Legal Notice | Munich Re

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<mr-m-news-ticker class="mr-m-news-ticker" api-url="https://www.munichre.com/en/general/legal-notice/_jcr_content.newsalert.json"> </mr-m-news-ticker> <div class="headercwcontainer"> <div class="xfpage page"> <header class="headerCw"> <div class="headerCw__inner"> <div class="headerCw__logo-wrapper"> <a class="headerCw__logo-left " href="https://www.munichre.com/en.html"> <span class="mr-h-visually-hidden">Munich Re logo</span> <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> <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> <mr-e-icon class="mr-logo-second"></mr-e-icon> </a> <a class="headerCw__logo-right headerCw__logo-right--standard "> <span class="mr-h-visually-hidden">Not 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 class="cmp-list__item " data-navigation-leaf="false"> <div> <a class="cmp-list__item-link" href="https://www.munichre.com/en/solutions.html"> <span class="cmp-list__item-title">Solutions</span> </a> </div> </li> <li class="cmp-list__item " data-navigation-leaf="true"> <div> <a class="cmp-list__item-link" href="https://www.munichre.com/en/insights.html"> <span class="cmp-list__item-title">Insights</span> </a> </div> </li> <li class="cmp-list__item " data-navigation-leaf="false"> <div> <a class="cmp-list__item-link" href="https://www.munichre.com/en/company.html"> <span class="cmp-list__item-title">Company</span> </a> </div> </li> <li class="cmp-list__item " data-navigation-leaf="false"> <div> <a class="cmp-list__item-link" href="https://www.munichre.com/en/careers.html"> <span class="cmp-list__item-title">Careers</span> </a> </div> </li> </ul> <div class="headerCw__navigationFill"></div> <div class="languageSwitch 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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="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"> Munich Re Africa Branch </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 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