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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n5bhenb5.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n5bhenb5.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n5bhenb5.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n5bhenb5.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n5bhenb5.nxe :where(ul,ol){padding-left:20px}#nxe-n5bhenb5.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n5bhenb5.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n5bhenb5.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n5bhenb5.nxe svg{display:none}#nxe-n5bhenb5.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n5bhenb5.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n5bhenb5.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"fieldmap\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A01 \u00b7 TOPIC \u00b7 insurance-market-structure<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Insurance Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Insurance Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Insurance market structure<\/h1><p class=\"nx-tagline\">Insurance moves risk from those who cannot carry it to those who can pool or hold it. Primary carriers write policies, brokers and agents place them, reinsurers absorb the tail, and capital markets, captives, mutuals and public pools fill the remaining roles. This page sets out how the parts fit, how risk and responsibility move between them, how the market is measured, and which institutions take the decisions that shape capacity and price.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-stage\" data-lv-fill=\"map\" data-lv-id=\"hazard\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"gulf-coast:finance\" data-ml-src=\"finance\" data-ml-plan=\"p-db8768f8\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-98,24,-80,33\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, the Gulf of Mexico coast: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"1\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"cover\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-time=\"latest\" data-wm-op=\"0.7\" data-wm-short=\"Land cover\" data-wm-prov=\"NASA LP DAAC\" data-wm-kind=\"Satellite classification; latest year GIBS publishes\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land cover type (IGBP), yearly<\/span><span class=\"nx-wm-layer-src\">NASA LP DAAC MODIS Terra and Aqua land cover (MCD12Q1) \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"cover\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For insurance market structure, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on the Gulf of Mexico coast; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\" target=\"_blank\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.modis-viirs.land\">MODIS land products (vegetation indices, gross primary production, land cover), NASA LP DAAC and LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\" target=\"_blank\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\" target=\"_blank\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><li>Land cover type (IGBP), yearly: MODIS Terra and Aqua land cover (MCD12Q1), NASA LP DAAC \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/insurance-market-structure\/#map\" data-nxf-title=\"Insurance Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-s-3-sec\"><span>02<\/span>Underwriting and claims console, in\u2026<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Insurance market structure: how the\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Insurance market structure is the arrangement of firms and vehicles through which risk is written, placed and held: primary carriers write policies, brokers and agents place them, reinsurers take the tail, and capital markets, captives, mutuals and public pools fill the remaining roles. Capacity and price move with the underwriting cycle and with capital.<\/p><\/div><\/div><\/section><section id=\"nx-s-3-sec\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Console<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Underwriting and claims console, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-insurance-underwriting\" data-cx=\"insurance.underwriting\" data-variant=\"section\" aria-label=\"Underwriting and claims console: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Underwriting and claims console<\/h3><p class=\"nx-fk-sub\">Insurance market structure \u00b7 Insurer Alpha \u00b7 Quarter 1<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Combined ratio, % of NEP<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">89<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">1<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,17.4L10.2,11.7L18.4,22L26.5,22L34.7,23L42.9,19.2L51.1,18.9L59.3,12.5L67.5,21.2L75.6,17.3L83.8,16.9L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,17.4L10.2,11.7L18.4,22L26.5,22L34.7,23L42.9,19.2L51.1,18.9L59.3,12.5L67.5,21.2L75.6,17.3L83.8,16.9L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Solvency ratio, % of SCR<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">181<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,7.4L10.2,12.1L18.4,16.6L26.5,23L34.7,19.7L42.9,13.6L51.1,18.4L59.3,11.7L67.5,11L75.6,9.3L83.8,6L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,7.4L10.2,12.1L18.4,16.6L26.5,23L34.7,19.7L42.9,13.6L51.1,18.4L59.3,11.7L67.5,11L75.6,9.3L83.8,6L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Rate adequacy<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">0.98<\/span><span