Zurich A global insurer
Zurich is a leading multi-line insurer that serves its customers in global and local markets. With about 53,000 employees, it provides a wide range of property and casualty, and life insurance products and services in more than 210 countries and territories. Zurich s customers include individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. 2
About Zurich Insurance Group Life Business: Protection, savings and investment solutions Market segments: Individual, commercial and corporate customers Distribution channels: Agents, banks, brokers and independent financial advisers P&C Commercial Insurance Business: Property and casualty insurance and services, risk insights Market segments: Commercial and corporate customers Distribution channels: Agents, banks, brokers, direct, other distribution agreements P&C Retail Insurance Business: Property and casualty insurance and services, risk insights Farmers Business: Management services related to property and casualty insurance Market segments: Individual, corporate and crop Market segments: Individual, commercial customers Distribution channels: Agents, brokers, direct, other distribution agreements Distribution channels: Agents, direct 3
Our global footprint North America Leading commercial P&C insurance provider serving the global corporate, large corporate, middle market, crop, specialties and programs sectors We also serve individual customers in the retail, affluent and corporate markets. Europe, Middle East and Africa Europe: Zurich has major operations in Germany, Italy, Spain, Switzerland and the UK. MEA: Our business spans the region with key operations in the Middle East and Turkey. Latin America Zurich operates in Argentina, Brazil, Chile, Colombia, Mexico and Venezuela. Asia-Pacific Zurich has operations in Australia, China, Hong Kong, Indonesia, Japan, Malaysia, Singapore and Taiwan. 210 countries and territories, ~53,000 Employees, USD 64bn Revenue, USD 3.8bn in BOP* *As of December 31, 2017 unless otherwise stated. Source: Zurich Annual Report 2017. 4
Zurich North America structure Zurich North America Life P&C Retail P&C Commercial North America Life Alternative Markets North America Commercial Insurance Life insurance products provided through independent brokers and Employer Groups Program Administrators targeting niche markets Direct sales force targeting the auto dealer segment Captive Consultants targeting Group Captives business Crop products serving America s farmers through an agency force Standard P&C lines for mid- and large-sized customers Special lines covering complex products for non-standard risks Industry-specific value propositions for targeted customer industry segments Leading provider of solutions for customers with global exposures Dual reporting with CEO, North America and CEO, Commercial Insurance Zurich North America Shared Services Finance & Actuarial, Claims, Technical Underwriting, Ops & IT, Marketing & Distribution, HR In North America, Zurich is a leading commercial property-casualty insurance provider with more than 100 years of service to our customers. 5
Long-term strategy Our strategy to deliver long-term competitive advantage focuses on continuing to increase profitability and consolidating our position as a leading global underwriter for property and casualty, and life insurance. We aim to expand customer relationships, simplify the business and significantly reduce costs. At the operating level, Zurich will continue to reduce complexity and improve accountability. We will enhance technical excellence and strengthen our ties to commercial customers. We will also seek to enhance our offerings to individuals by monitoring and aiming to increase customer satisfaction and retention. Our strategy Focus on customers Simplify Innovate Improve service quality and customer experience More agile and responsive organization Better products, services and customer care We have introduced a new, simplified approach to articulating why we are relevant and how we deliver on that, no matter where the transformational forces shaping our industry will take us. Mario Greco Group Chief Executive Officer 6
Community investment At Zurich, we are committed to supporting the communities in which we live and work. In North America, we support six core charities and more than 200 local nonprofits aligned to three key areas: Ensuring the health and welfare of children in need Developing resilient communities Promoting health North America community impact was USD 2.7 million in corporate and employee giving in 2017. Awards Zurich named Top Company for Executive Women for third consecutive year (National Association for Female Executives, March 2018)2 Zurich Insurance makes Forbes first-ever Best Employers for Diversity list (Forbes, January 2018)1 Zurich Insurance named one of 100 Best Companies by Working Mother for fourth year (Working Mother, September 2017)2 Zurich Insurance rated a five-star carrier by brokers surveyed by Insurance Business America (Insurance Business America, August 2017)2 Zurich Insurance named an Employer of Choice for veterans (Military Time s Best for Vets Employers 2017 listing, May 2017)2 Zurich Insurance Group named to Forbes list of World s Biggest Public Companies (Forbes, May 2017)1 Zurich named among the top 10 most valuable insurance brands in the world (Brand Finance, January 2017)1 1 Zurich Insurance Company 2 Zurich North America 7
Learn more Learn more about Zurich North America by visiting zurichna.com and zurichcanada.com Zurich North American Headquarters 1299 Zurich Way Schaumburg, IL 60196-1056 United States Zurich Insurance Company Ltd (Canadian Branch) First Canadian Place 100 King Street West Suite 5500 P.O. Box 290 Toronto, ON M5X 1C9 Canada The Zurich logo and Zurich are trademarks of Zurich Insurance Company Ltd. This is intended as a general description of certain types of insurance and services available to qualified customers through Zurich affiliates in the United States and Canada. Your policy is the contract that specifically and fully describes your coverage. The description of the policy provisions contained herein gives a broad overview of coverage and does not revise or amend the policy. Coverages underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company in the U.S. and Zurich Insurance Company Ltd (Canadian Branch) in Canada. Certain coverages not available in all states, provinces, and territories. In the United States, some coverages may be written on a nonadmitted basis through licensed surplus lines brokers. 2018 Zurich American Insurance Company. All rights reserved. 2018 Zurich Insurance Company Ltd (Canadian Branch) A1-112011336-B (10/18) 112011407