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href="/who-we-are/sponsorship/Arts-and-Culture"> Arts and Culture </a> </li> <li> <a href="/who-we-are/sponsorship/Generali-women-in-sailing"> Generali Women in Sailing </a> </li> </ul> </div> </li> </ul> </nav> </div> <div id="content" class="col-12 col-md-12 col-lg-9 col-xl-9 central-body"> <div> <h1 class="page-title">Germany, Austria and Switzerland</h1> </div> <div class="mt-3 txt-component"> <p>From June 1<sup>st</sup> 2024, a <strong>new organizational structure</strong> is effective. Please find <strong><a href="/who-we-are/our-management">here</a></strong> all details.<br /> <br /> The business unit DACH is reorganized as part of the new Insurance Division and it is split into <strong>three Country business units: Germany, Austria, Switzerland</strong>.</p> <p><span class="txt-red"><strong><em>The following information and numbers refer to the 2023 Group Annual Integrated Report - Data at 31.12.2023.</em></strong></span></p> <p><br /> Generali's business unit "<strong>Germany, Austria and Switzerland" (DACH)</strong> was the <strong>second largest business unit</strong> within the Generali Group and one of the <strong>leading primary insurance groups</strong> in the DACH region. <br /> <span>The joint setup in one organization combined the individual strong competencies into one force to create more value in total. The aim was to <strong>accelerate value creation</strong> through synergies in revenue, costs and innovation, exploit market potential and thus further <strong>increase profitable and sustainable growth</strong>. With its competitive advantages, the DACH business unit added important value for the Generali Group by driving the implementation of the </span><strong><span>'<a href="/who-we-are/Strategic-Plan-Lifetime-Partner-24">Lifetime Partner 24: Driving Growth</a>' strategy</span></strong><span> to continue to grow profitably and sustainably.</span></p> </div> <div class="swiper-container financials mt-md" id="financials1"> <div class="swiper-wrapper" > <div class="swiper-slide"> <div class="financial text-center p-5 background-white-2 matchHeight border-radius-8"> <span class="icongen icongen-chart"><span class="path1"></span><span class="path2"></span><span class="path3"></span><span class="path4"></span><span class="path5"></span><span class="path6"></span><span class="path7"></span><span class="path8"></span><span class="path9"></span><span class="path10"></span><span class="path11"></span><span class="path12"></span><span class="path13"></span><span class="path14"></span><span class="path15"></span><span class="path16"></span><span class="path17"></span><span class="path18"></span></span> <h4 class="color-red h1-big mb-1 nowrap">€ 19,620</h4> <h6 class="text-sm color-grey-2 text-uppercase desc">million in premiums</h6> </div> </div><div class="swiper-slide"> <div class="financial text-center p-5 background-white-2 matchHeight border-radius-8"> <span class="icongen icongen-dart"><span class="path1"></span><span class="path2"></span><span class="path3"></span><span class="path4"></span><span class="path5"></span><span class="path6"></span><span class="path7"></span><span class="path8"></span><span class="path9"></span><span class="path10"></span><span class="path11"></span><span class="path12"></span><span class="path13"></span><span class="path14"></span><span class="path15"></span><span class="path16"></span><span class="path17"></span><span class="path18"></span></span> <h4 class="color-red h1-big mb-1 nowrap">€ 1,495 </h4> <h6 class="text-sm color-grey-2 text-uppercase desc">million operating result</h6> </div> </div><div class="swiper-slide"> <div class="financial text-center p-5 background-white-2 matchHeight border-radius-8"> <span class="icongen icongen-business-ethics"><span class="path1"></span><span class="path2"></span><span class="path3"></span><span class="path4"></span><span class="path5"></span><span class="path6"></span><span class="path7"></span><span class="path8"></span><span class="path9"></span><span class="path10"></span><span class="path11"></span><span