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141 142 143 144 145 146 147 148 149 150 151 152</head> 153 <body class="content page basicpage mr-theme-vibrantblue " data-chartdatabaseurl=""> 154 <a href="#" class="skip-link">Skip to main content</a> 155 156 157 158 159 160 161 <div class="page-wrap"> 162 163 164<mr-m-news-ticker class="mr-m-news-ticker" api-url="https://www.munichre.com/en/risks/_jcr_content.newsalert.json"> 165</mr-m-news-ticker> 166 167<div class="headercwcontainer"> 168 <div class="xfpage page"> 169 170 <header class="headerCw"> 171 <div class="headerCw__inner"> 172 173 174 175 176 177 178 179 180 181 182<div class="headerCw__logo-wrapper"> 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198<a class="headerCw__logo-left " href="https://www.munichre.com/en.html"> 199 200 201 202 203 204 <span class="mr-h-visually-hidden">Munich Re logo</span> 205 206 207 208 209 210 211 <mr-e-icon title="Munich Re" class="mr-logo-first" icon-path="/content/dam/munichre/contentlounge/website-pieces/administrative/left-logos/munichre_logo.svg/_jcr_content/renditions/original.media_file.file/munichre_logo.svg"></mr-e-icon> 212 <mr-e-icon title="Munich Re" class="mr-logo-light" icon-path="/content/dam/munichre/contentlounge/website-pieces/administrative/left-logos/munichre_logo.svg/_jcr_content/renditions/original.media_file.file/munichre_logo.svg"></mr-e-icon> 213 <mr-e-icon class="mr-logo-second"></mr-e-icon> 214 215 216</a> 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238<a class="headerCw__logo-right headerCw__logo-right--standard "> 239 240 241 242 243 244 <span class="mr-h-visually-hidden">Not if, but how</span> 245 246 247 248 249 250 251 <mr-e-icon title="Munich Re claim" class="mr-logo-first" icon-path="/content/dam/munichre/contentlounge/website-pieces/administrative/right-logos/munichre_claim.svg/_jcr_content/renditions/original.media_file.file/munichre_claim.svg"></mr-e-icon> 252 <mr-e-icon title="Munich Re claim" class="mr-logo-light" icon-path="/content/dam/munichre/contentlounge/website-pieces/administrative/right-logos/munichre_claim.svg/_jcr_content/renditions/original.media_file.file/munichre_claim.svg"></mr-e-icon> 253 <mr-e-icon class="mr-logo-second"></mr-e-icon> 254 255 256 257</a> 258 259 260 261 262 263 264 265</div> 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 <!-- Standard navigation --> 299 300 301 302 303 304<div class="headerCw__navigation visible "> 305 306 <button data-overlay-open="navigation" class="headerCw__navigationBurger hidden" title="open navigation" aria-label="open navigation"></button> 307 308 <nav class="cmp-list" aria-label="Main"> 309 <ul class="cmp-list__item-container"> 310 <li class="cmp-list__item selected" data-navigation-leaf="false"> 311 <div> 312 <a class="cmp-list__item-link" href="https://www.munichre.com/en/risks.html" role="button"> 313 <span class="cmp-list__item-title">Risks</span> 314 </a> 315 </div> 316 </li> 317<li class="cmp-list__item " data-navigation-leaf="false"> 318 <div> 319 <a class="cmp-list__item-link" href="https://www.munichre.com/en/solutions.html" role="button"> 320 <span class="cmp-list__item-title">Solutions</span> 321 </a> 322 </div> 323 </li> 324<li class="cmp-list__item " data-navigation-leaf="true"> 325 <div> 326 <a class="cmp-list__item-link" href="https://www.munichre.com/en/insights.html" role="link"> 327 <span class="cmp-list__item-title">Insights</span> 328 </a> 329 </div> 330 </li> 331<li class="cmp-list__item " data-navigation-leaf="false"> 332 <div> 333 <a class="cmp-list__item-link" href="https://www.munichre.com/en/company.html" role="button"> 334 <span class="cmp-list__item-title">Company</span> 335 </a> 336 </div> 337 </li> 338<li class="cmp-list__item " data-navigation-leaf="true"> 339 <div> 340 <a class="cmp-list__item-link" href="https://careers.munichre.com/en/munichre" role="link" target="_blank"> 341 <span class="cmp-list__item-title">Careers</span> 342 </a> 343 </div> 344 </li> 345 346 </ul> 347 </nav> 348 349 <div class="headerCw__navigationFill"></div> 350 351 352 353 354 355 356 <div class="languageSwitch languageSwitch--rightAligned"> 357 <div class="languageSwitch__toggler" tabindex="0" role="button" aria-label="The current language is English, click to select language" aria-valuetext="English" data-lang="en"> 358 EN 359 </div> 360 <div class="mr-linkList"> 361 <div class="linkList "> 362 <ul class="cmp-list"> 363 <li class="cmp-list__item"> 364 <div> 365 <a class="cmp-list__item-link" href="https://www.munichre.com/de/risiken.html" data-lang="de">
