Zurich Insurance Group Business Model Canvas
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Strategic blueprint of a global insurer: revenue streams, channels and growth vectors
Unlock the strategic blueprint behind Zurich Insurance Group’s business model with a concise overview of its value propositions, channels and partnerships. This snapshot highlights revenue streams, cost drivers and growth vectors for investors and strategists. Purchase the full editable Business Model Canvas in Word/Excel to drill into company-specific insights and actionable recommendations.
Partnerships
Global reinsurance providers
Zurich partners with top-tier reinsurers to transfer peak risks and stabilize earnings across cycles. These relationships enable capital efficiency and support underwriting capacity in catastrophe-prone lines through structured treaties and facultative placements that improve portfolio diversification. Joint analytics with reinsurers, notably Munich Re, Swiss Re and Hannover Re (together roughly 40% of global capacity), enhance pricing and accumulation control.
Brokers and distribution intermediaries
Global and regional brokers connect Zurich to complex commercial risks and multinational clients, supporting its presence in more than 215 countries and territories (2024). Intermediaries provide market access, client insight and placement expertise. Co-marketing and product co-design with brokers strengthen value delivery. Data-sharing agreements refine underwriting accuracy and service levels.
Technology and insurtech vendors
Technology and insurtech vendors provide Zurich with digital platforms, data lakes, AI/ML and automation that accelerate quote-bind-issue, claims triage and fraud detection, with sandbox pilots in 2024 de-risking innovation before scale-up and reporting pilot efficiency gains in live trials; cybersecurity partners ensure customer data protection and regulatory compliance across jurisdictions.
Repair networks and medical providers
Preferred auto and property repair networks shorten cycle times and lower costs through standardized parts and negotiated rates; health and life claims depend on accredited medical providers for objective assessments and continuity of care. Service-level agreements enforce quality and transparency, while integrated scheduling and billing streamline customer experience and improve loss outcomes.
- Preferred networks: faster repairs, lower claims costs
- Accredited providers: reliable medical assessments
- SLA: quality, transparency
- Integrated scheduling/billing: better customer experience
Bancassurance and affinity partners
Banks, retailers and membership organizations enable Zurich to embed and co‑brand insurance, supporting high-volume, lower‑cost acquisition; industry studies in 2024 show bancassurance can halve customer acquisition costs versus direct channels. Bundled propositions lift attach rates and retention (typical uplift 15–30% in 2024 studies). Data partnerships enable tailored pricing and personalized cross‑sell, improving conversion by around 20% in market analyses.
- Banks/retailers: embedded distribution, scale
- Affinity groups: targeted co‑branding
- Lower CAC: up to ~50% reduction (2024)
- Attach/retention uplift: ~15–30% (2024)
- Data-driven cross‑sell: ~20% higher conversion (2024)
Reinsurance (~40%) and global brokers (215+ markets) cut CAC 50%
Zurich leverages top reinsurers (Munich Re, Swiss Re, Hannover Re) to stabilize capital and transfer peak risks; these reinsurers account for roughly 40% of global reinsurance capacity. Global/regional brokers enable access to complex multinationals across 215+ countries and territories (2024). Tech/insurtech partners accelerate automation and AI pilots (2024), while bancassurance and affinity deals cut CAC up to 50% and lift attach/retention 15–30% (2024).
| Partnership | Key partners/metrics (2024) |
|---|---|
| Reinsurers | Munich Re, Swiss Re, Hannover Re — ~40% global capacity |
| Distribution | Brokers & 215+ countries/territories |
| Bancassurance | CAC ↓ up to 50%; attach/retention ↑ 15–30% |
| Data/Tech | AI/ML pilots, claims automation, cybersecurity |
What is included in the product
Detailed Word Document
A comprehensive Business Model Canvas for Zurich Insurance Group detailing its nine core blocks—customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structure—aligned with real-world operations and strategic priorities. Includes competitive advantage analysis and linked SWOT insights to support investor presentations, strategic planning, and validation of growth initiatives.
Customizable Excel Spreadsheet
High-level view of Zurich Insurance Group’s business model with editable cells, relieving the pain of scattered strategy documents and lengthy reports.