class="path12"></span><span class="path13"></span><span class="path14"></span><span class="path15"></span><span class="path16"></span><span class="path17"></span><span class="path18"></span></span> <h4 class="color-red h1-big mb-1 nowrap">15,631</h4> <h6 class="text-sm color-grey-2 text-uppercase desc">our people</h6> </div> </div> </div> <div class="swiper-pagination swiper-pagination-financials" id="swiper-pagination-financials1"></div> </div> <div class="mt-3 txt-component"> <p><sup>Data at 31.12.2023</sup></p> </div> <div id="accordion1" class="accordion-item first-child mt-md"> <a id="heading1" class="p-3 p-md-4 d-flex justify-content-between align-items-center collapsed" data-bs-toggle="collapse" data-bs-target="#collapse1" href="#collapse1" aria-expanded="false" aria-controls="collapse1"> <h3 class="h5-section font-regular mb-0 me-3">Germany</h3> <span class="icongen-right-arrow-bold"></span> </a> <div id="collapse1" data-bs-parent="#accordion1" class="collapse" role="tabpanel" aria-labelledby="heading1"> <div class="px-3 px-md-4 p-4 pt-0"> <div class="figure-with-text-left mt-0 txt-component mt-3 component"> <p><span><span><strong><span>Generali Deutschland</span></strong><span> is one of the leading primary insurance groups in the German market with premium income of around <strong>€15 billion</strong>. As part of the international Generali Group, Generali operates in Germany with the brands Generali, </span><a href="https://www.cosmosdirekt.de/" target="_blank"><strong><span><span>CosmosDirekt</span></span></strong></a><u> </u><span>and </span><a href="https://www.dialog-versicherung.de/" target="_blank"><strong><span><span><span><span>Dialog</span></span></span></span></strong></a><span>. The companies of Generali in Germany specialise in primary insurance and close financial services in German retail and commercial business. In the business fields of life, health and property insurance, we occupy the growth areas of the future. Generali's goal in Germany is to be a <strong>lifetime partner for its customers</strong>, offering <strong><em>innovative, individual solutions</em></strong> and <strong><em>services</em></strong> thanks to an excellent sales network in exclusive and direct sales as well as in the broker channel. The products of </span><a href="https://www.generali.de/ueber-uns/gesellschaften-marken/generali-deutschland-versicherungen/versicherung" target="_blank"><strong><span><span>Generali Deutschland Lebensversicherung</span></span></strong></a><span> (life insurance), of </span><a href="https://www.generali.de/ueber-uns/gesellschaften-marken/generali-deutschland-versicherungen/versicherung" target="_blank"><strong><span><span>Generali Deutschland Versicherung</span></span></strong></a><strong> </strong><span>(P&C insurance) and of </span><a href="https://www.generali.de/ueber-uns/gesellschaften-marken/generali-deutschland-versicherungen/krankenversicherung-ag" target="_blank"><strong><span><span>Generali Deutschland Krankenversicherung</span></span></strong></a><span> (health insurance) are exclusively available from the </span><a href="https://www.dvag.de/dvag/das-unternehmen.html" target="_blank"><span><span><span>Deutsche Vermögensberatung</span></span></span></a><span> group of companies - with more than <strong>5,200 head offices</strong> and <strong>branch offices</strong> the largest independent financial consulting company in Germany. As a direct insurer, CosmosDirekt is Germany's leading online insurer. Dialog is Generali's broker insurer in Germany and stands for business brokered by independent sales partners. Other Generali companies in Germany are </span><a href="https://www.advocard.de/unternehmen/" target="_blank"><strong><span><span>Advocard Rechtsschutzversicherung</span></span></strong></a><span>, which is one of the leading and most popular legal protection insurers in Germany, and </span><a href="https://www.badenia.de/" target="_blank"><span><span><span>Deutsche Bausparkasse Badenia</span></span></span></a><span>, one of the largest private building societies in Germany. Both are also product partners of Deutsche Vermögensberatung.