** Analysts at Macquarie say a merger of Chubb CB.BN and American International Group AIG.N could help put a floor under Australian commercial insurance premium rates, even if it does not reverse the broader downtrend
** Media reports emerged earlier in the month that insurance firm Chubb had made an informal approach for AIG
** Macquarie says talk of a potential Chubb–AIG deal highlights mounting pressure on global insurers as commercial premium rates roll over, a backdrop that keeps downside risks for earnings in focus
** Combining the sixth- and eighth-largest players in the Australian market would modestly reduce fragmentation in a sector with 40 APRA-regulated insurers, easing competitive intensity at the margin - Macquarie
** Brokerage adds merged group would rank third in Australian commercial lines, but overall concentration would remain low, limiting any step-change in pricing power
** The Australian insurance sector is currently dominated by companies including Insurance Australia Group IAG.AX, QBE Insurance QBE.AX, Suncorp SUN.AX and Allianz ALVG.DE
(Reporting by Rishav Chatterjee in Bengaluru)
((Rishav.Chatterjee@thomsonreuters.com))
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