Activities
Risk selection and underwriting
Zurich assesses exposures using actuarial models, risk engineering and market intelligence across its 215+ country footprint. Guidelines and delegated authorities align pricing with stated risk appetite, while portfolio steering optimizes the mix by geography, industry and peril. Continuous improvement efforts aim for loss-ratio stability and operational resilience, supported by over 50,000 employees.
Claims management and recovery
End-to-end claims handling at Zurich emphasizes speed, fairness and fraud prevention, leveraging digital FNOL and straight-through processing to shorten resolution times. Zurich operates in 215 countries and territories and uses automated workflows to increase efficiency. Subrogation and salvage programs maximize recoveries, while catastrophe response scales via specialized teams and vendor surge capacity.
Product design and pricing
Modular products span personal, SME, corporate and multinational segments, supporting Zurich's over 55 million customers worldwide in 2024. Usage-based and parametric solutions broaden relevance, while advanced pricing uses telematics, IoT and external data feeds. Continuous feedback loops adjust coverage, limits and terms to real-world loss trends.
Risk engineering and prevention
Zurich's risk engineering and prevention advisory reduces loss frequency and severity through targeted site surveys, IoT sensors and analytics that inform remediation plans and operational changes; 2024 studies report up to 30% fewer claims where proactive IoT and prevention programs are deployed. Industry benchmarks guide executive risk decisions, lowering claims and boosting client loyalty.
- Advisory services: loss reduction
- IoT & surveys: data-driven remediation
- Benchmarks: executive decisions
- Prevention: lower claims, higher loyalty
Capital management and compliance
Zurich allocates capital to lines with attractive risk-adjusted returns and uses asset-liability management across its roughly 210+ country operations to support guarantees and meet Solvency II and Swiss Solvency Test requirements while complying with US statutory regimes.
- Global footprint: 210+ countries and territories
- Regimes: Solvency II, Swiss Solvency Test, US statutory
- Focus: RoE-driven allocation, ALM-backed guarantees
- ERM: centralized accumulation and emerging-risk governance
Global insurer: underwriting in 215+ countries, 55M clients, IoT reduces claims up to 30%
Zurich runs global underwriting, pricing and portfolio steering across 215+ countries, supported by 50,000+ employees and ALM to meet Solvency II/SST requirements. Claims operations use digital FNOL and STP to accelerate settlements and subrogation, while catastrophe surge teams scale response. Risk engineering and IoT prevention cut claims up to 30% in pilot programs; Zurich served 55M customers in 2024.
| Metric | 2024 |
|---|---|
| Countries | 215+ |
| Customers | 55M |
| Employees | 50,000+ |
| Claims reduction (IoT) | Up to 30% |
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Resources
Brand and global footprint
Zurich’s recognized brand and presence in over 210 countries and territories attracts diverse customer segments and supports roughly 10 million customers globally. Local licences and deep market knowledge across key markets enable compliant operations and faster claims handling. Multinational servicing capabilities deliver complex programs spanning 80+ countries, differentiating Zurich in global placements. This reputation underpins strong broker trust and client retention.
Underwriting and actuarial talent
Experienced underwriting and actuarial teams at Zurich translate data into disciplined risk selection, supported by a global workforce of over 51,000 employees (2024). Specialized expertise spans cyber to engineering lines, enabling tailored coverage and risk appetite alignment. Robust actuarial models and reserving capabilities underpin pricing adequacy and IFRS 17-aligned reserving. Ongoing training programs sustain technical excellence and model governance.
Data, platforms, and analytics
Integrated data warehouses feed underwriting, claims and finance across Zurich’s footprint in more than 215 countries and territories; AI/ML models boost detection, pricing and operations while APIs enable ecosystem connectivity and embedded insurance, and robust governance—with about 55,000 employees (2023)—ensures data quality and regulatory compliance.
Capital base and investment portfolio
A strong capital base allows Zurich to offer large limits and maintain catastrophe readiness while diversified investments back technical liabilities and generate investment income. Active asset-liability management aligns duration and currency profiles with obligations to reduce market mismatch, and reinsurance and risk-transfer programs complement own capital to absorb peak losses. Zurich held an S&P rating of A+ with stable outlook in 2024, supporting market confidence.