366 <span class="cmp-list__item-title">Deutsch</span> 367 </a> 368 </div> 369 </li> 370 371 </ul> 372 </div> 373 </div> 374 375 </div> 376 377 378 379 380<mr-m-popover class="mr-m-header-link-finder "> 381 <button class="mr-m-popover__toggle" role="button" aria-label="Explore the MunichRe Group"> 382 <span class="mr-m-popover__toggle-label">Open</span> 383 <mr-e-icon class="mr-m-popover__toggle-icon" icon-path="/content/dam/munichre/contentlounge/website-pieces/icons/static-icons/mr-icon-globe.svg/_jcr_content/renditions/original.media_file.file/mr-icon-globe.svg" role="presentation"></mr-e-icon> 384 </button> 385 <div class="mr-m-popover__overlay" role="dialog" aria-describedby="explorer-title"> 386 <div class="mr-m-popover__header"> 387 <p id="explorer-title">Explore Munich Re Group</p> 388 <button class="mr-m-popover__close-btn"> 389 <span class="icon-close"></span> 390 <span class="mr-h-visually-hidden">Close</span> 391 </button> 392 </div> 393 <section> 394 <p> 395 Get to know our Group companies, branches and subsidiaries worldwide. 396 </p> 397 398 <mr-m-link-list-filter> 399 <label class="mr-m-link-list-filter__label" for="mr-m-link-list-filter__input">Search for company or location</label> 400 <input class="mr-m-link-list-filter__input" id="mr-m-link-list-filter__input" placeholder="Search for company or location" autocomplete="off"/> 401 <span class="mr-m-link-list-filter__icon icon-pull-down"></span> 402 403 404 405 406<ul class="mr-m-link-list-filter__list"> 407 408 409 410 <li class="headerLinkFinderItem section"> 411 412 <a data-keywords="US, USA, North America" class="cmp-list__item-link" href="https://www.americanalternativeinsurancecorporation.com/en.html"> 413 American Alternative Insurance Corporation (AAIC) 414 </a> 415 416 417 418</li> 419 420 421 422 423 424 425 426 427 428 429 430 431 432 <li class="headerLinkFinderItem section"> 433 434 <a data-keywords="AMIG, Cincinnati, " class="cmp-list__item-link" href="https://www.amig.com/"> 435 American Modern Insurance Group (AMIG) 436 </a> 437 438 439 440</li> 441 442 443 444 445 446 447 448 449 450 451 452 453 454 <li class="headerLinkFinderItem section"> 455 456 <a data-keywords="US, USA, North America" class="cmp-list__item-link" href="https://www.bridgewayinsurancecompany.com/en.html"> 457 Bridgeway Insurance Company 458 </a> 459 460 461 462</li> 463 464 465 466 467 468 469 470 471 472 473 474 475 476 <li class="headerLinkFinderItem section"> 477 478 <a data-keywords="ERGO, Germany, Düsseldorf" class="cmp-list__item-link" href="https://www.ergo.com/en/Startseite" target="_blank"> 479 ERGO Group 480 </a> 481 482 483 484</li> 485 486 487 488 489 490 491 492 493 494 495 496 497 498 <li class="headerLinkFinderItem section"> 499 500 <a data-keywords="Great Lakes Insurance" class="cmp-list__item-link" href="https://www.munichre.com/glise/en.html"> 501 Great Lakes Insurance SE 502 </a> 503 504 505 506</li> 507 508 509 510 511 512 513 514 515 516 517 518 519 520 <li class="headerLinkFinderItem section"> 521 522 <a data-keywords="HSB, US, USA, Hartford Steam Boiler , Amerika, America " class="cmp-list__item-link" href="https://www.munichre.com/hsb/en.html"> 523 HSB - The Hartford Steam Boiler Inspection and Insurance Company 524 </a> 525 526 527 528</li> 529 530 531 532 533 534 535 536 537 538 539 540 541 542 <li class="headerLinkFinderItem section"> 543 544 <a data-keywords="HSB IoT, Connected Technologies, Hartford" class="cmp-list__item-link" href="https://www.hsb-ats.com/en.html"> 545 HSB Applied Technology Solutions 546 </a> 547 548 549 550</li> 551 552 553 554 555 556 557 558 559 560 561 562 563 564 <li class="headerLinkFinderItem section"> 565 566 <a data-keywords="HSB Canada, Boiler Inspection and Insurance Company of Canada" class="cmp-list__item-link" href="https://www.munichre.com/hsbcanada/en.html"> 567 HSB Canada 568 </a> 569 570 571 572</li> 573 574 575 576 577 578 579 580 581 582 583 584 585 586 <li class="headerLinkFinderItem section"> 587 588 <a data-keywords="HSB, UK, United Kingdom, Great Britain, HSB Engineering Insurance Services Limited, Irleand, Scotland, Wales,, Channel Islands, Isle of Man, Northern Ireland" class="cmp-list__item-link" href="https://www.munichre.com/hsbeil/en.html"> 589 HSB | UK and Ireland 590 </a> 591 592 593 594</li> 595 596 597 598 599 600 601 602 603 604 605 606 607 608 <li class="headerLinkFinderItem section"> 609 610 <a data-keywords="UK, United Kingdom, GJWPC" class="cmp-list__item-link" href="https://www.grovesjohnwestrup.com/en.html"> 611 GrovesJohnWestrup 612 </a> 613 614 615 616</li> 617 618 619 620 621 622 623 624 625 626 627 628 629 630 <li class="headerLinkFinderItem section"> 631 632 <a data-keywords="Germany" class="cmp-list__item-link" href="https://www.meag.com/"> 633 MEAG 634 </a> 635 636 637 638</li> 639 640 641 642 643 644 645 646 647 648 649 650 651 652 <li class="headerLinkFinderItem section"> 653 654 655 656</li> 657 658 659 660 661 662 663 664 665 666 667 668 669 670 <li class="headerLinkFinderItem section"> 671 672 <a data-keywords="Munich Re Group, München, Bavaria, Germany" class="cmp-list__item-link" href="https://www.munichre.com/en.html"> 673 Munich Re Group 674 </a> 675 676 677 678</li> 679 680 681 682 683 684 685 686 687 688 689 690 691 692 <li class="headerLinkFinderItem section"> 693 694 <a data-keywords="South Africa , MRoA, " class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide/sub-saharan-africa/about-us.html"> 695 Munich Re Africa Branch 696 </a> 697 698 699 700</li> 701 702 703 704 705 706 707 708 709 710 711 712 713 714 <li class="headerLinkFinderItem section"> 715 716 <a data-keywords="APAC Life Health Asia Pacific Singapore" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide/asia-pacific/about-us.html"> 717 Munich Re Asia Pacific Life and Health (APAC) 718 </a> 719 720 721 722</li> 723 724 725 726 727 728 729 730 731 732 733 734 735 736 <li class="headerLinkFinderItem section"> 737 738 <a data-keywords="Japan, India, Korea, Southeast Asia, Asia, Pacific, Singapore, APAC, Australia, New Zealand, Greater China" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#asia-pacific">
