Field note
Insurer concentration on small Hong Kong books | Panel Cornerpoint
25 November 2025
Small and mid-size Hong Kong books often lean on two or three carriers without noticing until an appetite change arrives mid-renewal. Portfolio visualization is useful here precisely because it is quiet — no drama, just a clear panel.
What to measure
Share of premium by insurer, share of policy count, and share of upcoming renewals in the next ninety days. The third view is the one principals forget.
What not to conclude
Concentration alone is not a verdict. Some specialists should be concentrated. The question is whether the desk chose it or drifted into it.