- Capital strength: A+ S&P (2024)
- Diversified AUM across fixed income, equities, alternatives
- ALM: duration/currency matching
- Reinsurance: catastrophe and risk-transfer layers
Distribution relationships
Long-standing broker ties and direct channels give Zurich broad market access, supported by bancassurance and affinity alliances that expand reach; digital portals now streamline SME and personal lines sales, boosting conversion and renewals. Relationship depth enables cross-sell, with the group operating across c.215 countries and territories and employing ≈55,000 staff (2024).
- Broker network: long-standing market access
- Bancassurance/affinity: extended reach
- Digital portals: SME & personal lines sales
- Relationships: support cross-sell & renewals
Licensed in ~215 countries; serves ~10m customers
Zurich leverages global brand and licences across ~215 countries to serve ~10m customers and 55,000 employees (2024). Strong capital (S&P A+ 2024), diversified AUM and ALM support large-limit underwriting and catastrophe readiness. Advanced data platforms and AI/ML plus multinational servicing drive pricing, claims and embedded distribution.
| Metric | 2024 |
|---|---|
| Countries/territories | ~215 |
| Customers | ~10m |
| Employees | ≈55,000 |
| S&P | A+ (stable) |
Value Propositions
Comprehensive risk solutions
Comprehensive end-to-end coverage across property, casualty, specialty and life, with tailored programs for individuals, SMEs and multinationals; add-on risk engineering and claims advisory enhance prevention and recovery. In 2024 Zurich delivered global coordination with local execution across 170+ countries.
Financial strength and reliability
Zurich's strong ratings—S&P AA- and Moody's A1 as of 2024—plus robust capital backing provide confidence in claim payment. Conservative reserving practices support stability through cycles and transparent governance fosters trust with clients and regulators. Long-term reinsurance and distribution partnerships reduce counterparty uncertainty and underpin reliability.
Faster, simpler claims
Digital intake and triage speed settlements, cutting average claim cycle times by up to 50% and enabling faster cash flow. Preferred repair and medical networks shorten downtime and lower out-of-pocket costs for customers. Clear, proactive updates lift satisfaction and NPS by double digits. Consistently fair outcomes drive loyalty and referrals, improving retention and acquisition metrics.
Data-driven pricing and prevention
Telematics, IoT and external data sharpen risk differentiation, with 2024 studies showing usage-based telematics can reduce claims frequency by up to 20% and severity through behavioral insights. Clients receive financial incentives for safer behaviors; prevention lowers losses and can reduce premiums over time. Parametric triggers enable rapid, objective payouts within hours to days.
- Telematics: usage-based differentiation
- IoT: real-time prevention
- Incentives: lower premiums
- Parametric: fast payouts
Global programs and service
Zurich coordinates master policies with local admitted coverage across 215 markets to support multinationals. Centralized oversight ensures regulatory compliance and tax alignment while dedicated service teams manage certificates, claims and cash flows. Real-time dashboards provide near-real-time control and visibility for risk and cash management.
- Master policies with local admission
- Central compliance & tax alignment
- Dedicated certificates, claims, cash teams
- Real-time dashboards for visibility
Global insurance platform: 170+ countries, S&P AA-, digital claims cut cycles 50%
Comprehensive, cross-line coverage with risk engineering and claims advisory, delivering local execution across 170+ countries in 2024. Strong capital and ratings (S&P AA-, Moody’s A1 in 2024) plus reinsurance partnerships bolster claim payment confidence. Digital intake, preferred networks and parametric solutions cut claim cycles up to 50%, lift NPS double-digits and telematics lower frequency up to 20%.
| Metric | 2024 |
|---|---|
| Ratings | S&P AA-, Moody’s A1 |
| Countries | 170+ |
| Markets (master policies) | 215 |
| Claim cycle reduction | Up to 50% |
| Telematics impact | - up to 20% frequency |
| NPS uplift | Double-digit |
Customer Relationships
Advisory and consultative engagement
Bespoke risk assessments and workshops deepen understanding, delivered through Zurich’s global footprint in over 215 countries and territories with about 55,000 employees. Executive-level dialogue aligns coverage to strategy. Ongoing reviews adjust programs as exposures evolve. Value is measured beyond price in outcomes and enterprise resilience.
Digital self-service
Portals and apps enable quotes, endorsements, certificates and claims tracking, giving customers end-to-end self-service for routine insurance tasks. 24/7 access reduces friction and can cut service costs by up to 30% according to industry analyses. Embedded help and chatbots resolve common tasks, speeding outcomes and lowering handler demand. Usage analytics feed continuous UX improvements, raising digital conversion and retention.