739 Munich Re Asia Pacific Non-Life (APAC) 740 </a> 741 742 743 744</li> 745 746 747 748 749 750 751 752 753 754 755 756 757 758 <li class="headerLinkFinderItem section"> 759 760 <a data-keywords="Automation Solutions, Dublin, Ireland, MRAS" class="cmp-list__item-link" href="https://www.munichre.com/automation-solutions/en.html"> 761 Munich Re Automation Solutions Ltd 762 </a> 763 764 765 766</li> 767 768 769 770 771 772 773 774 775 776 777 778 779 780 <li class="headerLinkFinderItem section"> 781 782 <a data-keywords="Beijing, China, PRC, Greater China" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#china-branch"> 783 Munich Re Beijing Branch 784 </a> 785 786 787 788</li> 789 790 791 792 793 794 795 796 797 798 799 800 801 802 <li class="headerLinkFinderItem section"> 803 804 <a data-keywords="North America, Canada " class="cmp-list__item-link" href="https://www.munichre.com/ca-life/en.html"> 805 Munich Re Canada Life 806 </a> 807 808 809 810</li> 811 812 813 814 815 816 817 818 819 820 821 822 823 824 <li class="headerLinkFinderItem section"> 825 826 <a data-keywords="North America, Canada " class="cmp-list__item-link" href="https://www.munichre.com/ca-non-life/en.html"> 827 Munich Re Canada Non-Life 828 </a> 829 830 831 832</li> 833 834 835 836 837 838 839 840 841 842 843 844 845 846 <li class="headerLinkFinderItem section"> 847 848 <a class="cmp-list__item-link" href="https://www.munichre-foundation.org/en.html" target="_blank"> 849 Munich Re Foundation 850 </a> 851 852 853 854</li> 855 856 857 858 859 860 861 862 863 864 865 866 867 868 <li class="headerLinkFinderItem section"> 869 870 <a data-keywords="Paris, France" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide/france/munich-re-france.html"> 871 Munich Re France 872 </a> 873 874 875 876</li> 877 878 879 880 881 882 883 884 885 886 887 888 889 890 <li class="headerLinkFinderItem section"> 891 892 <a data-keywords="F&C, F & C," class="cmp-list__item-link" href="https://www.munichre.com/en/solutions/for-industry-clients/facultative-and-corporate.html"> 893 Munich Re Facultative & Corporate 894 </a> 895 896 897 898</li> 899 900 901 902 903 904 905 906 907 908 909 910 911 912 <li class="headerLinkFinderItem section"> 913 914 <a data-keywords="China, Hong Kong, Shanghai, Beijing, Taipei, Taiwan " class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#china-branch"> 915 Munich Re Greater China 916 </a> 917 918 919 920</li> 921 922 923 924 925 926 927 928 929 930 931 932 933 934 <li class="headerLinkFinderItem section"> 935 936 <a data-keywords="China, Hong Kong, HK," class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#china-branch"> 937 Munich Re Hong Kong Branch 938 </a> 939 940 941 942</li> 943 944 945 946 947 948 949 950 951 952 953 954 955 956 <li class="headerLinkFinderItem section"> 957 958 <a data-keywords="India, Mumbai" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide/india/about-us.html#india-branch"> 959 Munich Re India Branch 960 </a> 961 962 963 964</li> 965 966 967 968 969 970 971 972 973 974 975 976 977 978 <li class="headerLinkFinderItem section"> 979 980 <a data-keywords="Germany" class="cmp-list__item-link" href="https://www.munichreinvestmentpartners.com/en.html"> 981 Munich Re Investment Partners 982 </a> 983 984 985 986</li> 987 988 989 990 991 992 993 994 995 996 997 998 999 1000 <li class="headerLinkFinderItem section"> 1001 1002 <a data-keywords="Italy, Italia, Milan, Milano" class="cmp-list__item-link" href="https://www.munichre.com/it/azienda/informazioni-su-munich-re/munich-re-in-tutto-il-mondo/italia/munich-re-italia.html"> 1003 Munich Re Italy - Münchener Rück Servizi Tecnici S.r.l. 1004 </a> 1005 1006 1007 1008</li> 1009 1010 1011 1012 1013 1014 1015 1016 1017 1018 1019 1020 1021 1022 <li class="headerLinkFinderItem section"> 1023 1024 <a data-keywords="Japan, Tokyo" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#japan-branch"> 1025 Munich Re Japan Branch 1026 </a> 1027 1028 1029 1030</li> 1031 1032 1033 1034 1035 1036 1037 1038 1039 1040 1041 1042 1043 1044 <li class="headerLinkFinderItem section"> 1045 1046 <a data-keywords="Korea, South Korea, Seoul" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide/korea/about-us.html#korea-branch"> 1047 Munich Re Korea Branch 1048 </a> 1049 1050 1051 1052</li> 1053 1054 1055 1056 1057 1058 1059 1060 1061 1062 1063 1064 1065 1066 <li class="headerLinkFinderItem section"> 1067 1068 <a data-keywords="Taipei, Taiwan, China, " class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#office-taipei"> 1069 Munich Re Liaison Office Taipei 1070 </a> 1071 1072 1073 1074</li> 1075 1076 1077 1078 1079 1080 1081 1082 1083 1084 1085 1086 1087 1088 <li class="headerLinkFinderItem section"> 1089 1090 <a data-keywords="Thailand, Bangkok" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#thailand-office"> 1091 Munich Re Liaison Office Thailand 1092 </a> 1093 1094 1095 1096</li> 1097 1098 1099 1100 1101 1102 1103 1104 1105 1106 1107 1108 1109 1110 <li class="headerLinkFinderItem section"> 1111 1112 <a data-keywords="Life US, America, USA, " class="cmp-list__item-link" href="https://www.munichre.com/us-life/en.html"> 1113 Munich Re Life US - Munich American Reassurance Company, Inc 1114 </a> 1115 1116 1117 1118</li> 1119 1120 1121 1122 1123 1124 1125 1126 1127 1128 1129 1130 1131 1132 <li class="headerLinkFinderItem section"> 1133 1134 <a data-keywords="Malaysia, Kuala Lumpur" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#malaysia-branch"> 1135 Munich Re Malaysia Branch 1136 </a> 1137 1138 1139 1140</li> 1141 1142 1143 1144 1145 1146 1147 1148 1149 1150 1151 1152 1153 1154 <li class="headerLinkFinderItem section"> 1155 1156 <a data-keywords="Malta" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#malta"> 1157 Munich Re of Malta 1158 </a> 1159 1160 1161 1162</li> 1163 1164 1165 1166 1167 1168 1169 1170 1171 1172 1173 1174 1175 1176 <li class="headerLinkFinderItem section"> 1177 1178 <a data-keywords="Malta, PCC" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#malta"> 1179 Munich Re PCC 1180 </a> 1181 1182 1183 1184</li> 1185 1186 1187 1188 1189 1190 1191 1192 1193 1194 1195 1196 1197 1198 <li class="headerLinkFinderItem section"> 1199 1200 <a data-keywords="RMP, Service GmbH" class="cmp-list__item-link" href="https://www.munichre.com/rmp/en.html"> 1201 Munich Re Risk Management Partners 1202 </a> 1203 1204 1205 1206</li> 1207 1208 1209 1210 1211 1212 1213 1214 1215 1216 1217 1218 1219 1220 <li class="headerLinkFinderItem section"> 1221 1222 <a data-keywords="Service GmbH, RMP, Risk Suite" class="cmp-list__item-link" href="/munichreservicegmbh/en/about-us.html#germany"> 1223 Munich Re Service GmbH 1224 </a> 1225 1226 1227 1228</li> 1229 1230 1231 1232 1233 1234 1235 1236 1237 1238 1239 1240 1241 1242 <li class="headerLinkFinderItem section"> 1243 1244 <a data-keywords="Shanghai, China, " class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#china-branch"> 1245 Munich Re Shanghai Representative Office 1246 </a> 1247 1248 1249 1250</li> 1251 1252 1253 1254 1255 1256 1257 1258 1259 1260 1261 1262 1263 1264 <li class="headerLinkFinderItem section"> 1265 1266 <a data-keywords="Singapore, Regional Center Centre" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#singapore-branch"> 1267 Munich Re Singapore Branch 1268 </a> 1269 1270 1271 1272</li> 1273 1274 1275 1276 1277 1278 1279 1280 1281 1282 1283 1284 1285 1286 <li class="headerLinkFinderItem section"> 1287 1288 <a data-keywords="MRS, GSI, global markets" class="cmp-list__item-link" href="https://www.munichre.com/specialty/en.html"> 1289 Munich Re Specialty 1290 </a> 1291 1292 1293 1294</li> 1295 1296 1297 1298 1299 1300 1301 1302 1303 1304 1305 1306 1307 1308 <li class="headerLinkFinderItem section"> 1309 1310 1311 1312</li> 1313 1314 1315 1316 1317 1318 1319 1320 1321 1322 1323 1324 1325 1326 <li class="headerLinkFinderItem section"> 1327 1328 <a data-keywords="NMU, UK, United Kingdom, GSI, MRS, Global Markets" class="cmp-list__item-link" href="https://www.nmu.co.uk/"> 1329 Munich Re Specialty - GM, UK 1330 </a> 1331 1332 1333 1334</li> 1335 1336 1337 1338 1339 1340 1341 1342 1343 1344 1345 1346 1347 1348 <li class="headerLinkFinderItem section"> 1349 1350 <a data-keywords="Syndicate, UK, United Kingdom, GSI, MRS, Global Markets" class="cmp-list__item-link" href="https://www.munichre.com/specialty/global-markets-syndicate/en.html"> 1351 Munich Re Specialty - GM, Syndicate
1352 </a> 1353 1354 1355 1356</li> 1357 1358 1359 1360 1361 1362 1363 1364 1365 1366 1367 1368 1369 1370 <li class="headerLinkFinderItem section"> 1371 1372 <a data-keywords="global, GSI, MRS, NA, US, USA, MRSI" class="cmp-list__item-link" href="https://www.munichre.com/specialty/north-america/en.html"> 1373 Munich Re Specialty - North America 1374 </a> 1375 1376 1377 1378</li> 1379 1380 1381 1382 1383 1384 1385 1386 1387 1388 1389 1390 1391 1392 <li class="headerLinkFinderItem section"> 1393 1394 <a data-keywords="MRS, GSI, north America, USA, UK, Bell & Clements," class="cmp-list__item-link" href="https://www.munichre.com/specialty/north-america/en/solutions/binding-authorities.html"> 1395 Munich Re Specialty - NA, Binding Authorities 1396 </a> 1397 1398 1399 1400</li> 1401 1402 1403 1404 1405 1406 1407 1408 1409 1410 1411 1412 1413 1414 <li class="headerLinkFinderItem section"> 1415 1416 <a data-keywords="global, GSI, MRS, NA, US, USA, MRSI, Canada" class="cmp-list__item-link" href="https://www.munichre.com/temple-insurance/en/strategic-partners.html"> 1417 Munich Re Specialty - NA, Canada Insurance Programs 1418 </a> 1419 1420 1421 1422</li> 1423 1424 1425 1426 1427 1428 1429 1430 1431 1432 1433 1434 1435 1436 <li class="headerLinkFinderItem section"> 1437 1438 1439 1440</li> 1441 1442 1443 1444 1445 1446 1447 1448 1449 1450 1451 1452 1453 1454 <li class="headerLinkFinderItem section"> 1455 1456 <a data-keywords="Spain, Sucursal, Madrid" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#spain"> 1457 Munich Re Sucursal en España 1458 </a> 1459 1460 1461 1462</li> 1463 1464 1465 1466 1467 1468 1469 1470 1471 1472 1473 1474 1475 1476 <li class="headerLinkFinderItem section"> 1477 1478 <a data-keywords="Underwriting Agents, UAE, Arabia, DIFC, United Arab Emirates, Dubai" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#arab"> 1479 Munich Re Underwriting Agents (DIFC) Ltd. 1480 </a> 1481 1482 1483 1484</li> 1485 1486 1487 1488 1489 1490 1491 1492 1493 1494 1495 1496 1497 1498 <li class="headerLinkFinderItem section"> 1499 1500 <a data-keywords="UK, Great Britain, England, Scotland" class="cmp-list__item-link" href="https://www.munichre.com/uk-life/en.html"> 1501 Munich Re UK Life Branch 