How we create value for our stakeholders

In these reports we showcase real examples of some of our activities, highlighting where we are making a difference to our stakeholders. Click on the icons below to find more.


Creating value for our customers

Business owner and Zurich customer Felix Pfister.
“The most important thing you can do is listen to your customers.”
Felix Pfister

Owner of a Swiss gardening business and long-time Zurich customer

At Zurich, we try to see every business and every customer as an individual. And we are getting better at listening to customers to understand their individual needs.

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Gary Howe on site at the historic mill at Quarry Bank.
“We’re finding new ways to protect against old risks.”
Gary Howe

Zurich fire protection enginee

In 2018 the National Trust in the UK allowed Zurich to install the first-ever fire safety sprinklers in one of its historic properties. The challenge was to bring engineering expertise, know-how and safety to a site requiring maximum sensitivity.

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Tom Henschel, Finance Director, Manly Honda.
“This platform has helped us to enhance the buying experience.”
Tom Henschel

Finance Director, Manly Honda, Santa Rosa, California

Zurich aims to make it easier for U.S. dealerships to help their customers protect their new vehicle by taking some of the stress out of choosing the right protection products.

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Ron Glozman, founder and CEO of Chisel AI, gold winner, Zurich Innovation World Championship (ZIWC).
“We are transforming how we serve customers by building solutions around the services they truly need to make their lives easier and simpler.”
Gian Paolo Meloncelli

Head of Business Development and New Ventures

Working with our own employees and with other companies including startups and established enterprises, we aim to provide solutions and services that will help us to strengthen customer relationships.

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Creating value for our employees

Kevin Kipfer, artificial intelligence expert.
“I found in Zurich something different – an option to do something real and be innovative.”
Kevin Kipfer

Artificial intelligence expert

Zurich’s employees are proving that we can move quickly, even as a global company, to simplify how we work. To drive change now and in the future, we’re seeking new talent in unconventional places. And we are pleased when motivated individuals with a sense of purpose choose Zurich, helping us to achieve a truly customer-led transformation.

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Communities & society

Creating value for communities and society

Tackle Your Feelings ambassadors Hannah Tyrrell,Jack McGrath, and Shane Jennings.
“If I can help people express their feelings without fear of judgment, then I’ve done the job.”
Hannah Tyrrell

Member of Ireland’s Rugby World Cup Sevens squad 2018, and ambassador for Tackle Your Feelings

Rugby Players Ireland is helping communities to open up about mental well-being through Tackle Your Feelings, which addresses issues that are not always easy to talk about. Zurich is proud to support these efforts.

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Buddhu Tharu in Western Nepal, where flood resilience work is helping to change lives.
“With our flood resilience work, we are helping to prevent disasters, and protect and keep communities together.”
Gary Shaughnessy

Chair of the Board of Trustees, Z Zurich Foundation

Floods affect more people globally than any other type of natural hazard and cause some of the largest economic, social and humanitarian losses.

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Creating sustainable value for shareholders

CHF 19.001

Proposed total dividend per share for 2018

1 Proposed total dividend, subject to approval by shareholders at the Annual General Meeting; expected payment date as from April 9, 2019. Gross dividend, subject to 35 percent Swiss withholding tax.

Creating sustainable value for shareholders

Zurich has a highly cash-generative business model and is focused on paying an attractive and growing dividend, while managing the group balance sheet in a consistent and conservative manner.

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Group overview

Chairman message

“We set the right priorities and we are now starting to reap the benefits of the course we have chosen.”
Michel M. Liès

Chairman of the Board of Directors

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Our business segments

Property & Casualty

Property and casualty insurance and services, risk insights.

USD 2.1bn

Business operating profit

USD 33.5bn

Gross written premiums and policy fees


Protection, savings and investment solutions.

USD 1.6bn

Business operating profit

USD 33.4bn

Gross written premiums, policy fees and insurance deposits


Management services related to property and casualty insurance.

USD 1.6bn

Business operating profit

USD 3.2bn

Management fees and other related revenues

Group CEO message

“After reshaping our business, Zurich is well-positioned to face this transformation from a position of strength.”
Mario Greco

Group Chief Executive Officer

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Annual Report 2018

Learn more about our business and customer-led strategy

The Annual Report gives a high-level overview of our business and key stakeholders: customers, employees, communities and investors. It includes sections on governance, remuneration, and risk, as well as financial and non-financial information.

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