Table of Contents
0.0 EXECUTIVE SUMMARY
- Over 70% of small businesses have taken out at least some form of business
insurance
- Employers' liability insurance is the type of cover most likely to be
acquired by small businesses
- Latent demand is highest for loss of rental income insurance and key man
insurance
- All kinds of business insurance are relevant in most sectors
- Almost one third of small businesses acquire insurance for their business
with total autonomy
- and they also show a tendency to opt most frequently for cover that they
consider completely flexible
- Over two thirds of small businesses with insurance pay premiums in excess
of € 1,000 each year Almost three quarters of small businesses with
insurance work with more than one insurance provider...
- ... which serves to further splinter a market that is relatively fragmented
- A clear majority of sales of insurance to small businesses occur in a
face-to-face environment
- ... although there is significant apparent potential for online
aggregators to exert an influence in this sector
- Almost a half of small businesses have taken out their main package during
the last three years
- The availability of lower premiums is the most common cue for switching
insurance provider
- Membership of professional and trade associations is much higher than for
franchise organisations
- A substantial number of association or franchise members contract business
insurance through these channels
- Among major providers of insurance, Provinzial attains the highest
customer satisfaction ratings
1.0 INTRODUCTION
- Research rationale
- There are around 6 million enterprises with fewer than 250 employees in
Germany
- Using conventional techniques, the small business audience is tough to
research
- ... although the Internet methodology helps to circumvent many of the
usual problems
- The market for small business financial services is subject to rapid change
- Research sample
- Finaccord
- The Small Business Metrics reports
- Consumer research publications on Germany
- Affinity and partnership marketing publications on Germany
- mo' web
2.0 INSURANCE OVERVIEW
- Introduction
- Holdings of any form of business insurance
- Building and construction companies are most likely to be covered by
business insurance
- Small businesses without any insurance cover
- More than half of uninsured small businesses believe that they have no
need for insurance
- Reasons of uninsured businesses for not holding any business insurance
- The majority of uninsured small businesses believes that they are not
exposed to high risks
- Holdings of specific forms of business insurance
- Employers' liability insurance is the most widely held form of cover among
small businesses
- The disparity between actual and desired cover is highest for loss of
rental income insurance
- Specific business insurance products
- Holdings of forms of business insurance vary dramatically by type of
enterprise
- Evaluation and purchasing methods for business insurance
- More than half of small businesses evaluate and purchase cover with at
least some outside help Expenditure on business insurance during last 12 months
- Over 30% of small businesses holding insurance pay less than € 1,000
in annual premiums
- Flexibility of main business insurance package
- Cover acquired by small businesses is normally characterised by complete
flexibility
- Number of business insurance providers used
- Almost three quarters of small businesses with cover use more than one
insurance provider
- Providers used for main business insurance package
- Allianz is comfortably the market leader among providers of the main
insurance package
- although the overall supply structure remains fairly fragmented
- Providers used for other business insurance policies
- Allianz is not quite as dominant in the area of secondary insurance
products
- Distribution interface used for main business insurance package
- Most insurance bought by small business owners is acquired in a
face-to-face environment
- although certain categories of small business show a high propensity to
use remote channels
- Distribution channel used for main business insurance package
- For small businesses and self-employed individuals, agents are still the
main distribution channel Respondents in the professional and financial
services category are most likely to use a broker
- Broker used (where relevant) for main business insurance package
- No broker emerges as a clear market leader in the provison of the main
insurance package
- Bank used (where relevant) for main business insurance package
- On a collective basis, the Sparkassen are the most effective commercial
lines bancassurers
- Interest in using online aggregators for business insurance
- Well over half of small businesses appear open to the idea of using an
online aggregator
- Length of tenure of main business insurance package
- Almost a half of business insurance packages have been bought anew in the
last three years
- Use of main business insurance provider for personal needs
- Some respondents also use the provider of their business insurance for
personal insurance
- Frequency of contact with main business insurance provider
- Most small businesses have one or two contacts per year with the main
insurance provider
- Period of time since last business insurance claim made
- Self-employed individuals are far less likely to make claims than
businesses with employees
- Value of last business insurance claim made
- Most business insurance claims made have a value of below € 2,000
- Likelihood of changing main business insurance package
- Only a very small minority of the sample are definitely minded to change
their insurance provider
- Actual change of main business insurance package
- The market for small business insurance is characterised by a relatively
high switching rate
- although propensity to switch varies considerably by distribution
interface and channel used
- The availability of lower premiums are most likely to prompt a change of
insurance provider
- Satisfaction with services offered by main business insurance provider
- The majority of small businesses are broadly satisfied with the cost of
their insurance...
