Founded in 1863 the Swiss Re Group is one of the world's leading wholesale providers of reinsurance, insurance and other insurancebased forms of risk transfer. Our business at Swiss Re is about understanding and analysing the major risks that concern the world − from natural catastrophes to climate change, from ageing populations to cybercrime. We combine experience with expertise and innovative thinking to create new opportunities and solutions for our clients. Dealing direct and working through brokers, our global client base consists of insurance companies, mid-to-large-sized corporations and public sector clients. From standard products to tailor-made coverage across all lines of business, Swiss Re deploys its capital strength, expertise and innovation power to enable the risk taking upon which enterprise and progress in society depend.