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if, but how</span> <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> <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> <mr-e-icon class="mr-logo-second"></mr-e-icon> </a> </div> <div class="headerCw__navigation visible "> <button data-overlay-open="navigation" class="headerCw__navigationBurger hidden" title="open navigation" aria-label="open navigation"></button> <ul class="cmp-list"> <li class="cmp-list__item " data-navigation-leaf="false"> <div> <a class="cmp-list__item-link" href="https://www.munichre.com/en/risks.html"> <span class="cmp-list__item-title">Risks</span> </a> </div> </li> <li 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tabindex="0" data-lang="en">EN</div> <div class="mr-linkList"> <div class="linkList "> <ul class="cmp-list"> <li class="cmp-list__item"> <div> <a class="cmp-list__item-link" href="https://www.munichre.com/de.html" data-lang="de"> <span class="cmp-list__item-title">Deutsch</span> </a> </div> </li> </ul> </div> </div> </div> <mr-m-popover class="mr-m-header-link-finder "> <button class="mr-m-popover__toggle"> <span class="mr-m-popover__toggle-label">Open</span> <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> </button> <div class="mr-m-popover__overlay"> <div class="mr-m-popover__header"> <p>Explore Munich Re Group</p> <button class="mr-m-popover__close-btn"> <span class="icon-close"></span> <span class="mr-h-visually-hidden">Close</span> </button> </div> <section> <p> Get to know our Group companies, branches and subsidiaries worldwide. </p> <mr-m-link-list-filter> <label class="mr-m-link-list-filter__label" for="mr-m-link-list-filter__input">Search for company or location</label> <input class="mr-m-link-list-filter__input" id="mr-m-link-list-filter__input" placeholder="Search for company or location" autocomplete="off"/> <span class="mr-m-link-list-filter__icon icon-pull-down"></span> <ul class="mr-m-link-list-filter__list"> <li class="headerLinkFinderItem section"> <a data-keywords="US, USA, North America" class="cmp-list__item-link" href="https://www.americanalternativeinsurancecorporation.com/en.html"> American Alternative Insurance Corporation (AAIC) </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="AMIG, Cincinnati, " class="cmp-list__item-link" href="https://www.amig.com/"> American Modern Insurance Group (AMIG) </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="US, USA, North America" class="cmp-list__item-link" href="https://www.bridgewayinsurancecompany.com/en.html"> Bridgeway Insurance Company </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="ERGO, Germany, Düsseldorf" class="cmp-list__item-link" href="https://www.ergo.com/en/Startseite" target="_blank"> ERGO Group </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="Great Lakes Insurance" class="cmp-list__item-link" href="https://www.munichre.com/glise/en.html"> Great Lakes Insurance SE </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="HSB, US, USA, Hartford Steam Boiler , Amerika, America " class="cmp-list__item-link" href="https://www.munichre.com/hsb/en.html"> HSB - The Hartford Steam Boiler Inspection and Insurance Company </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="HSB IoT, Connected Technologies, Hartford" class="cmp-list__item-link" href="https://www.hsb-ats.com/en.html"> HSB Applied Technology Solutions </a> </li> <li class="headerLinkFinderItem section"> <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"> HSB Canada </a> </li> <li class="headerLinkFinderItem section"> <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"> HSB | UK and Ireland </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="UK, United Kingdom, GJWPC" class="cmp-list__item-link" href="https://www.grovesjohnwestrup.com/en.html"> GrovesJohnWestrup </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="Germany" class="cmp-list__item-link" href="https://www.meag.com/"> MEAG </a> </li> <li class="headerLinkFinderItem section"> </li> <li class="headerLinkFinderItem section"> <a data-keywords="Munich Re Group, München, Bavaria, Germany" class="cmp-list__item-link" href="https://www.munichre.com/en.html"> Munich Re Group </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Asia Pacific Life and Health (APAC) </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Asia Pacific Non-Life (APAC) </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="Automation Solutions, Dublin, Ireland, MRAS" class="cmp-list__item-link" href="https://www.munichre.com/automation-solutions/en.html"> Munich Re Automation Solutions Ltd </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Beijing Branch </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="North America, Canada " class="cmp-list__item-link" href="https://www.munichre.com/ca-life/en.html"> Munich Re Canada Life </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="North America, Canada " class="cmp-list__item-link" href="https://www.munichre.com/ca-non-life/en.html"> Munich Re Canada Non-Life </a> </li> <li class="headerLinkFinderItem section"> <a class="cmp-list__item-link" href="https://www.munichre-foundation.org/en.html" target="_blank"> Munich Re Foundation </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re France </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Facultative & Corporate </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Greater China </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Hong Kong Branch </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re India Branch </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="Germany" class="cmp-list__item-link" href="https://www.munichreinvestmentpartners.com/en.html"> Munich Re Investment Partners </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Italy - Münchener Rück Servizi Tecnici