- ... although around 10% express concern with most other aspects of their
main insurer' s service Membership of professional or trade associations
- Professional and financial services businesses are most likely to belong
to an association
- Membership of franchise organisations
- Over 8% of small businesses responding to the survey belong to a franchise
organisation
- Usage of commercial affinity groups to contract business insurance
- Commercial affinity groups are quite commonly used as a source of business
insurance
- although penetration rates vary considerably by category of small business
3.0 INSURER PERFORMANCE
- Introduction
- The satisfaction of small businesses using each of the leading providers
can be measured
- both in overall terms and for ten key aspects of business insurance service
- The results for insurer performance are as robust as any that have
hitherto been published
- Accessibility of business insurance provider
- Breadth and quality of business insurance products offered
- Breadth and quality of extra services offered
- Ease of contact with business insurance provider
- Frequency of contact with business insurance provider
- Personal contact with a named business insurance adviser
- Efficiency of business insurance provider at the point of sale
- Efficiency of business insurance provider on an on-going basis
- Fairness of claims management (if used)
- Premiums charged for the main business insurance package
- Likelihood of changing main business insurance package
- Does the reported satisfaction of small businesses appear to influence
their tendency to switch?
- Individual insurer performance
- AachenMunchener
- Allianz
- Alte Leipziger
- ARAG
- AXA (including DBV)
- D.A.S.
- Generali (including Volksfursorge)
- Gothaer
- Hamburg-Mannheimer
- HDI-Gerling
- HUK Coburg
- LVM
- Provinzial
- R+V
- Signal Iduna
- SV SparkassenVersicherung
- Victoria
- Wurttembergische
- Zurich
- Other providers
4.0 BUSINESSES WITH MALE OWNERS
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
5.0 BUSINESSES WITH FEMALE OWNERS
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
6.0 BUILDING AND CONSTRUCTION
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
7.0 CHILD OR PET CARE
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
8.0 EDUCATION OR TRAINING
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
9.0 HEALTHCARE OR RELATED SERVICES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
10.0 HOTELS, RESTAURANTS, CAFES AND PUBS
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
11.0 I.T. SERVICES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
12.0 LOGISTICS, MOTOR TRADES OR TRANSPORTATION
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
13.0 MANUFACTURING
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
14.0 MEDIA, MARKETING OR ENTERTAINMENT
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
15.0 PROFESSIONAL OR FINANCIAL SERVICES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
16.0 PROPERTY MANAGEMENT OR RENTAL
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
17.0 RETAILING OR OTHER HIGH STREET SERVICES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
18.0 OTHER CONSUMER OR BUSINESS SERVICES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
19.0 HOME-BASED BUSINESSES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
20.0 RECENTLY-ESTABLISHED BUSINESSES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
21.0 SELF-EMPLOYED INDIVIDUALS
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
22.0 HIGH CASH / CHEQUE BUSINESSES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
23.0 BUSINESSES WITH INTERNATIONAL REVENUES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
24.0 BUSINESSES WITH ONLINE REVENUES
- Introduction
- Holdings of any form of business insurance
- Holdings of specific forms of business insurance
- Number of relationships for business insurance
- Insurance providers with which primary and secondary relationships held
- Membership of commercial affinity groups
- Usage of commercial affinity groups to contract business insurance
25.0 APPENDIX
GRAPHICS / TABLES
- Sample of small businesse broken down by annual turnover, number of
employees and business sector
- Sample of small businesses broken down by geography, location of business
and longevity of business
- Sample of small businesses broken down by magnitude of cash / cheque
receipts, magnitude of international revenues and magnitude of online revenues
- Holdings by small businesses of any form of business insurance, 2009
- Holdings by small businesses of any form of business insurance, 2008 (data)
- Uninsured small businesses believing that they require no form of business
insurance whatsoever, 2009
- Uninsured small businesses believing that they require no form of business
insurance whatsoever, 2009 (data)
- Reasons of uninsured businesses for not holding any business insurance,
2009
- Holdings by small businesses of specific forms of business insurance, 2009
- Holdings by small businesses of specific forms of business insurance
(among those with at least some form of business insurance), 2009
- Forms of business insurance ideally held by small businesses, 2009
- Variation between actual and ideal holdings of forms of business insurance
by small businesses, 2009
- Holdings by small businesses of agricultural / crop / livestock insurance,
2009
- Holdings by small businesses of agricultural / crop / livestock insurance,
2009 (data)
- Holdings by small businesses of business assets / equipment insurance, 2009
- Holdings by small businesses of business assets / equipment insurance,
2009 (data)
- Holdings by small businesses of business car insurance, 2009
- Holdings by small businesses of business car insurance, 2009 (data)
- Holdings by small businesses of business interruption insurance, 2009