Broker-enabled servicing
Brokers coordinate placements, renewals and complex claims for Zurich, supporting distribution across commercial lines; in 2024 Zurich served around 20 million customers. Joint account plans set measurable goals and service standards with brokers. Regular quarterly stewardship meetings track performance and remediation. Co-branded materials support client communication and retention.
Loyalty and retention programs
Loyalty and retention programs combine multi-policy discounts and safe-behavior rewards to increase customer stickiness, while proactive renewal outreach reduces churn; educational content raises financial literacy and NPS-driven actions target specific pain points to improve satisfaction and lifetime value.
- multi-policy discounts improve cross-sell and retention
- safe-behavior rewards lower claims frequency
- proactive renewal outreach cuts lapse rates
- NPS-driven fixes resolve top customer complaints
Dedicated key account management
Global bespoke risk advisory boosts retention and cuts service costs up to 30%
Bespoke risk advisory and executive dialogue align coverage to strategy across Zurich’s global footprint; ongoing reviews and named account teams (1,000 global corporates) ensure prioritized resolution. Digital portals and 24/7 self-service cut service costs up to 30% and boost retention. Brokers and loyalty programs drive cross-sell and renewal performance for ~20,000,000 customers in 2024.
| Metric | 2024 |
|---|---|
| Customers | 20,000,000 |
| Employees | 55,000 |
| Countries | 215 |
| Global accounts | 1,000 |
| Digital cost saving | up to 30% |
Channels
Global and regional brokers
Brokers deliver Zurich access to large commercial and specialty risks and aggregate demand while advising clients on market terms; Zurich reported CHF 51.6 billion in gross written premiums in 2023, underscoring scale. The group competes on capability, service and price across global and regional broker networks. Co-selling with brokers supports complex program structuring and multinational placements.
Direct online and mobile
Digital platforms enable Zurich to sell personal and SME products efficiently via online and mobile touchpoints, leveraging 6.64 billion global smartphone users in 2024 to expand reach. Self-service portals and apps reduce cost-to-serve and speed issuance through automation and e-signatures. Targeted digital campaigns improve lead capture and conversion with behavioral targeting. Integrated platforms support live endorsements and claims orchestration.
Bancassurance and affinity
Bank branches and digital banking embed protection at point of need, supporting Zurich’s distribution that contributed to gross written premiums of about USD 47.5 billion in 2023; affinity groups deliver tailored covers to members, boosting relevance and retention. Co-branding with banks and associations enhances trust and reach, while data integration enables pre‑approved offers and higher conversion rates.
Agency and tied advisors
Licensed agents and tied advisors deliver Zurich Insurance Group a trusted local presence and tailored advice, serving communities and SMEs with personalized protection and risk solutions; Zurich operates in more than 215 countries and territories and had over 55,000 employees in 2024.
- Local presence: licensed agents reach SMEs and communities
- Personalized service: advice and tailored products
- Productivity: ongoing training and digital tools
- Incentives: compensation tied to quality and policy persistency
Multinational program network
Multinational program network: local Zurich offices and accredited partners issue compliant local policies across 210+ countries and territories, while central coordination enforces consistent underwriting, pooling and cash-flow management. Cross-border claims route through centralized protocols for seamless handling; dashboards provide consolidated, near-real-time oversight of exposures and KPIs.
- Local issuance via offices/partners — 210+ countries
- Central coordination — pricing, pooling, cash management
- Cross-border claims — centralized routing and settlement
- Dashboards — consolidated real-time KPIs
- Scale — 55,000+ employees (group)
Intermediaries, digital reach and embedded channels power CHF 51.6bn risk placements
Brokers secure large commercial and specialty risks (CHF 51.6bn GWP 2023) and enable complex program placements; digital platforms drive personal/SME sales via 6.64bn smartphone users (2024) reducing cost-to-serve; bank/affinity and agents embed protection at point-of-need, boosting conversion and retention; multinational network covers 210+ countries with centralized underwriting and pooled cash management.
| Channel | Reach/Metric | Role |
|---|---|---|
| Brokers | CHF 51.6bn GWP (2023) | Large risks, programs |
| Digital | 6.64bn smartphones (2024) | Cost-efficient distribution |
| Banks/Agents | 55,000+ employees (2024) | Embedded sales, trust |
| Multinational | 210+ countries | Local issuance, central ops |
Customer Segments
Individuals and families
Personal lines for individuals and families cover auto, home, travel and life protection, with Zurich leveraging digital-first journeys to serve convenience-focused customers. Risk-based pricing and reward programs drive retention by incentivizing safer drivers and homeowners. Cross-sell across lines increases lifetime value. Zurich, with about 55,000 employees in 2024, uses data and telematics to scale these offers.
