Industry research

Insurance & InsurTech market research

Define the insured risk, product line, distribution route, and entity carrying the obligation. Premiums, claims, exposures, and technology revenue should not be treated as interchangeable measures.

Research options Discuss your scope
Insurance analyst and client reviewing a property risk assessment
Insurance comparisons require a clear line of business and policy basis.

Market definition

Set the boundary before comparing.

Insurance totals change with gross or net premiums, geography, risk class, and the point at which a policy is counted.

  1. 01Property and casualty

    Written premium, exposures, policies, or claims

    Define personal or commercial lines, peril, coverage limit, and gross or net basis.

  2. 02Life and health

    Policies, covered lives, premium, or reserves

    Separate protection, savings, annuity, group, and individual products.

  3. 03Reinsurance

    Ceded premium, assumed premium, or risk capital

    State treaty or facultative scope, contract year, attachment point, and gross or net view.

  4. 04InsurTech and distribution

    Policies bound, premiums placed, or software revenue

    Distinguish carrier underwriting from broker, MGA, distribution, and technology activity.

Decision context

What shapes the opportunity?

Use these lenses to build a market view around the decision, customer, and time horizon that matter to you.

  1. 01

    Loss and exposure

    Compare frequency, severity, reserve development, and insured exposure with the policy terms in scope.

  2. 02

    Distribution and acquisition

    Map brokers, agents, affinity channels, embedded offers, and direct sales to acquisition cost and retention.

  3. 03

    Capital and supervision

    Review solvency rules, reserving treatment, investment exposure, and jurisdiction-specific product approval.

Research options

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Buyer questions

Questions worth resolving.

Use these checks to test whether a report answers your decision or needs a narrower research brief.

  1. 01

    Who carries the risk?

    Identify the carrier, reinsurer, MGA, broker, and technology provider, including delegated underwriting authority.

  2. 02

    Which premium basis is used?

    Gross written, net written, earned premium, and premium placed have different timing and ownership.

  3. 03

    What does the loss ratio include?

    Check earned premium, claims incurred or paid, reserve movements, commissions, and catastrophe treatment.

Definitions and evidence

Check what the measures represent.

Insurer assets, liabilities, premiums, and profitability should remain separate measures. Compare the reporting population and accounting basis before treating an industry aggregate as the opportunity for an insurance product or technology provider.

Supervisory aggregates describe the covered insurer population, rather than every local product or insurtech business. Direct insurance, reinsurance, distribution, and software fees require separate inclusion rules.

Reference sources checked .

Related analysis

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Your next question

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