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Cost Differences of Distribution Systems by Line in the Property and Liability Insurance Industry


  • George B. Flanigan
  • Daniel T. Winkler
  • Joseph E. Johnson


This study identifies changes in aggregate market share between 1976 and 1988 for property and liability companies classified by distribution system. Evidence is presented that distribution system type produces differences in relative total expense levels. Market share changes suggest independent agency companies are most effective in lines where claimed higher levels of service are important, such as in workers’ compensation and the commercial insurance lines. The independent agency companies have been less effective in maintaining market share in standardized lines such as homeowners and personal automobile. In standardized lines, cost appears more important and claimed higher levels of service and professionalism are less likely to have an impact.

Suggested Citation

  • George B. Flanigan & Daniel T. Winkler & Joseph E. Johnson, 1993. "Cost Differences of Distribution Systems by Line in the Property and Liability Insurance Industry," Journal of Insurance Issues, Western Risk and Insurance Association, vol. 16(2), pages 59-73.
  • Handle: RePEc:wri:journl:v:16:y:1993:i:2:p:59-73

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    Cited by:

    1. Hecht, Jason, 1999. "Modeling market shares of the leading personal automobile insurance companies," Journal of Economics and Business, Elsevier, vol. 51(3), pages 279-296, May.

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