Zurich Highlights

Net income grew by 29% to USD 2.6 billion. This generated a return on equity of 13.3 percent, an increase of 1.2 percentage points compared with 2003.  »

One Team.
One Zurich.

A committed team effort can achieve any goal. »

Gary Kaplan,
Exec. Vice President,
Chief Underwriting Officer,
North America Commercial

Letter to Shareholders

In 2004, we continued to make substantial progress in improving our Group's profitability. We strengthened our balance sheet and positioned Zurich for sustained profitable growth. »

The Way Forward

Operational excellence is paramount for Zurich. It is a fundamental requirement in our aspiration to become the leading global insurance company in our chosen general and life insurance markets.  »

Corporate Governance

Zurich Financial Services is committed to effective governance for the benefit of its shareholders, customers, employees and other stakeholders.  »