We're one of the world's leading providers of reinsurance, insurance and other forms of insurance-based risk transfer. We anticipate and manage risk – from natural catastrophes to climate change, from ageing populations to cybercrime. Together with our clients we develop smarter solutions and help the world to rebuild, renew and move forward.
Watch the videos below to explore how we make the world more resilient
In essence, reinsurance is coverage for insurance companies. Only by sharing some of their risk with reinsurers is it possible for primary insurers to offer cover against the key risks we face today and to keep premiums at affordable levels. Reinsurers provide coverage against all kinds of risks, all over the world: From earthquake risks in Chile to hurricane risks in the Gulf of Mexico; from the effects of drought for Brazilian farmers to mortality risks for a European life insurer; and from a car insurance portfolio in the US to aviation liabilities in Asia. Risks are transferred from individuals and companies, through primary insurers to the reinsurer. Reinsurance allows those parties to reduce their risk exposure and own capital requirements. Freeing up capital allows insurers to write more business, thus enabling economic growth and helping create stability.