class=\"nx-fk-kpi-u\">index<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,15.3L10.2,17.3L18.4,16L26.5,10.6L34.7,15.5L42.9,17.1L51.1,13.1L59.3,16.6L67.5,20.9L75.6,23L83.8,20.8L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,15.3L10.2,17.3L18.4,16L26.5,10.6L34.7,15.5L42.9,17.1L51.1,13.1L59.3,16.6L67.5,20.9L75.6,23L83.8,20.8L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Claims in 30 days, %<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">78<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,13L10.2,13.7L18.4,10.5L26.5,19.1L34.7,14.7L42.9,21.1L51.1,14.4L59.3,12L67.5,11.3L75.6,15.9L83.8,23L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,13L10.2,13.7L18.4,10.5L26.5,19.1L34.7,14.7L42.9,21.1L51.1,14.4L59.3,12L67.5,11.3L75.6,15.9L83.8,23L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Property book above appetite<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Insurance Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Lines of business<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-insurance-underwriting-t1\"><table class=\"nx-fk-table\" data-fk-table=\"cx-insurance-underwriting-t1\" aria-label=\"Lines of business\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Line<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">GWP (local m)<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Loss ratio (%)<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Rate change<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Appetite<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-insurance-underwriting:r1-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Property, commercial<\/td><td data-num=\"true\" data-sv=\"172\">172<\/td><td data-num=\"true\" data-sv=\"68\">68<\/td><td data-sv=\"11.740973319858313\">\u25b2 12<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Above<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-underwriting:r1-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Property, household<\/td><td data-num=\"true\" data-sv=\"243\">243<\/td><td data-num=\"true\" data-sv=\"73\">73<\/td><td data-sv=\"6.232157612219453\">\u25b2 6<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-underwriting:r1-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Motor<\/td><td data-num=\"true\" data-sv=\"210\">210<\/td><td data-num=\"true\" data-sv=\"65\">65<\/td><td data-sv=\"5.251766494475305\">\u25b2 5<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-underwriting:r1-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Health<\/td><td data-num=\"true\" data-sv=\"110\">110<\/td><td data-num=\"true\" data-sv=\"75\">75<\/td><td data-sv=\"1.5979653354734182\">\u25b2 2<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Loss ratio<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Loss ratio\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-insurance-underwriting-c2\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Actual|ink|l||0:42.7;1:43.5;2:39.9;3:39.9;4:37;5:41.1;6:40.4;7:45;8:49.9;9:52.3;10:49.9;11:55.2;12:52.2;13:48.8;14:51.4;15:54.4;16:51.6;17:55.3;18:49.9;19:50.7;20:50.8;21:51.3;22:49.2;23:54.4~Plan|acc|l||0:47;1:48.1;2:48.4;3:48.5;4:50.5;5:53.6;6:56.2;7:58.6;8:61.3;9:65;10:68.1;11:65.7;12:63.8;13:61.8;14:60.3;15:61.1;16:63;17:62.1;18:65.2;19:68.7;20:70.6;21:71.9;22:73.9;23:77.3\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Underwriting and claims console: the screen's structure, terms and states for Insurance market structure.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"health\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Insurance market structure: how the risk develops.<\/h2><p class=\"nx-lede\">Carriers, brokers and risk transfer roles. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Risk passes along a chain<\/h3><p class=\"nx-p nx-mt-1\">A household or firm cedes risk to a primary insurer, which cedes part to reinsurers, which retrocede part again or transfer it to investors through catastrophe bonds and collateralised vehicles. Each link has its own capital, contract terms and counterparty risk.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"3\"\/><circle cx=\"19\" cy=\"5\" r=\"2\"\/><circle cx=\"5\" cy=\"19\" r=\"2\"\/><path d=\"M10.4 21.9a10 10 0 0 0 9.941-15.416\"\/><path d=\"M13.5 2.1a10 10 0 0 0-9.841 15.416\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Capacity follows the cycle<\/h3><p class=\"nx-p nx-mt-1\">After large losses or capital shocks, capacity shrinks and prices and terms harden; as capital returns, they soften. Reinsurance renewals concentrated on a few dates transmit the cycle quickly into primary pricing and availability.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m11 17 2 2a1 1 0 1 0 3-3\"\/><path d=\"m14 14 2.5 2.5a1 1 0 1 0 3-3l-3.88-3.88a3 3 0 0 0-4.24 0l-.88.88a1 1 0 1 1-3-3l2.81-2.81a5.79 5.79 0 0 1 7.06-.87l.47.28a2 2 0 0 0 1.42.25L21 4\"\/><path d=\"m21 3 1 11h-2\"\/><path d=\"M3 3 2 14l6.5 6.5a1 1 0 1 0 3-3\"\/><path d=\"M3 4h8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Intermediaries shape placement<\/h3><p class=\"nx-p nx-mt-1\">Brokers, agents, managing general agents and coverholders hold distribution and sometimes underwriting authority. Delegated authority speeds placement but separates the party that prices the risk from the party that carries it.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" x2=\"21\" y1=\"22\" y2=\"22\"\/><line x1=\"6\" x2=\"6\" y1=\"18\" y2=\"11\"\/><line x1=\"10\" x2=\"10\" y1=\"18\" y2=\"11\"\/><line x1=\"14\" x2=\"14\" y1=\"18\" y2=\"11\"\/><line x1=\"18\" x2=\"18\" y1=\"18\" y2=\"11\"\/><polygon points=\"12 2 20 7 4 7\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Public and mutual layers<\/h3><p class=\"nx-p nx-mt-1\">Where private capacity withdraws, mutuals, takaful operators, residual market plans, national pools and government reinsurers take part of the risk. Their terms change incentives across the whole market.