1502 </a> 1503 1504 1505 1506</li> 1507 1508 1509 1510 1511 1512 1513 1514 1515 1516 1517 1518 1519 1520 <li class="headerLinkFinderItem section"> 1521 1522 <a data-keywords="USA, Non-Life, US, North America" class="cmp-list__item-link" href="https://www.munichre.com/us-non-life/en.html"> 1523 Munich Re US - Munich Reinsurance America, Inc 1524 </a> 1525 1526 1527 1528</li> 1529 1530 1531 1532 1533 1534 1535 1536 1537 1538 1539 1540 1541 1542 <li class="headerLinkFinderItem section"> 1543 1544 <a data-keywords="US, USA, North America" class="cmp-list__item-link" href="https://www.munichre.com/mrv/en.html"> 1545 Munich Re Ventures 1546 </a> 1547 1548 1549 1550</li> 1551 1552 1553 1554 1555 1556 1557 1558 1559 1560 1561 1562 1563 1564 <li class="headerLinkFinderItem section"> 1565 1566 <a data-keywords="Australasia, Australia, Sydney" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#australia-branch"> 1567 Munich Reinsurance Company of Australasia 1568 </a> 1569 1570 1571 1572</li> 1573 1574 1575 1576 1577 1578 1579 1580 1581 1582 1583 1584 1585 1586 <li class="headerLinkFinderItem section"> 1587 1588 <a data-keywords="Australasia, Australia, MHA, Sydney, MRAu" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#australia-new-zealand"> 1589 Munich Holdings of Australasia Pty Limited (MHA) 1590 </a> 1591 1592 1593 1594</li> 1595 1596 1597 1598 1599 1600 1601 1602 1603 1604 1605 1606 1607 1608 <li class="headerLinkFinderItem section"> 1609 1610 <a data-keywords="New Re, New Reinsurance, Switzerland, Swiss, Zurich, Zürich, NewRe" class="cmp-list__item-link" href="https://www.newre.com/en.html"> 1611 New Re - New Reinsurance Company 1612 </a> 1613 1614 1615 1616</li> 1617 1618 1619 1620 1621 1622 1623 1624 1625 1626 1627 1628 1629 1630 <li class="headerLinkFinderItem section"> 1631 1632 <a data-keywords="Canada" class="cmp-list__item-link" href="https://www.munichre.com/temple-insurance/en.html"> 1633 Temple Insurance Company 1634 </a> 1635 1636 1637 1638</li> 1639 1640 1641 1642 1643 1644 1645 1646 1647 1648 1649 1650 1651 1652 <li class="headerLinkFinderItem section"> 1653 1654 <a data-keywords="US, USA, North America" class="cmp-list__item-link" href="https://www.peslic.com/en.html" target="_blank"> 1655 The Princeton Excess and Surplus Lines Insurance Company (PESLIC) 1656 </a> 1657 1658 1659 1660</li> 1661 1662 1663 1664 1665 1666 1667 1668 1669 1670</ul> 1671 1672 1673 1674 1675 </mr-m-link-list-filter> 1676 </section> 1677 </div> 1678</mr-m-popover> 1679 1680 <button data-overlay-open="search" class="headerCw__navigationSearch" aria-label="open search"> 1681</button> 1682 1683</div> 1684 1685 <!-- Simple navigation --> 1686 1687 1688 <!-- MEAG navigation --> 1689 1690 1691 </div> 1692 </header> 1693 </div> 1694</div> 1695 1696 1697 1698 <main class="main content "> 1699 <article> 1700 1701 <div class="root responsivegrid"> 1702 1703 1704<div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> 1705 1706 <div class="rowColResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"><div class=" "> 1707 1708 1709 1710 1711 1712 1713 <div class="row "> 1714 <div class="col "> 1715 1716 <div class="breadcrumb aem-GridColumn aem-GridColumn--default--12"> 1717<nav class="cmp-breadcrumb" aria-label="Breadcrumb"> 1718 <ol class="cmp-breadcrumb__list" itemscope itemtype="http://schema.org/BreadcrumbList"> 1719 <li class="cmp-breadcrumb__item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> 1720 <a class="cmp-breadcrumb__item-link" itemprop="item" href="https://www.munichre.com/en.html">
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1923ive="off" aria-label="Progress"></div> 1924 </div> 1925 1926 <div class="player__status-duration" aria-label="Total time"> 1927 0:00 1928 </div> 1929 1930 </div> 1931 </div> 1932</mr-m-text-to-speech-player></div> 1933 1934 1935 </div> 1936 </div> 1937 1938 1939 1940 1941</div> 1942</div> 1943<div class="rowColResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"><div class=" "> 1944 1945 1946 1947 1948 1949 1950 <div class="row row--greyBackground"> 1951 <div class="col "> 1952 1953 <div class="teaserRowCw teaserRowCw--width-25 aem-GridColumn aem-GridColumn--default--12"> 1954 1955 1956 <div class="teaserRowCw__wrapper" data-lazy-animation="appear-bottom"> 1957 1958 1959 1960 1961 1962 1963 1964 1965 <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="mr-theme-vibrantblue" href="https://www.munichre.com/en/risks/savings-and-investment-products.html"> 1966 1967 1968 <div class="modularTeaser__image"> 1969 1970 1971 1972 1973 1974 1975 1976 <div class="imageBasic " data-ratio="1.7778"> 1977 1978 <div class="imageBasic__inner"> 1979 1980 1981 1982 1983 <img src="/content/dam/munichre/mrm/key-visuals-com-142/mr_markets_kv_2560x853_01.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg" alt="Savings and investment products " srcset="/content/dam/munichre/mrm/key-visuals-com-142/mr_markets_kv_2560x853_01.jpg/_jcr_content/renditions/crop-16x9-2560.jpg./crop-16x9-2560.jpg 2560w, /content/dam/munichre/mrm/key-visuals-com-142/mr_markets_kv_2560x853_01.jpg/_jcr_content/renditions/crop-16x9-1920.jpg./crop-16x9-1920.jpg 1920w, /content/dam/munichre/mrm/key-visuals-com-142/mr_markets_kv_2560x853_01.