</span></span></span></p> <p><span><span><span><span>Visit the website: </span><a href="https://www.generali.de/" target="_blank">www.generali.de</a></span></span></span></p> </div> <div class="mt-3 txt-component"> <h4><span class="txt-red">Manager in Charge</span></h4> </div> <div class="mt-md component background-white-2 border-radius-8"> <div class="row justify-content-center justify-content-md-between align-items-center"> <div class="col-4 col-md-2 col-lg-2 col-xl-2 align-self-md-start"> <div class="pt-5 py-md-5 ps-md-4 ps-lg-4 ps-xl-5 text-center text-md-start"> <figure class="m-0 figratio" data-ratio="1:1"> <img loading="lazy" class="img-rounded" width="110" src="/.imaging/default/contacts/site-generali/slehmann/photo.jpg" alt="Stefan Lehmann" title="Stefan Lehmann"> </figure> </div> </div> <div class="col-12 col-md-6 col-lg-6 col-xl-7"> <div class="pt-4 pt-md-5 py-md-5 text-center text-md-start"> <h4 class="mb-1">Stefan Lehmann</h4> <p class="mb-0"><strong>Country Manager Germany </strong></p> <div class="contact mt-3 pb-5 pb-md-0"> </div> </div> </div> <div class="col-12 col-md-4 col-lg-4 col-xl-3"> <div class="text-center text-md-end pb-5 pt-4 py-md-5 pe-md-4"> <a href="/who-we-are/our-management" aria-label="Our management" class="btn btn-red">Details</a> </div> </div> </div> </div> </div> </div> </div> <div id="accordion2" class="accordion-item"> <a id="heading2" class="p-3 p-md-4 d-flex justify-content-between align-items-center collapsed" data-bs-toggle="collapse" data-bs-target="#collapse2" href="#collapse2" aria-expanded="false" aria-controls="collapse2"> <h3 class="h5-section font-regular mb-0 me-3">Austria</h3> <span class="icongen-right-arrow-bold"></span> </a> <div id="collapse2" data-bs-parent="#accordion2" class="collapse" role="tabpanel" aria-labelledby="heading2"> <div class="px-3 px-md-4 p-4 pt-0"> <div class="figure-with-text-left mt-0 txt-component mt-3 component"> <p><span><span><a href="https://www.generali.at/privatkunden/" target="_blank"><strong><span><span>Generali Austria</span></span></strong></a>,<span> </span></span></span>with € 3 billion in gross direct premiums, ranks third in the insurance market in terms of premium volumes<span><span><span>. The company, which has been present in Vienna since 1832, focuses on a steady and <strong>sustainable growth course</strong>. With a market share of around 15 percent, Generali Austria is market leader in key areas of retail business. Around <strong>two million customers trust in the financial strength</strong>, the dense sales network and the high customer and service orientation of the all-lines insurer. At the core of the strategy is the <strong>ambition to be a lifetime partner</strong> for the customers, which is achieved through innovative and personalised solutions, first-class customer experiences and digitalised sales capacities. Regular awards confirm Generali's high service orientation and quality level. <strong>Sustainability</strong> has been considered in all business areas and processes to create value for all stakeholders, while building a more equitable and resilient society. On the one hand, this concerns product design and investments, on the other hand, it also concerns the company's own actions. In the area of social commitment, Generali Austria has developed the Family Mentoring Programme FAME as part of The Human Safety Net. Within the framework of this initiative, employees are committed to improving future opportunities and the quality of life for people who do not have it so easy in life.