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Insurance penetration<\/td><td data-label=\"Definition\">Gross written premium as a share of gross domestic product, a measure of how much insurance an economy buys.<\/td><\/tr><tr><td data-label=\"Term\">Insurance density<\/td><td data-label=\"Definition\">Gross written premium per head of population, usually expressed in a common currency.<\/td><\/tr><tr><td data-label=\"Term\">Insurance-linked securities<\/td><td data-label=\"Definition\">Securities, such as catastrophe bonds, whose returns depend on insurance losses, which bring capital-market investors into risk transfer.<\/td><\/tr><tr><td data-label=\"Term\">Underwriting cycle<\/td><td data-label=\"Definition\">The recurring swing between soft markets, with ample capacity and falling prices, and hard markets, with scarce capacity and rising prices.<\/td><\/tr><tr><td data-label=\"Term\">Captive insurer<\/td><td data-label=\"Definition\">An insurance company owned by a non-insurance group to insure that group's own risks.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Gross written premium by line and market<\/td><td data-label=\"Unit\">currency per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory statistical returns<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Insurance penetration<\/td><td data-label=\"Unit\">premium as a percent of GDP<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Premium statistics against national accounts<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Insurance density<\/td><td data-label=\"Unit\">premium per capita, currency<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Premium statistics against population<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Market concentration<\/td><td data-label=\"Unit\">Herfindahl-Hirschman index, dimensionless<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Market share statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Reinsurance cession ratio<\/td><td data-label=\"Unit\">ceded premium as a percent of gross premium<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Statutory financial statements<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Alternative reinsurance capital<\/td><td data-label=\"Unit\">currency<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Broker and industry reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Property catastrophe reinsurance rate-on-line index<\/td><td data-label=\"Unit\">index<\/td><td data-label=\"Cadence\">at main renewal dates<\/td><td data-label=\"Source type\">Broker renewal reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Solvency ratio distribution<\/td><td data-label=\"Unit\">eligible own funds over capital requirement, percent<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory disclosures<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/insurance-market-structure\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Insurance market structure as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a01-topics-insurance-market-structure-foo-t nx-dag-a01-topics-insurance-market-structure-foo-d\" data-nx-z=\"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\"><title id=\"nx-dag-a01-topics-insurance-market-structure-foo-t\">Insurance market structure: food security early warning to early action<\/title><desc id=\"nx-dag-a01-topics-insurance-market-structure-foo-d\">Market prices, crop conditions and rainfall feed a seasonal outlook and a food security analysis by area; projected phases are tested against pre-agreed triggers, and early actions are released before the lean season. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">OECD Global Insurance Statistics<\/td><td data-label=\"What it gives\">Premiums, claims, investments and market structure by country<\/td><td data-label=\"Licence class\">Free, OECD terms<\/td><\/tr><tr><td data-label=\"Source\">IAIS Global Insurance Market Report (GIMAR)<\/td><td data-label=\"What it gives\">Sector-wide monitoring of risks and trends from the global monitoring exercise<\/td><td data-label=\"Licence class\">Public, IAIS terms<\/td><\/tr><tr><td data-label=\"Source\">EIOPA insurance statistics<\/td><td data-label=\"What it gives\">Solvency II reporting aggregates by country and line of business<\/td><td data-label=\"Licence class\">Public, EU reuse terms<\/td><\/tr><tr><td data-label=\"Source\">NAIC market share reports and statistical compilations<\/td><td data-label=\"What it gives\">United States premium and market share by insurer group and line<\/td><td data-label=\"Licence class\">Public reports; detailed data under NAIC licence<\/td><\/tr><tr><td data-label=\"Source\">Swiss Re Institute sigma<\/td><td data-label=\"What it gives\">World insurance premiums, penetration and density by region<\/td><td data-label=\"Licence class\">Proprietary research, reports free to read<\/td><\/tr><tr><td data-label=\"Source\">Lloyd's annual report and market statistics<\/td><td data-label=\"What it gives\">Capacity, syndicate results and delegated authority in the Lloyd's market<\/td><td data-label=\"Licence class\">Public reports<\/td><\/tr><tr><td data-label=\"Source\">Artemis deal directory<\/td><td data-label=\"What it gives\">Catastrophe bond and insurance-linked securities transactions<\/td><td data-label=\"Licence class\">Proprietary, free to read under terms<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/insurance-market-structure\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Insurance Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Insurance