- Holdings by small businesses of business interruption insurance, 2009
(data)
- Holdings by small businesses of business loan or overdraft protection
insurance, 2009
- Holdings by small businesses of business loan or overdraft protection
insurance, 2009 (data)
- Holdings by small businesses of business property / premises insurance,
2009
- Holdings by small businesses of business property / premises insurance,
2009 (data)
- Holdings by small businesses of business travel insurance, 2009
- Holdings by small businesses of business travel insurance, 2009 (data)
- Holdings by small businesses of business van insurance, 2009
- Holdings by small businesses of business van insurance, 2009 (data)
- Holdings by small businesses of cargo or goods-in-transit insurance, 2009
- Holdings by small businesses of cargo or goods-in-transit insurance, 2009
(data)
- Holdings by small businesses of commercial vehicle insurance (excluding
business cars and vans) insurance, 2009
- Holdings by small businesses of commercial vehicle insurance (excluding
business cars and vans), 2009 (data)
- Holdings by small businesses of computer / software insurance, 2009
- Holdings by small businesses of computer / software insurance, 2009 (data)
- Holdings by small businesses of e-commerce insurance, 2009
- Holdings by small businesses of e-commerce insurance, 2009 (data)
- Holdings by small businesses of employee theft insurance, 2009
- Holdings by small businesses of employee theft insurance, 2009 (data)
- Holdings by small businesses of employers' liability insurance, 2009
- Holdings by small businesses of employers' liability insurance, 2009 (data)
- Holdings by small businesses of engineering / machinery insurance, 2009
- Holdings by small businesses of engineering / machinery insurance, 2009
(data)
- Holdings by small businesses of key man insurance, 2009
- Holdings by small businesses of key man insurance, 2009 (data)
- Holdings by small businesses of legal expenses insurance, 2009
- Holdings by small businesses of legal expenses insurance, 2009 (data)
- Holdings by small businesses of loss of rental income insurance, 2009
- Holdings by small businesses of loss of rental income insurance, 2009
(data)
- Holdings by small businesses of pecuniary loss liability insurance, 2009
- Holdings by small businesses of pecuniary loss liability insurance, 2009
(data)
- Holdings by small businesses of personal accident insurance for employees,
2009
- Holdings by small businesses of personal accident insurance for employees,
2009 (data)
- Holdings by small businesses of private health insurance for employees,
2009
- Holdings by small businesses of private health insurance for employees,
2009 (data)
- Holdings by small businesses of professional indemnity insurance, 2009
- Holdings by small businesses of professional indemnity insurance, 2009
(data)
- Holdings by small businesses of public / product liability insurance, 2009
- Holdings by small businesses of public / product liability insurance, 2009
(data)
- Holdings by small businesses of residential landlords' property insurance,
2009
- Holdings by small businesses of residential landlords' property insurance,
2009 (data)
- Holdings by small businesses of trade credit insurance, 2009
- Holdings by small businesses of trade credit insurance, 2009 (data)
- Evaluation and purchasing methods used by small businesses for business
insurance, 2009
- Expenditure by small businesses for business insurance during the last 12
months, 2009
- Flexibility of main business insurance package used by small businesses,
2009
- Number of business insurance providers used by small businesses, 2009
- Number of business insurance providers used by small businesses, 2009
(data)
- Providers used for main business insurance package bought by small
businesses, 2009
- Providers used for all other business insurance policies bought by small
businesses, 2009
- Distribution interface used for main business insurance package bought by
small businesses, 2009
- Distribution interface used for main business insurance package bought by
small businesses, 2009 (data)
- Distribution channel used for main business insurance package bought by
small businesses, 2009
- Distribution channel used for main business insurance package bought by
small businesses, 2009 (data)
- Broker used for main business insurance package bought by small businesses
using a broker, 2009
- Bank used for main business insurance package bought by small businesses
using a bank, 2009
- Interest in using online aggregators to search for or buy business
insurance, 2009
- Length of tenure of main business insurance package held by small
businesses, 2009
- Use of main business insurance provider for personal needs, 2009
- Frequency of contact with main business insurance provider for reasons
other than claims, 2009
- Period of time since last business insurance claim made, 2009 (overview)
- Period of time since last business insurance claim made, 2009 (detailed
analysis by category of small business)
- Period of time since last business insurance claim made, 2009 (detailed
analysis by category of small business) (data)
- Value of last business insurance claim made, 2009
- Likelihood of small businesses changing main business insurance package
during next 12 months, 2009
- Likelihood of small businesses changing main business insurance package
during next 12 mon., 2009 (data)
- Actual changes by small businesses of their main business insurance
package during last 12 months, 2009
- Actual changes by small businesses of their main business insurance
package during last 12 months, 2009 (data)
- Actual changes by small businesses of their main business insurance
package during last 12 months, 2009: segmentation by distribution interface
and channel used