</span></span></span><br /> <br /> <span><span><span><span>Visit the website:</span></span> <a href="https://www.generali.at/" target="_blank">www.generali.at</a></span></span></p> </div> <div class="mt-3 txt-component"> <h4><span class="txt-red">Manager in Charge</span></h4> </div> <div class="mt-md component background-white-2 border-radius-8"> <div class="row justify-content-center justify-content-md-between align-items-center"> <div class="col-4 col-md-2 col-lg-2 col-xl-2 align-self-md-start"> <div class="pt-5 py-md-5 ps-md-4 ps-lg-4 ps-xl-5 text-center text-md-start"> <figure class="m-0 figratio" data-ratio="1:1"> <img loading="lazy" class="img-rounded" width="110" src="/.imaging/default/contacts/site-generali/gpilgram/photo.jpg" alt="Gregor Pilgram" title="Gregor Pilgram"> </figure> </div> </div> <div class="col-12 col-md-5 col-lg-4 col-xl-5"> <div class="pt-4 pt-md-5 py-md-5 text-center text-md-start"> <h4 class="mb-1">Gregor Pilgram</h4> <p class="mb-0"><strong>Country Manager Austria</strong></p> </div> </div> <div class="col-12 col-md-5 col-lg-6 col-xl-5"> <div class="text-center text-md-start pb-5 pt-4 py-md-5 contact"> </div> </div> </div> </div> </div> </div> </div> <div id="accordion3" class="accordion-item"> <a id="heading3" class="p-3 p-md-4 d-flex justify-content-between align-items-center collapsed" data-bs-toggle="collapse" data-bs-target="#collapse3" href="#collapse3" aria-expanded="false" aria-controls="collapse3"> <h3 class="h5-section font-regular mb-0 me-3">Switzerland</h3> <span class="icongen-right-arrow-bold"></span> </a> <div id="collapse3" data-bs-parent="#accordion3" class="collapse" role="tabpanel" aria-labelledby="heading3"> <div class="px-3 px-md-4 p-4 pt-0"> <div class="figure-with-text-left mt-0 txt-component mt-3 component"> <p><span><span><span><span>Generali’s roots in Switzerland date back to 1887. Today, Generali (Switzerland) Holding Ltd. operates throughout Switzerland, with <strong>two head offices</strong> – one in Adliswil and one in Nyon – and a <strong>wide network of agencies</strong>. The insurer has <strong>more than one million customers</strong> and offers products for every situation in life. These include <strong><em>property insurance, legal expenses insurance, life insurance</em></strong> and <strong><em>pension solutions</em></strong>. Generali partners with <strong>start-ups to develop innovative products</strong>. The company is the first Swiss insurer to launch a <strong>fully digital pillar 3a</strong>.  </span></span></span></span></p> <p><span><span><span>Visit the website: </span><a href="https://www.generali.ch/" target="_blank">www.generali.ch</a> </span></span></p> </div> <div class="mt-3 txt-component"> <h4><span class="txt-red">Manager in Charge</span></h4> </div> <div class="mt-md component background-white-2 border-radius-8"> <div class="row justify-content-center justify-content-md-between align-items-center"> <div class="col-4 col-md-2 col-lg-2 col-xl-2 align-self-md-start"> <div class="pt-5 py-md-5 ps-md-4 ps-lg-4 ps-xl-5 text-center text-md-start"> <figure class="m-0 figratio" data-ratio="1:1"> <img loading="lazy" class="img-rounded" width="110" src="/.imaging/default/contacts/site-generali/cschmallenbach/photo.jpg" alt="Christoph Schmallenbach" title="Christoph Schmallenbach"> </figure> </div> </div> <div class="col-12 col-md-5 col-lg-4 col-xl-5"> <div class="pt-4 pt-md-5 py-md-5 text-center text-md-start"> <h4 class="mb-1">Christoph Schmallenbach</h4> <p class="mb-0"><strong>Country Manager Switzerland</strong></p> </div> </div> <div class="col-12 col-md-5 col-lg-6 col-xl-5"> <div class="text-center text-md-start pb-5 pt-4 py-md-5 contact"> </div> </div> </div> </div> <div class="mt-3 txt-component"> <h4><br /> <span class="txt-red">Main Group companies</span></h4> <ul> <li><span><span><span><strong><span>GENERALI (SWITZERLAND) HOLDING LTD.</span></strong></span></span></span><br /> <span><span><span><span>All the Generali Group companies and activities in Switzerland are combined under the aegis of Generali (Switzerland) Holding Ltd.</span></span></span></span></li> <li><span><span><span><strong><span>GENERALI GENERAL INSURANCE LTD. </span></strong></span></span></span><br /> <span><span><span><span>An insurance provider that offers all-round support to its customers, both financially in the event of a loss and also in settling claims.</span></span></span></span></li> <li><span><span><span><strong><span>FORTUNA LEGAL PROTECTION INSURANCE LTD.</span></strong></span></span></span><br /> <span><span><span><span>Fortuna Legal Protection Insurance Ltd. offers legal protection solutions for private individuals and motorists, businesses and SMEs in the event of disputes or court cases involving third parties.