Small and medium enterprises
Small and medium enterprises need packaged property, liability and workers’ compensation cover tailored by sector, with fast quote-bind and on-demand endorsements to win business. Sector-specific wordings improve fit and reduce claims. Advisory support for compliance and risk prevention is critical; SMEs represent 99% of EU companies and 66% of employment (EU Commission, 2024).
Large corporates and multinationals
Large corporates and multinationals require bespoke programs and global servicing for complex, cross-border exposures; in 2024 Zurich reinforced multinational underwriting and captive solutions to meet that demand. Dedicated teams handle claims, certificates and regulatory compliance across jurisdictions while alternative risk transfer options support capital-efficient solutions. Data insights and analytics inform tailored risk strategies and pricing, improving loss prevention and portfolio outcomes.
Specialty and high-hazard sectors
Specialty and high-hazard sectors such as energy, marine, cyber and construction require deep technical underwriting and on-site engineering expertise. Zurich offers higher limits and engineering support, plus parametric and project-specific covers that target unique exposures. Tight controls and accumulation management limit catastrophic aggregation; Zurich operated in over 210 countries and had ~54,000 employees in 2024.
- Higher limits & engineering support
- Parametric & project-specific covers
- Tight accumulation controls
Financial institutions and partners
Banks, fintechs and affinity groups act as both clients and distribution channels for Zurich, enabling group, creditor and embedded insurance offerings that are tailored to partner ecosystems. Joint propositions with partners expand reach and relevance while data-sharing agreements enable personalized, real-time offers at scale. Zurich served customers across 215 countries and territories in 2024 and employed around 54,000 people.
- Channels: banks, fintechs, affinity groups
- Products: group, creditor, embedded insurance
- Strategy: joint propositions to expand reach
- Data: partner data sharing for personalized offers at scale
Digital-first insurance: telematics, SME pack & fast-bind, global programs, parametric cover
Personal lines: digital-first auto, home, travel, life with telematics and cross-sell; SMEs: sector-packaged property/liability, fast bind, advisory (EU SMEs 99% of firms, 66% employment); Large corporates: global programs, captives, compliance; Specialty: energy/marine/cyber with engineering, parametric covers; partners: banks/fintechs for embedded/group offers. Zurich ~54,000 employees, 215 countries (2024).
| Segment | Key needs | 2024 metric |
|---|---|---|
| Personal | Telematics, cross-sell | — |
| SMEs | Packaged cover, fast bind | EU: 99% firms, 66% employment |
| Large | Multinational programs | — |
| Specialty | Engineering, parametric | — |
Cost Structure
Claims and loss costs
Paid and incurred claims are Zurich's largest cost driver, with a 2024 combined ratio of 92.6% and gross written premiums of CHF 63.4bn highlighting underwriting exposure. Catastrophe events caused significant volatility in 2024, prompting layered reinsurance purchases (about CHF 2.5bn). Ongoing loss control programs aim to cut frequency and severity over time. Robust fraud management preserves underwriting margins and claims efficiency.
Acquisition and distribution costs
Broker commissions, agent compensation and marketing remain material for Zurich, historically making up a significant share of distribution spend; industry sources (McKinsey 2023) show digital channels can lower cost per policy by up to 30–35%, a target for Zurich to reduce unit costs. Incentive structures prioritize quality and persistency to lower lapse-adjusted acquisition costs, while co-op marketing programs fund partner growth and shared lead generation.
Operating and technology expenses
Operating and technology expenses include ongoing investment in IT platforms, cloud migration, cybersecurity, and data management, while process automation and legacy modernization simplify architecture to reduce unit costs; vendor spend is tightly managed via SLAs to control delivery and uptime.
Personnel and expertise
Underwriters, actuaries, claims handlers and sales teams are central cost drivers at Zurich, with staffing and expertise investments underpinning underwriting margins; Zurich reported approximately 53,000 employees in 2024, concentrating spend on technical talent and distribution.