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg 1280w, /content/dam/munichre/mrm/key-visuals-com-142/mr_markets_kv_2560x853_01.jpg/_jcr_content/renditions/crop-16x9-393.jpg./crop-16x9-393.jpg 393w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Savings and investment products "/> 1984 1985 1986 1987 </div> 1988 1989 1990 1991 </div> 1992 1993 1994</div> 1995 1996 <div class="modularTeaser__textContent"> 1997 1998 <div class="modularTeaser__headline">Risks</div> 1999 <div class="modularTeaser__text">Savings and investment products â a giant but competitive market</div> 2000 2001 2002 <div class="modularTeaser__link" aria-label="link"></div> 2003 <div class="modularTeaser__buttonWrapper"> 2004 2005 2006 2007 2008 </div> 2009 2010 2011 2012 </div> 2013 </a> 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="mr-theme-vibrantblue" href="https://www.munichre.com/en/risks/weather-risks-can-significantly-affect-your-profits.html"> 2026 2027 2028 <div class="modularTeaser__image"> 2029 2030 2031 2032 2033 2034 2035 2036 <div class="imageBasic " data-ratio="1.7778"> 2037 2038 <div class="imageBasic__inner"> 2039 2040 2041 2042 2043 <img src="/content/dam/munichre/mrm/royalty-free-shutterstock/shutterstock_3685708.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg" alt="Weather risks " srcset="/content/dam/munichre/mrm/royalty-free-shutterstock/shutterstock_3685708.jpg/_jcr_content/renditions/crop-16x9-2560.jpg./crop-16x9-2560.jpg 2560w, /content/dam/munichre/mrm/royalty-free-shutterstock/shutterstock_3685708.jpg/_jcr_content/renditions/crop-16x9-1920.jpg./crop-16x9-1920.jpg 1920w, /content/dam/munichre/mrm/royalty-free-shutterstock/shutterstock_3685708.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg 1280w, /content/dam/munichre/mrm/royalty-free-shutterstock/shutterstock_3685708.jpg/_jcr_content/renditions/crop-16x9-393.jpg./crop-16x9-393.jpg 393w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Weather risks "/> 2044 2045 2046 2047 </div> 2048 2049 2050 2051 </div> 2052 2053 2054</div> 2055 2056 <div class="modularTeaser__textContent"> 2057 2058 <div class="modularTeaser__headline">Risks</div> 2059 <div class="modularTeaser__text">Volatile weather can significantly affect your costs and profits </div> 2060 2061 2062 <div class="modularTeaser__link" aria-label="link"></div> 2063 <div class="modularTeaser__buttonWrapper"> 2064 2065 2066 2067 2068 </div> 2069 2070 2071 2072 </div> 2073 </a> 2074 2075 2076
2077 2078 2079 2080 2081 2082 2083 2084 2085 <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="standard" href="https://www.munichre.com/en/risks/natural-disasters.html"> 2086 2087 2088 <div class="modularTeaser__image"> 2089 2090 2091 2092 2093 2094 2095 2096 <div class="imageBasic " data-ratio="1.7778"> 2097 2098 <div class="imageBasic__inner"> 2099 2100 2101 2102 2103 <img src="/content/dam/munichre/global/images/royalty-free/Still-NatCat-2026.jpg/_jcr_content/renditions/original./Still-NatCat-2026.jpg" alt="Natural hazards" srcset="/content/dam/munichre/global/images/royalty-free/Still-NatCat-2026.jpg/_jcr_content/renditions/crop-16x9-2560.jpg./crop-16x9-2560.jpg 2560w, /content/dam/munichre/global/images/royalty-free/Still-NatCat-2026.jpg/_jcr_content/renditions/crop-16x9-1920.jpg./crop-16x9-1920.jpg 1920w, /content/dam/munichre/global/images/royalty-free/Still-NatCat-2026.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg 1280w, /content/dam/munichre/global/images/royalty-free/Still-NatCat-2026.jpg/_jcr_content/renditions/crop-16x9-393.jpg./crop-16x9-393.jpg 393w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Natural hazards"/> 2104 2105 2106 2107 </div> 2108 2109 2110 2111 </div> 2112 2113 2114</div> 2115 2116 <div class="modularTeaser__textContent"> 2117 2118 <div class="modularTeaser__headline">Risks</div> 2119 <div class="modularTeaser__text">Natural disasters â Losses are trending upwards</div> 2120 2121 2122 <div class="modularTeaser__link" aria-label="link"></div> 2123 <div class="modularTeaser__buttonWrapper"> 2124 2125 2126 2127 2128 </div> 2129 2130 2131 2132 </div> 2133 </a> 2134 2135 2136 2137 2138 2139 2140 2141 2142 2143 2144 2145 <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="mr-theme-yellow" href="https://www.munichre.com/en/risks/climate-change.html"> 2146 2147 2148 <div class="modularTeaser__image"> 2149 2150 2151 2152 2153 2154 2155 2156 <div class="imageBasic " data-ratio="1.7778"> 2157 2158 <div class="imageBasic__inner"> 2159 2160 2161 2162 2163 <img src="/content/dam/munichre/global/images/royalty-free/RiskBilder_2560pxBreit_02.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg" alt="Climate change " srcset="/content/dam/munichre/global/images/royalty-free/RiskBilder_2560pxBreit_02.jpg/_jcr_content/renditions/crop-16x9-2560.jpg./crop-16x9-2560.jpg 2560w, /content/dam/munichre/global/images/royalty-free/RiskBilder_2560pxBreit_02.jpg/_jcr_content/renditions/crop-16x9-1920.jpg./crop-16x9-1920.jpg 1920w, /content/dam/munichre/global/images/royalty-free/RiskBilder_2560pxBreit_02.