Business Review 2009 - Zurich Financial Services Group

Delivering when it matters - Business Review 2009 - Our customers are at the heart of all we do. They know that we are there when they need us, around the world or around the corner, to help them manage their risks in an uncertain world. With 60,000 emplo

Zurich’s 2009 results reflected our continued ability to execute against a proven strategy rooted in operational excellence and financial discipline. We generated a strong operational performance across all core businesses and emerged from a challenging year with one of our strongest balance sheets ever.

For an in-depth review of our financial performance, please see the

» Financial Report

We are an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia-Pacific, Latin America and other markets. Founded in 1872, our Group is headquartered in Zurich, Switzerland. We employ approximately 60,000 people serving customers in more than 170 countries.

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General Insurance serves individuals, small and medium-sized businesses, commercial enterprises and major multinational corporations.
- Gross written premiums and policy fees
  USD 34,157 m
- Business operating profit
  USD 3,463 m
- Market positions
#1  in employer liability insurance in the UK based on gross written premiums 2008
Source: Datamonitor

#2  largest general insurer in Switzerland based on gross written premiums 2008
Source: FOPI

#2  largest commercial auto insurer in the U.S. based on direct written premiums 2008
Source: Highline LLC (NAIC data)
Global Life offers a broad range of life insurance, investments, savings and pension solutions to individuals and companies.
- Gross written premiums, policy fees and insurance deposits
  USD 26,029 m
- Business operating profit
  USD 1,477 m
- Market positions
#1  largest life insurer in Spain based on gross written premiums 2009
Source: ICEA

#1  in IHT (Inheritance Tax) whole of life protection in the UK based on APE 2008
Source: ABI

#1  in worldwide expatriate regular premium savings based on APE 2008
Source: NBE Report /Boal & Co
Farmers includes Farmers Management Services, through which our Group manages the Farmers Exchanges, as well as Foremost, Bristol West and 21st Century products in the United States.
- Farmers Management Services management fees and other related revenues
  USD 2,690 m
- Business operating profit
  USD 1,554 m
- Market positions
#3  largest personal lines direct auto carrier in the U.S. (including 21st Century, excluding direct affinity model carriers) based on market share report 2008
Source: A.M. Best

#3  largest personal lines homeowner
carrier in the U.S. based on market share report 2008
Source: A.M. Best

#3  largest personal lines P&C insurer in the U.S. based on market share 2008
Source: A.M. Best

Gross written premiums and policy fees

Business operating profit

Market positions

Gross written premiums, policy fees and insurance deposits

Business operating profit

Market positions

Farmers Management Services management fees and other related revenues

Business operating profit

Market positions