How we operate

Re/insurance creates stability. By managing risks and covering losses, we protect investments and enable economic growth.

Market forces


Our approach and why

A changing world of risk

Longevity, climate change and threats to cybersecurity are just a few of the forces altering the risk landscape.


A knowledge company

We are a knowledge company and a thought leader. We devote substantial resources to understanding the risks we re/insure, as well as the ones just over the horizon.


New markets, new clients

Growth in emerging markets is driving urbanisation and drawing more and more people into a global middle class. New markets demand re/insurance solutions.


Building ties

We are actively recruiting top talent to fuel our growth and build up the relationships that are essential to success.


Alternative capital

Low interest rates have driven pension funds, hedge funds and other investors into the natural catastrophe risk pool, increasing competition and capacity for property re/insurance.


A resilient business model

Over 150 years we have accumulated vast experience and expertise that we apply for the benefit of our clients. Alternative capital does not fundamentally challenge our business model.


Changing regulations

Regulatory reforms aiming for stability in the banking sector can also have adverse consequences for the re/insurance sector.

Supporting growth and stability

The core activities of insurance are fundamental to economic growth, and they are neither a source nor an amplifier of systemic risk.


Shifting risk burdens

The governments of many countries are constrained and the needs of their populations are growing. Individuals are taking on more of the responsibility for risk.


Protecting societies

We are proud of our long record of supporting generations when disaster strikes. That reliability — and the trust it has earned us — goes a long way toward explaining our durability.