S.r.l. </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Japan Branch </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Korea Branch </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Liaison Office Taipei </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Liaison Office Thailand </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="Life US, America, USA, " class="cmp-list__item-link" href="https://www.munichre.com/us-life/en.html"> Munich Re Life US - Munich American Reassurance Company, Inc </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Malaysia Branch </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="Malta" class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide.html#malta"> Munich Re of Malta </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re PCC </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="Service GmbH, RMP, Risk Suite" class="cmp-list__item-link" href="/munichreservicegmbh/en/about-us.html#germany"> Munich Re Service GmbH </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Shanghai Representative Office </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Singapore Branch </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="MRS, GSI, global markets" class="cmp-list__item-link" href="https://www.munichre.com/specialty/en.html"> Munich Re Specialty </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="IE, MRS, GSI, Global Markets" class="cmp-list__item-link" href="https://www.munichre.com/specialty/global-markets-ireland/en.html"> Munich Re Specialty - GM, Irleand </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="NMU, UK, United Kingdom, GSI, MRS, Global Markets" class="cmp-list__item-link" href="https://www.nmu.co.uk/"> Munich Re Specialty - GM, UK </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Specialty - GM, Syndicate </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Specialty - North America </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Specialty - NA, Binding Authorities </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Specialty - NA, Canada Insurance Programs </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="United Kingdom, UK, US, USA, North America, Specialty, MRS" class="cmp-list__item-link" href="https://www.munichre.com/specialty/north-america/en/solutions/programs/digital-partners.html"> Munich Re Specialty - NA, Digital Programs </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Sucursal en España </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Re Underwriting Agents (DIFC) Ltd. </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="UK, Great Britain, England, Scotland" class="cmp-list__item-link" href="https://www.munichre.com/uk-life/en.html"> Munich Re UK Life Branch </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="USA, Non-Life, US, North America" class="cmp-list__item-link" href="https://www.munichre.com/us-non-life/en.html"> Munich Re US - Munich Reinsurance America, Inc </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="US, USA, North America" class="cmp-list__item-link" href="https://www.munichre.com/mrv/en.html"> Munich Re Ventures </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="South Africa " class="cmp-list__item-link" href="https://www.munichre.com/en/company/about-munich-re/munich-re-worldwide/sub-saharan-africa/about-us.html"> Munich Reinsurance Company of Africa Limited (MRoA) </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Reinsurance Company of Australasia </a> </li> <li class="headerLinkFinderItem section"> <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"> Munich Holdings of Australasia Pty Limited (MHA) </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="New Re, New Reinsurance, Switzerland, Swiss, Zurich, Zürich, NewRe" class="cmp-list__item-link" href="https://www.newre.com/en.html"> New Re - New Reinsurance Company </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="Canada" class="cmp-list__item-link" href="https://www.munichre.com/temple-insurance/en.html"> Temple Insurance Company </a> </li> <li class="headerLinkFinderItem section"> <a data-keywords="US, USA, North America" class="cmp-list__item-link" href="https://www.peslic.com/en.html" target="_blank"> The Princeton Excess and Surplus Lines Insurance Company (PESLIC) </a> </li> </ul> </mr-m-link-list-filter> </section> </div> </mr-m-popover> <button data-overlay-open="search" class="headerCw__navigationSearch" aria-label="open search"> </button> </div> </div> </header> </div> </div> <main class="main content "> <article> <div class="root responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="rowColResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"><div class=" "> <div class="row "> <div class="col "> <div class="wcm-io-parsys aem-GridColumn aem-GridColumn--default--12"><div class="home-stage" data-duration="8500" 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Reinsurance </p> <div class="home-stage__content-headers-headline"> <h2 class="home-stage__content-headers-title"> Severe thunderstorms and flooding drive natural disaster losses in the first half of 2024 </h2> </div> <div class="home-stage__button-container"> <a class="button button--cyan" role="button" tabindex="0" href="https://www.munichre.com/en/company/media-relations/media-information-and-corporate-news/media-information/2024/natural-disaster-figures-first-half-2024.html"> Media Release </a> </div> </div> <div class="home-stage__content-headers "> <p class="home-stage__content-headers-category"> Client Survey 2024 </p> <div class="home-stage__content-headers-headline"> <h2 class="home-stage__content-headers-title"> Munich Re's bi-annual survey on client satisfaction and client retention </h2> </div> <div class="home-stage__button-container"> <a class="button button--cyan" role="button" tabindex="0" 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