</span></span></span></span></li> <li><span><span><span><strong><span>GENERALI PERSONAL INSURANCE LTD.</span></strong></span></span></span><br /> <span><span><span><span>With a market share of some 60%, Generali Insurances of Persons Ltd. is the leading unit-linked life insurer on the Swiss market as well as a pensions specialist.</span></span></span></span></li> <li><span><span><span><strong><span>FORTUNA LIFE INSURANCE LTD. VADUZ</span></strong></span></span></span><br /> <span><span><span><span>Fortuna Life Insurance Ltd., which has its registered office in Vaduz in the Principality of Liechtenstein, is a wholly owned subsidiary of Generali (Switzerland) Holding Ltd., the market leader in unit-linked life insurance in Switzerland.</span></span></span></span><br /> <span><span><span><span><span>Visit the website: </span></span><a href="http://www.fortuna.li" target="_blank"><span>www.fortuna.li</span></a></span></span></span></li> <li><span><span><span><strong><span>GENERALI INVESTMENTS SWITZERLAND LTD.</span></strong></span></span></span><br /> <span><span><span><span>Generali Investments Switzerland Ltd. is a specialised financial services provider with many years of experience and provides fund management services for the GENERALI funds in Switzerland.</span></span></span></span></li> <li><span><span><span><strong><span>HOUSE OF INSURTECH SWITZERLAND AG (HITS)</span></strong></span></span></span><br /> <span><span><span><span>House of Insurtech Switzerland AG (HITS) is a subsidiary of Generali (Switzerland) Holding Ltd. and has operated as an independent limited company since 1 December 2019. The newly founded company is an insurtech hub that brings together companies, start-ups and investors. Innovation is offered within the network as a service to companies.</span></span></span></span><br /> <span><span><span><span><span>Visit the website:</span></span><a href="http://www.houseofinsurtech.ch" target="_blank"><span>www.houseofinsurtech.ch</span></a></span></span></span></li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> <footer> <div class="large-container"> <div class="row top"> <div class="col-12 col-md-8"> <div class="row align-items-center"> <div class="col-12 col-md-4 text-center text-md-start"> <a href="/" title=""> <img src="/.resources/generalicom-templating-light/webresources/images/generali-logo-big.svg" title="" alt="Generali Group" width="90" data-png-fallback="/.resources/generalicom-templating-light/webresources/images/generali-logo-big.png"> </a> </div> <div class="mt-3 mt-md-0 col-12 col-md-8 text-center text-md-start"> <p>Follow the stories on our social networks</p> </div> </div> </div> <div class="pt-2 pt-md-0 mt-4 mt-md-0 col-12 col-md-4"> <ul class="px-5 px-md-0 list-unstyled d-flex justify-content-between align-items-center"> <li> <a rel="nofollow" class="social-linkedin" aria-label="Follow us on LinkedIn" href="https://www.linkedin.com/company/generali?trk=top_nav_home" title="https://www.linkedin.com/company/generali?trk=top_nav_home" target="_blank"><span class="icongen-linkedin"></span></a> </li> <li> <a class="social-twitter" aria-label="Follow us on Twitter" href="https://twitter.com/GENERALI" title="https://twitter.com/GENERALI" target="_blank"><span class="icongen-twitter"></span></a> </li> <li> <a class="social-instagram" aria-label="Follow us on Instagram" href="https://www.instagram.com/generaligroup/" title="https://www.instagram.com/generaligroup/" target="_blank"><span class="icongen-instagram"></span></a> </li> <li> <a class="social-youtube" aria-label="Follow us on YouTube" href="https://www.youtube.com/user/GruppoGenerali" title="https://www.youtube.com/user/GruppoGenerali" target="_blank"><span class="icongen-youtube"></span></a> </li> </ul> </div> </div> <div class="row bottom my-4 my-md-5"> <div class="pt-2 pt-md-0 col-12 col-md-4 order-1 order-md-2"> <ul class="list-unstyled d-flex flex-row flex-md-column flex-xl-row justify-content-center justify-content-xl-end align-items-md-center