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg 1280w, /content/dam/munichre/global/images/royalty-free/RiskBilder_2560pxBreit_02.jpg/_jcr_content/renditions/crop-16x9-393.jpg./crop-16x9-393.jpg 393w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Climate change "/> 2164 2165 2166 2167 </div> 2168 2169 2170 2171 </div> 2172 2173 2174</div> 2175 2176 <div class="modularTeaser__textContent"> 2177 2178 <div class="modularTeaser__headline">Risks</div> 2179 <div class="modularTeaser__text">Climate change and its consequences: Natural disasters are becoming more frequent and more severe</div> 2180 2181 2182 <div class="modularTeaser__link" aria-label="link"></div> 2183 <div class="modularTeaser__buttonWrapper"> 2184 2185 2186 2187 2188 </div> 2189 2190 2191 2192 </div> 2193 </a> 2194 2195 2196 2197 2198 2199 2200 2201 2202 2203 2204 2205 <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="mr-theme-vibrantblue" href="https://www.munichre.com/en/risks/digitalisation.html"> 2206 2207 2208 <div class="modularTeaser__image"> 2209 2210 2211 2212 2213 2214 2215 2216 <div class="imageBasic " data-ratio="1.7778"> 2217 2218 <div class="imageBasic__inner"> 2219 2220 2221 2222 2223 <img src="/content/dam/munichre/global/images/royalty-free/GettyImages-1139233700.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg" alt="Woman with lights" srcset="/content/dam/munichre/global/images/royalty-free/GettyImages-1139233700.jpg/_jcr_content/renditions/crop-16x9-2560.jpg./crop-16x9-2560.jpg 2560w, /content/dam/munichre/global/images/royalty-free/GettyImages-1139233700.jpg/_jcr_content/renditions/crop-16x9-1920.jpg./crop-16x9-1920.jpg 1920w, /content/dam/munichre/global/images/royalty-free/GettyImages-1139233700.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg 1280w, /content/dam/munichre/global/images/royalty-free/GettyImages-1139233700.jpg/_jcr_content/renditions/crop-16x9-393.jpg./crop-16x9-393.jpg 393w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Digitalisation"/> 2224 2225 2226 2227 </div> 2228 2229 2230 2231 </div> 2232 2233 2234</div> 2235 2236 <div class="modularTeaser__textContent"> 2237 2238 <div class="modularTeaser__headline">Risks</div> 2239 <div class="modularTeaser__text">Digitalisation</div> 2240 2241 2242 <div class="modularTeaser__link" aria-label="link"></div> 2243 <div class="modularTeaser__buttonWrapper"> 2244 2245 2246 2247 2248 </div> 2249 2250 2251 2252 </div> 2253 </a> 2254 2255 2256
2257 2258 2259 2260 2261 2262 2263 2264 2265 <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="mr-theme-teal" href="https://www.munichre.com/en/risks/capital-management.html"> 2266 2267 2268 <div class="modularTeaser__image"> 2269 2270 2271 2272 2273 2274 2275 2276 <div class="imageBasic " data-ratio="1.7778"> 2277 2278 <div class="imageBasic__inner"> 2279 2280 2281 2282 2283 <img src="/content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-576876942.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg" alt="Alternative risk transfer solutions" srcset="/content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-576876942.jpg/_jcr_content/renditions/crop-16x9-2560.jpg./crop-16x9-2560.jpg 2560w, /content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-576876942.jpg/_jcr_content/renditions/crop-16x9-1920.jpg./crop-16x9-1920.jpg 1920w, /content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-576876942.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg 1280w, /content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-576876942.jpg/_jcr_content/renditions/crop-16x9-393.jpg./crop-16x9-393.jpg 393w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Capital Management"/> 2284 2285 2286 2287 </div> 2288 2289 2290 2291 </div> 2292 2293 2294</div> 2295 2296 <div class="modularTeaser__textContent"> 2297 2298 <div class="modularTeaser__headline">Risks</div> 2299 <div class="modularTeaser__text">Capital Management</div> 2300 2301 2302 <div class="modularTeaser__link" aria-label="link"></div> 2303 <div class="modularTeaser__buttonWrapper"> 2304 2305 2306 2307 2308 </div> 2309 2310 2311 2312 </div> 2313 </a> 2314 2315 2316 2317 2318 2319 2320 2321 2322 2323 2324 2325 <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="mr-theme-vibrantblue" href="https://www.munichre.com/en/risks/cyber-risks.html"> 2326 2327 2328 <div class="modularTeaser__image"> 2329 2330 2331 2332 2333 2334 2335 2336 <div class="imageBasic " data-ratio="1.7778"> 2337 2338 <div class="imageBasic__inner"> 2339 2340 2341 2342 2343 <img src="/content/dam/munichre/mrm/key-visuals-com-142/Header-Hero_Img_Cropped.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg" alt="Clarity for a sustainable cyber insurance market" srcset="/content/dam/munichre/mrm/key-visuals-com-142/Header-Hero_Img_Cropped.jpg/_jcr_content/renditions/crop-16x9-2560.jpg./crop-16x9-2560.jpg 2560w, /content/dam/munichre/mrm/key-visuals-com-142/Header-Hero_Img_Cropped.jpg/_jcr_content/renditions/crop-16x9-1920.jpg./crop-16x9-1920.jpg 1920w, /content/dam/munichre/mrm/key-visuals-com-142/Header-Hero_Img_Cropped.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg 1280w, /content/dam/munichre/mrm/key-visuals-com-142/Header-Hero_Img_Cropped.jpg/_jcr_content/renditions/crop-16x9-393.jpg./crop-16x9-393.jpg 393w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Clarity for a sustainable cyber insurance market"/> 2344 2345 2346 2347 </div> 2348 2349 2350 2351 </div> 2352 2353 2354</div> 2355 2356 <div class="modularTeaser__textContent"> 2357 2358 <div class="modularTeaser__headline">Risks</div> 2359 <div class="modularTeaser__text">Clarity for a sustainable cyber insurance market</div> 2360 2361 2362 <div class="modularTeaser__link" aria-label="link"></div> 2363 <div class="modularTeaser__buttonWrapper"> 2364 2365 2366 2367 2368 </div> 2369 2370 2371 2372 </div> 2373 </a> 2374 2375 2376 2377 2378 2379 2380 2381 2382 2383 2384 2385 <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="mr-theme-teal" href="https://www.munichre.com/en/risks/risk-in-commercial-satellites-and-space-flight.html"> 2386 2387 2388 <div class="modularTeaser__image"> 2389 2390 2391 2392 2393 2394 2395 2396 <div class="imageBasic " data-ratio="1.7778"> 2397 2398 <div class="imageBasic__inner"> 2399 2400 2401 2402 2403 <img src="/content/dam/munichre/global/images/rights-managed/108123363.