supervisors<\/td><td data-label=\"The question\">Whether capacity, concentration or reliance on a few reinsurers threatens policyholder protection in their market<\/td><td data-label=\"Evidence this page serves\">Market structure statistics, cession ratios and counterparty concentration, labelled by source<\/td><\/tr><tr><td data-label=\"Who decides\">Primary insurers' boards<\/td><td data-label=\"The question\">How much risk to retain and how much to cede, and to whom<\/td><td data-label=\"Evidence this page serves\">Retention and cession practice across the market, counterparty quality and the cost of capital relief<\/td><\/tr><tr><td data-label=\"Who decides\">Reinsurers and insurance-linked securities investors<\/td><td data-label=\"The question\">How much capacity to deploy in a peril and region, and on what terms<\/td><td data-label=\"Evidence this page serves\">Exposure concentration, loss history and model uncertainty, with sources and labels<\/td><\/tr><tr><td data-label=\"Who decides\">Competition authorities and finance ministries<\/td><td data-label=\"The question\">Whether concentration or withdrawal calls for intervention, a residual market or a public reinsurer<\/td><td data-label=\"Evidence this page serves\">Concentration measures, availability evidence and the record of comparable public schemes<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to roles and responsibilities along the risk transfer chain<\/li><li>Glossary of market structures with jurisdictional differences noted<\/li><li>Sector resilience brief on capacity, concentration and counterparty dependence<\/li><li>Method note on reading penetration and density without mistaking them for protection<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"health\" data-variant=\"stack\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">What professionals ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>How is risk distributed between primary insurers, reinsurers and capital markets?<\/li><li>What roles do intermediaries play, and how do they affect information and incentives?<\/li><li>How concentrated are key markets, such as global reinsurance, and what does that mean for resilience?<\/li><li>How do mutuals, captives and public schemes complement commercial insurance?<\/li><li>How do market cycles of hard and soft pricing affect availability of cover?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Drivers and dynamics.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Risk moves through a chain. Primary insurers accept risk from policyholders and cede part of it to reinsurers, who may retrocede part again. Since the 1990s, insurance-linked securities have allowed capital market investors to take on catastrophe risk directly. Intermediaries such as brokers advise buyers and place risk, while managing general agents underwrite on behalf of carriers. Each link adds capacity and expertise, but also complexity and potential points of failure.<\/p><p class=\"nx-p\">Insurance markets move through cycles. After major losses or when investment returns fall, capacity tightens, prices rise and terms narrow; when capital is abundant, the reverse happens. These cycles affect whether households and firms can obtain cover. Public schemes and pools fill gaps where private markets withdraw, as with flood or terrorism cover in several countries.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"climate\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and limits<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How it is studied.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Market data analysis<\/h3><p class=\"nx-p nx-mt-1\">Aggregate premium, capacity and concentration data, compiled from public and supervisory sources.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Network analysis<\/h3><p class=\"nx-p nx-mt-1\">Mapping reinsurance and retrocession links to understand how losses could cascade.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Comparative research<\/h3><p class=\"nx-p nx-mt-1\">Studies of how market structures and public schemes differ across jurisdictions.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Limits<\/h3><p class=\"nx-p nx-mt-1\">Detailed reinsurance data is often confidential, market structures change quickly, and aggregate analysis cannot capture individual contracts.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Actuarial mathematics<\/span><span class=\"nx-mledger-role\">Loss reserving with development triangles \u00b7 Experience rating and credibility<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/actuarial-math\/\" aria-label=\"Actuarial mathematics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Frequency and severity modelling \u00b7 Bayesian updating of assumptions<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Probability and statistics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/extreme-value\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Extreme value theory and tail risk<\/span><span class=\"nx-mledger-role\">Large-loss pricing for excess layers \u00b7 Tail measures for solvency capital<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/extreme-value\/\" aria-label=\"Extreme value theory and tail risk: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Market statistics are compiled on different accounting bases, line definitions and reporting dates, so cross-country comparison needs reconciliation. Delegated authority, captives and collateralised reinsurance are less visible than licensed carriers. Penetration measures premium, not protection: a high figure can hide wide gaps in particular perils or populations. Insurance Nexus describes structure; it does not rate, rank or recommend any carrier, broker or vehicle.