, or expanding product offerings. This is mainly through mergers and acquisitions (M&A) whereby larger firms acquire smaller players or partners with complementary capabilities with a view to enhancing market presence, streamlining their operations, and broadening service offerings. Such M&A activities are crucial for companies to get a step ahead in this competitive world, which may comprise developing new customer groups, entering new geographic areas, or integrating sophisticated technologies.

The growing focus on digitalization, customized insurance products, and value-added services fuels competition, as companies are competing to better customer experience and refine operational efficiencies. In this dynamic environment, the market is likely to see consolidation of key players, along with larger firms taking a strong position and smaller firms focusing on niche markets and specialty offerings. In January 2025, Hub International Limited, an insurance brokerage and financial services company, announced that it would acquire assets of Woods Insurance Services, Inc. This acquisition will strengthen the Specialty practices of Hub by including the knowledge of Woods Insurance Services in the oil & gas industry with its existing strength and further expansion capabilities.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

  • 4.1. Product and Market Intelligence
  • 4.2. Mode of Brand Awareness
  • 4.3. Factors Considered in Purchase Decisions
    • 4.3.1. Coverage Needs
    • 4.3.2. Cost
    • 4.3.3. Claims Process
    • 4.3.4. Premium Rates
    • 4.3.5. Customization Policies
    • 4.3.6. Discounts and Promotions
    • 4.3.7. Transparency
    • 4.3.8. Compliance and Security
  • 4.4. Customer Support
  • 4.5. Consideration of Privacy and Regulations

5. United States Insurance Brokerage Market Outlook, 2018-2032F

  • 5.1. Market Size Analysis & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share Analysis & Forecast
    • 5.2.1. By Insurance Type
      • 5.2.1.1. Life Insurance
      • 5.2.1.2. Property and Casualty Insurance
      • 5.2.1.3. Health and Medical Insurance
      • 5.2.1.4. Others
    • 5.2.2. By Brokerage Type
      • 5.2.2.1. Retail Brokerage
      • 5.2.2.2. Wholesale Brokerage
    • 5.2.3. By Distribution Channel
      • 5.2.3.1. Online
      • 5.2.3.2. Offline
    • 5.2.4. By End-user
      • 5.2.4.1. BFSI
      • 5.2.4.2. Healthcare
      • 5.2.4.3. Automotive
      • 5.2.4.4. Aviation
      • 5.2.4.5. Others
    • 5.2.5. By Region
      • 5.2.5.1. Northeast
      • 5.2.5.2. Midwest
      • 5.2.5.3. West
      • 5.2.5.4. South
    • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
  • 5.3. Market Map Analysis, 2024
    • 5.3.1. By Insurance Type
    • 5.3.2. By Brokerage Type
    • 5.3.3. By Distribution Channel
    • 5.3.4. By End-user
    • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Premium Analysis

11. Market Dynamics

  • 11.1. Market Drivers
  • 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

  • 14.1. Competition Matrix of Top 5 Market Leaders
  • 14.2. SWOT Analysis for Top 5 Players
  • 14.3. Key Players Landscape for Top 10 Market Players
    • 14.3.1. Marsh & McLennan Companies Inc.
      • 14.3.1.1. Company Details
      • 14.3.1.2. Key Management Personnel
      • 14.3.1.3. Products and Services
      • 14.3.1.4. Financials (As Reported)
      • 14.3.1.5. Key Market Focus and Geographical Presence
      • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
    • 14.3.2. Aon plc.
    • 14.3.3. Willis Towers Watson plc.
    • 14.3.4. Lockton Companies LLC
    • 14.3.5. Arthur J. Gallagher & Co.
    • 14.3.6. USI Insurance Services LLC
    • 14.3.7. HUB International Limited
    • 14.3.8. Brown & Brown Inc.
    • 14.3.9. Truist Financial Corporation
    • 14.3.10. U.S. Risk Insurance Group LLC

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

  • Table 1. Competition Matrix of Top 5 Market Leaders
  • Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
  • Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

  • Figure 1. United States Insurance Brokerage Market, By Value, In USD Billion, 2018-2032F
  • Figure 2. United States Insurance Brokerage Market Share (%), By Insurance Type, 2018-2032F
  • Figure 3. United States Insurance Brokerage Market Share (%), By Brokerage Type, 2018-2032F
  • Figure 4. United States Insurance Brokerage Market Share (%), By Distribution Channel, 2018-2032F
  • Figure 5. United States Insurance Brokerage Market Share (%), By End-user, 2018-2032F
  • Figure 6. United States Insurance Brokerage Market Share (%), By Region, 2018-2032F
  • Figure 7. By Insurance Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 8. By Brokerage Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 9. By Distribution Channel Size Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 10. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 11. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024