Kosten fehlerhafter Risikobewertungen
Definition
In P&C insurance, combined ratios exceeded 100% (e.g., motor 111% in 2023), causing underwriting losses from poor risk evaluation during needs analysis.
Key Findings
- Financial Impact: €1,9 Mrd. technischer Verlust in Sachversicherung 2024; Combined Ratio >100% = 5-11% Premiumverlust
- Frequency: Jährlich, verstärkt durch Inflation
- Root Cause: Manuelle Risikobewertung ohne Datenintegration
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Insurance Agencies and Brokerages.
Affected Stakeholders
Risikobewerter, Underwriter, Broker
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
Verzögerte Prämienzahlung nach Risikoanalyse
GoBD-Verstöße bei Risikodokumentation
Kundenabwanderung durch langsame Bedarfsanalyse
Betrügerische Provisionszahlungen
Fehlentscheidungen durch ungenaue Policenvergleiche
Falsche Bindungsentscheidungen durch Datenmangel
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