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is the difference between a broker and an agent?<\/summary><div class=\"nx-answer\">A broker generally acts for the client and places risk with several insurers; an agent generally acts for one or more insurers. Duties and remuneration rules differ by jurisdiction, so the local law governs.<\/div><\/details><details><summary>What does a reinsurer do?<\/summary><div class=\"nx-answer\">A reinsurer insures insurers. It absorbs part of their losses, especially large or accumulated ones, in exchange for premium, which frees capital and stabilises results for the ceding company.<\/div><\/details><details><summary>What is alternative capital?<\/summary><div class=\"nx-answer\">Capacity from investors outside traditional reinsurers, through catastrophe bonds, collateralised reinsurance, sidecars and industry loss warranties. It is usually fully collateralised, and it can be withdrawn or trapped after large losses.<\/div><\/details><details><summary>Does Insurance Nexus rate insurers?<\/summary><div class=\"nx-answer\">No. Financial strength ratings are issued by registered rating agencies and solvency is assessed by supervisors. Insurance Nexus explains how the structures work and what the published evidence shows.<\/div><\/details><details><summary>Why does reinsurance concentration matter?<\/summary><div class=\"nx-answer\">Because a small number of large reinsurers carry much of the world's catastrophe risk, their capacity affects cover available everywhere.<\/div><\/details><details><summary>What is an insurance-linked security?<\/summary><div class=\"nx-answer\">A financial instrument that transfers insurance risk, often catastrophe risk, to capital market investors.<\/div><\/details><details><summary>Does GRA recommend carriers or brokers?<\/summary><div class=\"nx-answer\">No. It does not introduce counterparties or recommend any firm.<\/div><\/details><details><summary>Does GRA give advice on this topic?<\/summary><div class=\"nx-answer\">No. GRA does not underwrite, sell, solicit, negotiate, place or broker insurance, and it does not rate, advise on or arrange transactions. Readiness work is not approval. Its analysis is shared, sector-level understanding.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" class=\"nx-h3 nx-mt-2\">Around Insurance Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/underwriting-and-pricing-risk\/\">Underwriting and pricing risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/property-and-casualty\/\">Property and casualty <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/health-and-life-insurance\/\">Health and life insurance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/claims-and-operational-resilience\/\">Claims and operational resilience <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-protection-gaps\/\">Insurance protection gaps <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/climate-and-nature-risk\/\">Climate and nature risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/\">Insurance Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-16\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Insurance%20Nexus%3A%20Insurance%20market%20structure\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the difference between a broker and an agent?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A broker generally acts for the client and places risk with several insurers; an agent generally acts for one or more insurers. Duties and remuneration rules differ by jurisdiction, so the local law governs.\"}},{\"@type\":\"Question\",\"name\":\"What does a reinsurer do?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A reinsurer insures insurers. It absorbs part of their losses, especially large or accumulated ones, in exchange for premium, which frees capital and stabilises results for the ceding company.\"}},{\"@type\":\"Question\",\"name\":\"What is alternative capital?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Capacity from investors outside traditional reinsurers, through catastrophe bonds, collateralised reinsurance, sidecars and industry loss warranties. It is usually fully collateralised, and it can be withdrawn or trapped after large losses.\"}},{\"@type\":\"Question\",\"name\":\"Does Insurance Nexus rate insurers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Financial strength ratings are issued by registered rating agencies and solvency is assessed by supervisors. Insurance Nexus explains how the structures work and what the published evidence shows.\"}},{\"@type\":\"Question\",\"name\":\"Why does reinsurance concentration matter?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because a small number of large reinsurers carry much of the world's catastrophe risk, their capacity affects cover available everywhere.\"}},{\"@type\":\"Question\",\"name\":\"What is an insurance-linked security?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A financial instrument that transfers insurance risk, often catastrophe risk, to capital market investors.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA recommend carriers or brokers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It does not introduce counterparties or recommend any firm.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA give advice on this topic?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. GRA does not underwrite, sell, solicit, negotiate, place or broker insurance, and it does not rate, advise on or arrange transactions. Readiness work is not approval. 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