- Actual changes by small businesses of their main business insurance
package during last 12 months, 2009: segmentation by distribution interface
and channel used (data)
- Factors prompting a change by small businesses of their main business
insurance package,2009
- Satisfaction of small businesses with services offered by provider of main
business insurance package, 2009
- Satisfaction of small businesses with services offered by provider of main
business insurance package, 2009 (data)
- Percentage of small businesses belonging to a professional or trade
association, 2009
- Percentage of small businesses belonging to a prof. or trade association,
2009 (data)
- Percentage of small businesses belonging to a franchise organisation, 2009
- Percentage of small businesses belonging to a franchise organisation, 2009
(data)
- Usage of commercial affinity groups to contract business insurance
services by small businesses belonging to a professional / trade association
or franchise, 2009
- Usage of commercial affinity groups to contract business insurance
services by small businesses belonging to a professional / trade association
or franchise, 2009 (data)
- Accessibility of business insurance provider: small business evaluation of
leading providers, 2009
- Breadth and quality of business insurance products: small business
evaluation of leading providers, 2009
- Breadth and quality of extra services offered: small business evaluation
of lead. providers, 2009 Ease of contact with business insurance provider:
small business evaluation of leading providers, 2009
- Frequency of contact with business insurance provider: small business
evaluation of leading providers, 2009
- Personal contact with named business insurance adviser: small business
evaluation of leading providers, 2009
- Efficiency of business insurance provider at the point of sale: small
business evaluation of leading providers, 2009
- Efficiency of business insurance provider on an on-going basis: small
business evaluation of leading providers, 2009
- Fairness of claims management (if used): small business evaluation of
leading providers, 2009
- Premiums charged for main business insurance package: small business
evaluation of leading providers, 2009
- Likelihood of small businesses changing main business insurance package
during next 12 months: small business evaluation of leading providers, 2009
- Relationship between overall evaluation of leading providers and
likelihood of small businesses change their main business insurance package
during next 12 months, 2009
- Overview of performance of AachenMunchener according to small business
customers, 2009
- Overview of performance of Allianz according to small business customers,
2009
- Overview of performance of Alte Leipziger according to small business
customers, 2009
- Overview of performance of ARAG according to small business customers, 2009
- Overview of performance of AXA (including DBV) according to small business
customers, 2009
- Overview of performance of D.A.S. according to small business customers,
2009
- Overview of performance of Generali (including Volksfursorge) according to
small business customers, 2009
- Overview of performance of Gothaer according to small business customers,
2009
- Overview of performance of Hamburg-Mannheimer according to small business
customers, 2009
- Overview of performance of HDI-Gerling according to small business
customers, 2009
- Overview of performance of HUK Coburg according to small business
customers, 2009
- Overview of performance of LVM according to small business customers, 2009
- Overview of performance of Provinzial according to small business
customers, 2009
- Overview of performance of R+V according to small business customers, 2009
- Overview of performance of Signal Iduna according to small business
customers, 2009
- Overview of performance of SV SparkassenVersicherung according to small
business customers, 2009
- Overview of performance of Victoria according to small business customers,
2009
- Overview of performance of Wurttembergische according to small business
customers, 2009
- Overview of performance of Zurich according to small business customers,
2009
- Overview of performance of other providers according to small business
customers, 2009
- Holdings of businesses with male owners for any form of business
insurance, 2009
- Number of relationships for business insurance held by businesses with
male owners, 2009
- Providers from which main business insurance packages and secondary
insurance products of businesses with male owners are acquired, 2009
- Percentage of businesses with male owners belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
businesses with male owners belonging to a commercial affinity group, 2009
- Holdings of businesses with female owners for any form of business
insurance, 2009
- Holdings by small businesses with female owners of specific forms of
business insurance, 2009
- Number of relationships for business insurance held by businesses with
female owners, 2009
- Providers from which main business insurance packages and secondary
insurance products of businesses with female owners are acquired, 2009
- Percentage of businesses with female owners belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
businesses with female owners belonging to a commercial affinity group, 2009
- Requirement of building and construction businesses of any form of
business insurance, 2009
- Holdings by building and construction businesses of specific forms of
business insurance, 2009
- Number of relationships for business insurance held by building and
construction businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of building and construction businesses are acquired, 2009
- Percentage of building and construction businesses belonging to a comm.