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg" alt="Risks in commercial space flight " srcset="/content/dam/munichre/global/images/rights-managed/108123363.jpg/_jcr_content/renditions/crop-16x9-2560.jpg./crop-16x9-2560.jpg 2560w, /content/dam/munichre/global/images/rights-managed/108123363.jpg/_jcr_content/renditions/crop-16x9-1920.jpg./crop-16x9-1920.jpg 1920w, /content/dam/munichre/global/images/rights-managed/108123363.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg 1280w, /content/dam/munichre/global/images/rights-managed/108123363.jpg/_jcr_content/renditions/crop-16x9-393.jpg./crop-16x9-393.jpg 393w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Risks in commercial space flight "/> 2404 2405 2406 2407 </div> 2408 2409 2410 2411 </div> 2412 2413 2414</div> 2415 2416 <div class="modularTeaser__textContent"> 2417 2418 <div class="modularTeaser__headline">Risks</div> 2419 <div class="modularTeaser__text">Risk in commercial satellites and space flight</div> 2420 2421 2422 <div class="modularTeaser__link" aria-label="link"></div> 2423 <div class="modularTeaser__buttonWrapper"> 2424 2425 2426 2427 2428 </div> 2429 2430 2431 2432 </div> 2433 </a> 2434 2435 2436
2437 2438 2439 2440 2441 2442 2443 2444 2445 <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="mr-theme-teal" href="https://www.munichre.com/en/risks/life-and-health.html"> 2446 2447 2448 <div class="modularTeaser__image"> 2449 2450 2451 2452 2453 2454 2455 2456 <div class="imageBasic " data-ratio="1.7778"> 2457 2458 <div class="imageBasic__inner"> 2459 2460 2461 2462 2463 <img src="/content/dam/munichre/global/images/royalty-free/GettyImages-162221496.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg" alt="Life/Health" srcset="/content/dam/munichre/global/images/royalty-free/GettyImages-162221496.jpg/_jcr_content/renditions/crop-16x9-2560.jpg./crop-16x9-2560.jpg 2560w, /content/dam/munichre/global/images/royalty-free/GettyImages-162221496.jpg/_jcr_content/renditions/crop-16x9-1920.jpg./crop-16x9-1920.jpg 1920w, /content/dam/munichre/global/images/royalty-free/GettyImages-162221496.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg 1280w, /content/dam/munichre/global/images/royalty-free/GettyImages-162221496.jpg/_jcr_content/renditions/crop-16x9-393.jpg./crop-16x9-393.jpg 393w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Life/Health"/> 2464 2465 2466 2467 </div> 2468 2469 2470 2471 </div> 2472 2473 2474</div> 2475 2476 <div class="modularTeaser__textContent"> 2477 2478 <div class="modularTeaser__headline">Risks</div> 2479 <div class="modularTeaser__text">Life/Health</div> 2480 2481 2482 <div class="modularTeaser__link" aria-label="link"></div> 2483 <div class="modularTeaser__buttonWrapper"> 2484 2485 2486 2487 2488 </div> 2489 2490 2491 2492 </div> 2493 </a> 2494 2495 2496 2497 2498 2499 2500 2501 2502 2503 2504 2505 <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="standard" href="https://www.munichre.com/en/risks/emerging-risks.html"> 2506 2507 2508 <div class="modularTeaser__image"> 2509 2510 2511 2512 2513 2514 2515 2516 <div class="imageBasic " data-ratio="1.7778"> 2517 2518 <div class="imageBasic__inner"> 2519 2520 2521 2522 2523 <img src="/content/dam/munichre/global/images/royalty-free/GettyImages-165824022.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg" alt="Emerging risks" srcset="/content/dam/munichre/global/images/royalty-free/GettyImages-165824022.jpg/_jcr_content/renditions/crop-16x9-2560.jpg./crop-16x9-2560.jpg 2560w, /content/dam/munichre/global/images/royalty-free/GettyImages-165824022.jpg/_jcr_content/renditions/crop-16x9-1920.jpg./crop-16x9-1920.jpg 1920w, /content/dam/munichre/global/images/royalty-free/GettyImages-165824022.jpg/_jcr_content/renditions/crop-16x9-1280.jpg./crop-16x9-1280.jpg 1280w, /content/dam/munichre/global/images/royalty-free/GettyImages-165824022.jpg/_jcr_content/renditions/crop-16x9-393.jpg./crop-16x9-393.jpg 393w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Emerging risks"/> 2524 2525 2526 2527 </div> 2528 2529 2530 2531 </div> 2532 2533 2534</div> 2535 2536 <div class="modularTeaser__textContent"> 2537 2538 <div class="modularTeaser__headline">Risks</div> 2539 <div class="modularTeaser__text">Emerging risks â The risks of tomorrow</div> 2540 2541 2542 <div class="modularTeaser__link" aria-label="link"></div> 2543 <div class="modularTeaser__buttonWrapper"> 2544 2545 2546 2547 2548 </div> 2549 2550 2551 2552 </div> 2553 </a> 2554 2555 2556 2557 2558 </div> 2559 2560 2561 2562 2563 2564 2565</div> 2566 2567 2568 </div> 2569 </div> 2570 2571 2572 2573 2574</div> 2575</div> 2576<div class="rowColResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"><div class=" "> 2577 2578 2579 2580 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