ResearchPricingCommercial

Non-life Rate Benchmark

An in-depth benchmark of the competitive position and market conformity of your own pricing model, across every relevant premium variable and target group. On commercial non-life insurance, the first and only source of reliable, granular insight into market positions and market conformity.

Available for
  • Contents
  • Goods
  • Buildings
  • Private motor
  • Private home
  • Absenteeism

Per product as a market view or with your own position highlighted.

Strategic questions this research answers

  • What does a rate change actually deliver in market position — and what does it cost in margin?
  • Is the pricing model market-conform, in granularity and in the risk variables it uses?
  • In which sectors and target groups is the position strong, and where is business structurally lost on price?
  • Where is there room to raise premiums without losing market share?
  • Which risks flow in of their own accord under the current rates, and which flow to the competition?

An example from the research

Figure 1 — location differentiation

Four of the seven providers do not price location at all

Premium spread between the most and least expensive municipality at equal rebuild value, by provider

Four of the seven providers do not price location at all
Provider 2 uses 131 distinct premium levels, Provider 6 uses 41 and Provider 7 uses 26. The remaining four apply a single premium level across the Netherlands. Providers are anonymised. Source: Buildings Insurance Pricing Market Report 2026, Riverwise Insights.