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
building and construction businesses belonging to a commercial affinity group,
2009
- Requirement of child or pet care businesses of any form of business
insurance, 2009
- Holdings by child or pet care businesses of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by child or pet care
businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of child or pet care businesses are acquired, 2009
- Percentage of child or pet care businesses belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by child
or pet care businesses belonging to a commercial affinity group, 2009
- Holdings of education or training businesses of any form of business
insurance, 2009
- Holdings by education or training businesses of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by education or
training businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of education or training businesses are acquired, 2009
- Percentage of education or training businesses belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
education or training businesses belonging to a commercial affinity group, 2009
- Holdings of healthcare or related services businesses for any form of
business banking service, 2009
- Holdings by healthcare or related services businesses of specific forms of
business insurance, 2009
- Number of relationships for business insurance held by healthcare or
related services businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of healthcare or related services businesses are acquired,
2009
- Percentage of healthcare or related services businesses belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
healthcare or related services businesses belonging to a commercial affinity
group, 2009
- Holdings of hotel, restaurant, cafe and pub businesses of any form of
business insurance, 2009
- Holdings by hotel, restaurant, cafe and pub businesses of specific forms
of business insurance, 2009
- Number of relationships for business insurance held by hotel, restaurant,
cafe and pub businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of hotel, restaurant, cafe and pub businesses are acquired,
2009
- Percentage of hotel, restaurant, cafe and pub businesses belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
hotel, restaurant, cafe and pub businesses belonging to a commercial affinity
group, 2009
- Requirement of I.T. services businesses of any form of business insurance,
2009
- Holdings by I.T. services businesses of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by I.T. services
businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of I. services businesses are acquired, 2009
- Percentage of I.T. services businesses belonging to a commercial affinity
group, 2009
- Usage of commercial affinity groups to acquire business insurance by I.T.
services businesses belonging to a commercial affinity group, 2009
- Holdings of logistics, motor trades or transportation businesses of any
form of business insurance, 2009
- Holdings by logistics, motor trades or transportation businesses of
specific forms of business insurance, 2009
- Number of relationships for business insurance held by logistics, motor
trades or transportation businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of logistics, motor trades or transportation businesses are
acquired, 2009
- Percentage of logistics, motor trades or transportation businesses
belonging to a commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
logistics, motor trades or transportation businesses belonging to a commercial
affinity group, 2009
- Holdings of manufacturing businesses of any form of business insurance,
2009
- Holdings by manufacturing businesses of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by manufacturing
businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of manufacturing businesses are acquired, 2009
- Percentage of manufacturing businesses belonging to a commercial affinity
group, 2009
- Usage of commercial affinity groups to acquire business insurance by
manufacturing businesses belonging to a commercial affinity group, 2009
- Holdings of media, marketing or entertainment businesses of any form of
business insurance, 2009
- Holdings by media, marketing or entertainment businesses of specific forms
of business insurance, 2009
- Number of relationships for business insurance held by media, marketing or
entertainment businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of media, marketing or entertainment businesses are
acquired, 2009
- Percentage of media, marketing or entertainment businesses belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
media, marketing and entertainment businesses belonging to a commercial
affinity group, 2009
- Requirement of professional or financial services businesses of any form
of business insurance, 2009
- Holdings by professional or financial services businesses of specific
forms of business insurance, 2009
- Number of relationships for business insurance held by professional or
financial services businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of professional or financial services businesses are
acquired, 2009
- Percentage of professional or financial services businesses belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
professional or financial services businesses belonging to a commercial
affinity group, 2009
- Holdings of property management or rental businesses of any form of
business insurance, 2009 Holdings by property management or rental businesses
of specific forms of business insurance, 2009