- Training/certs: mandatory continuous programs
- Variable comp: performance-linked, drives retention
- Global support: shared services scale leverage
- Key roles: underwriters, actuaries, claims, sales
Reinsurance and capital costs
Reinsurance premiums for treaties and facultative covers provide predictable ceded income that stabilizes underwriting results; Zurich maintained active treaty programmes in 2024. Cost of capital shapes risk appetite and pricing, supported by Zurich's A+ S&P rating in 2024. ALM and hedging reduce balance-sheet financial risk. Ratings maintenance entails enhanced governance and reporting.
- Reinsurance premiums stabilize underwriting volatility
- Cost of capital drives pricing and risk limits (A+ S&P, 2024)
- ALM/hedging lower interest and market exposure
- Governance and reporting preserve ratings
Claims & reins drive costs — GWP CHF63.4bn, CR 92.6%
Paid and incurred claims are Zurich's largest cost driver (2024 combined ratio 92.6%) with gross written premiums CHF 63.4bn and catastrophe reinsurance ~CHF 2.5bn. Distribution costs and commissions remain material while digital channels target unit-cost reduction. Operating IT and staffing (≈53,000 employees) drive fixed costs. Cost of capital (S&P A+ in 2024) shapes pricing and ALM/hedging spend.
| Metric | 2024 |
|---|---|
| Combined ratio | 92.6% |
| GWP | CHF 63.4bn |
| Reinsurance spend | ~CHF 2.5bn |
| Employees | ≈53,000 |
| S&P rating | A+ |
Revenue Streams
Gross written premiums
Gross written premiums form Zurich’s core income, driven by property, casualty, specialty and life lines, totaling CHF 52.6 billion in 2024. Pricing embeds risk, expense and capital charges to protect underwriting margins. Growth is delivered via new business and rate adequacy, while retention sustains portfolio scale and recurring cash flow.
Investment income
Fixed income and diversified assets generate yields on float, supporting Zurich’s investment income; invested assets exceeded CHF 200 billion in 2024. ALM targets stable income and duration matching to liabilities to protect solvency ratios. Market conditions influence reinvestment rates and realized yields. Robust risk controls set limits on credit quality and duration to manage volatility and downside risk.
Fee and commission income
Fees from services, administration and asset management complement premiums and, per Zurich Insurance Group 2024 annual disclosures, form a material non-premium income stream. Fronting and captive services add recurring revenue, while policy fees and installment charges provide steady cashflow. Advisory and engineering services are billed on a project or retainer basis, supporting diversification of revenue in 2024.
Profit commissions and reinsurance recoveries
Profit commissions and reinsurance recoveries provide Zurich with performance-linked upside and loss-offsets; structured treaties and retro arrangements often deliver double-digit profit-share uplifts and helped bolster Zurich’s 2024 underlying profit (reported in its 2024 annual results). Recoveries offset incurred loss costs, stabilizing net results through cycles while terms vary by performance and market tightness; alternative capital optimizes cost of capital.
- Profit-share: performance-linked
- Recoveries: reduce net loss burden
- Retro/alt-cap: optimize economics
- Terms: driven by performance and cycles
Embedded and affinity program revenues
Co-branded and embedded products drive high-volume, low-cost distribution for Zurich, with revenue from shared premiums and service fees; in 2024 embedded channels delivered mid-single-digit ARPU uplift and higher conversion versus direct channels. Data-driven offers increased conversion rates and customer lifetime value, while long-term affinity partnerships created predictable premium flows and recurring service fees. These channels support scalable, low-capex growth.
- Shared premiums + service fees
- Mid-single-digit ARPU uplift (2024)
- Higher conversion via data-driven offers
- Predictable cash flows from long-term partners
CHF 52.6bn premiums and >CHF 200bn assets power diversified, yield-driven cashflow
Gross written premiums CHF 52.6bn (2024) remain core revenue; invested assets CHF 200bn+ generate yield; fees and asset management are material non-premium income; profit-share/reinsurance and embedded channels (mid-single-digit ARPU uplift) diversify and stabilize cashflow.
| Metric | 2024 |
|---|---|
| Gross written premiums | CHF 52.6bn |
| Invested assets | CHF 200bn+ |