align-items-xl-end"> <li><a class="lightbox-remote" href="/tools/survey-modal" title="2 minute survey" data-type="url" data-remote="/tools/survey-modal"><span class="icongen-star"></span>2 minute survey</a></li> <li><a href="/tools/subscription/content-categories-subscription" title="Get Updates"><span class="icongen-get-updates"></span>Get Updates</a></li> </ul> </div> <div class="pt-2 pt-md-0 mt-4 mt-md-0 col-12 col-md-8 order-2 order-md-1"> <div class="mx-2 mx-md-0 me-xl-3"> <p><a href="/who-we-are">Generali</a> is one of the largest global insurance and asset management providers. Established in 1831, it is present in over 50 countries in the world, with a total premium income of € 82.5 billion in 2023. With almost 82,000 employees serving 70 million customers, the Group has a leading position in Europe and a growing presence in Asia and Latin America. At the heart of Generali’s strategy is its Lifetime Partner commitment to customers, achieved through innovative and personalised solutions, best-in-class customer experience and its digitalised global distribution capabilities. The Group has fully embedded sustainability into all strategic choices, with the aim to create value for all stakeholders while building a fairer and more resilient society.</p> </div> </div> </div> </div> <div class="background-grey-light last"> <div class="large-container"> <div class="row"> <div class="col-12 col-md-7"> <ul class="list-unstyled"> <li> <a title="Legal Info" href="/info/legal-information">Legal Info</a> </li> <li> <a title="Cookie Policy" href="/info/cookies-policy">Cookie Policy</a> </li> <li> <a title="Privacy & GDPR" href="/info/privacy/privacy-information">Privacy & GDPR</a> </li> <li> <a title="FATCA" href="/info/fatca">FATCA</a> </li> <li> <a title="EMIR exemption " href="/info/European-Market-Infrastructure-Regulation">EMIR exemption </a> </li> <li> <a title="Holocaust" href="/info/holocaust">Holocaust</a> </li> <li> <a title="Accessibility" href="/info/accessibility">Accessibility</a> </li> <li> <a target="_blank" title="Whistleblowing" 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href="/who-we-are/at-a-glance">At a Glance</a></li> <li> <a href="/who-we-are/history"> Our History </a> <ul> <strong class="back">Who We Are</strong> <li class="flex-column main-section"> <h3>Our History</h3> <a class="btn-red mb-3 mt-2" href="/who-we-are/history">Discover</a> </li> <li><a href="/who-we-are/history/Generali-190-Anniversary">Generali 190 Anniversary</a></li> <li><a href="/who-we-are/history/Generali-190-Anniversary-Events-Timeline">Generali 190 Events timeline</a></li> <li><a href="/who-we-are/history/interactive-timeline">Interactive Timeline</a></li> <li><a href="/who-we-are/history/our-logo-over-190-years">Our logo over 190 years</a></li> <li><a href="/who-we-are/history/the-age-of-the-lion">Generali publications</a></li> <li><a href="/who-we-are/history/posters-and-advertising">Posters and advertising</a></li> <li><a href="/who-we-are/history/The-Generali-Group-Historical-Archives">Group Historical Archives</a></li> <li><a href="/who-we-are/history/group-libraries">Group libraries</a></li> </ul> </li> <li><a href="/who-we-are/our-culture">Our Culture</a></li> <li> <a href="/who-we-are/Strategic-Plan-Lifetime-Partner-24"> Strategic Plan: Lifetime Partner 24 </a> <ul> <strong class="back">Who We Are</strong> <li class="flex-column main-section"> <h3>Strategic Plan: Lifetime Partner 24</h3> <a class="btn-red mb-3 mt-2" href="/who-we-are/Strategic-Plan-Lifetime-Partner-24">Discover</a> </li> <li><a href="/who-we-are/Strategic-Plan-Lifetime-Partner-24/Sustainable-growth">Sustainable growth</a></li> <li><a href="/who-we-are/Strategic-Plan-Lifetime-Partner-24/Earnings-profile">Earnings profile</a></li> <li><a href="/who-we-are/Strategic-Plan-Lifetime-Partner-24/Lead-innovation">Lead innovation</a></li> </ul> </li> <li> <a href="/who-we-are/global-positioning"> Our organization </a> <ul> <strong class="back">Who We Are</strong> <li class="flex-column main-section"> <h3>Our organization</h3> <a class="btn-red mb-3 mt-2" href="/who-we-are/global-positioning">Discover</a> </li> <li><a