- Number of relationships for business insurance held by property management
or rental businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of property management or rental businesses are acquired,
2009
- Percentage of property management or rental businesses belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
property or rental management businesses belonging to a commercial affinity
group, 2009
- Requirement of retailing or other high street services businesses of any
form of business insurance, 2009
- Holdings by retailing or other high street services businesses of specific
forms of business insurance, 2009
- Number of relationships for business insurance held by retailing or other
high street services businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of retailing or other high street services businesses are
acquired, 2009
- Percentage of retailing or other high street services businesses belonging
to a commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
retailing or other high street services businesses belonging to a commercial
affinity group, 2009
- Requirement of other consumer or business services businesses of any form
of business insurance, 2009
- Holdings by other consumer or business service businesses of specific
forms of business insurance, 2009
- Number of relationships for business insurance held by other consumer or
business services businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of other consumer or business service businesses are
acquired, 2009
- Percentage of other consumer or business services businesses belonging to
a commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by other
consumer or business services businesses belonging to a commercial affinity
group, 2009
- Holdings of home-based businesses of any form of business insurance, 2009
- Holdings by home-based businesses of specific forms of business insurance,
2009
- Number of relationships for business insurance held by home-based
businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of home-based businesses are acquired, 2009
- Percentage of home-based businesses belonging to a commercial affinity
group, 2009
- Usage of commercial affinity groups to acquire business insurance by
home-based businesses belonging to a commercial affinity group, 2009
- Requirement of recently-established businesses of any form of business
insurance, 2009
- Holdings by recently-established businesses of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by
recently-established businesses, 2009
- Providers from which main business insurance packages and secondary
insurance products of recently-established businesses are acquired, 2009
- Percentage of recently-established businesses belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
recently-established businesses belonging to a commercial affinity group, 2009
- Holdings of self-employed individuals for any form of business insurance,
2009
- Holdings by self-employed individuals of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by self-employed
individuals, 2009
- Providers from which main business insurance packages and secondary
insurance products of selfemployed individuals are acquired, 2009
- Percentage of self-employed individuals belonging to a commercial affinity
group, 2009
- Usage of commercial affinity groups to acquire business insurance by
self-employed individuals belonging to a commercial affinity group, 2009
- Requirement of businesses with high cash or cheque receipts for any form
of business insurance, 2009
- Holdings by businesses with high cash or cheque receipts of specific forms
of business insurance, 2009
- Number of relationships for business insurance held by businesses with
high cash or cheque receipts, 2009
- Providers from which main business insurance packages and secondary
insurance products of businesses with high cash or cheque receipts are
acquired, 2009
- Percentage of businesses with high cash or cheque receipts belonging to a
commercial affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
businesses with high cash or cheque receipts belonging to a commercial
affinity group, 2009
- Requirement of businesses with international revenues for any form of
business insurance, 2009
- Holdings by businesses with international revenues of specific forms of
business insurance, 2009
- Number of relationships for business insurance held by businesses with
international revenues, 2009
- Providers from which main business insurance packages and secondary
insurance products of businesses with international revenues are acquired, 2009
- Percentage of businesses with internat. revenues belonging to a comm.
affinity group, 2009
- Usage of commercial affinity groups to acquire business insurance by
businesses with international revenues belonging to a commercial affinity
group, 2009
- Requirement of businesses with online revenues for any form of business
insurance, 2009
- Holdings by businesses with online revenues of specific forms of business
insurance, 2009
- Number of relationships for business insurance held by businesses with
online revenues, 2009
- Providers from which main business insurance packages and secondary
insurance products of businesses with online revenues are acquired, 2009
- Percentage of businesses with online revenues belonging to a commercial
affinity group, 2009
- Usage of commercial affinity groups to contract business insurance by
businesses with online revenues belonging to a commercial affinity group, 2009
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