href="/who-we-are/global-positioning/italy">Italy</a></li> <li><a href="/who-we-are/global-positioning/germany">Germany, Austria and Switzerland</a></li> <li><a href="/who-we-are/global-positioning/france">France</a></li> <li><a href="/who-we-are/global-positioning/international">International</a></li> <li><a href="/who-we-are/global-positioning/global-business-activities">Global Business Activities</a></li> <li><a href="/who-we-are/global-positioning/investments-asset-and-wealth-management">Asset & Wealth Management</a></li> </ul> </li> <li><a href="/who-we-are/discovering-generali">Generali Stories</a></li> <li><a href="/who-we-are/our-business">Our business model </a></li> <li><a href="/who-we-are/our-activities">Our activities</a></li> <li><a href="/who-we-are/our-management">Our management</a></li> <li><a href="/who-we-are/our-brand">Our Brand</a></li> <li> <a href="/who-we-are/sponsorship"> Sponsorship </a> <ul> <strong class="back">Who We Are</strong> <li class="flex-column main-section"> <h3>Sponsorship</h3> <a class="btn-red mb-3 mt-2" href="/who-we-are/sponsorship">Discover</a> </li> <li><a href="/who-we-are/sponsorship/Sport">Sport</a></li> <li><a href="/who-we-are/sponsorship/Arts-and-Culture">Arts and Culture</a></li> <li><a href="/who-we-are/sponsorship/Generali-women-in-sailing">Generali Women in Sailing</a></li> </ul> </li> </ul> </li> <li> <a href="/what-we-do">What we do</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>What we do</h3> <p class="mt-1 mb-3"> Our purpose is to enable people to shape a safer and more sustainable future by caring for their lives and dreams. </p> <a class="btn-red mb-3" href="/what-we-do"> Discover </a> </li> <li><a href="/what-we-do/what-is-insurance">What is insurance</a></li> <li> <a href="/what-we-do/life-insurance"> Life insurance </a> <ul> <strong class="back">What we do</strong> <li class="flex-column main-section"> <h3>Life insurance</h3> <a class="btn-red mb-3 mt-2" href="/what-we-do/life-insurance">Discover</a> </li> <li><a href="/what-we-do/life-insurance/pure-risk-cover">Pure-Risk Cover</a></li> <li><a href="/what-we-do/life-insurance/investment-policies">Investment policies</a></li> <li><a href="/what-we-do/life-insurance/pension-funds">Pension Funds</a></li> <li><a href="/what-we-do/life-insurance/before-taking-out-a-life-insurance-policy">Before Taking Out a Life Insurance Policy</a></li> </ul> </li> <li> <a href="/what-we-do/property-and-casualty-insurance"> Property and Casualty Insurance </a> <ul> <strong class="back">What we do</strong> <li class="flex-column main-section"> <h3>Property and Casualty Insurance</h3> <a class="btn-red mb-3 mt-2" href="/what-we-do/property-and-casualty-insurance">Discover</a> </li> <li><a href="/what-we-do/property-and-casualty-insurance/damage-to-property">Damage to property</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/personal-injury">Personal Injury</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/third-party-liability">Third-Party Liability</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/before-taking-out-a-property-and-casualty-policy">Before Taking Out a Property and Casualty Policy</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/insurance-product-distribution-and-claims-management">Insurance Product Distribution and Claims Management</a></li> </ul> </li> <li><a href="/what-we-do/insurance-for-companies">Insurance for Companies</a></li> <li><a href="/what-we-do/insurance-solutions-with-ESG-components">Insurance solutions with ESG components</a></li> <li> <a href="/what-we-do/Global-Advisor-Excellence-Contest"> Global Advisor Excellence Contest </a> <ul> <strong class="back">What we do</strong> <li class="flex-column main-section"> <h3>Global Advisor Excellence Contest</h3> <a class="btn-red mb-3 mt-2" href="/what-we-do/Global-Advisor-Excellence-Contest">Discover</a> </li> <li><a href="/what-we-do/Global-Advisor-Excellence-Contest/Hall-of-fame">Hall of Fame & Finalists</a></li> <li><a href="/what-we-do/Global-Advisor-Excellence-Contest/Young-lion">Young Lion</a></li> <li><a href="/what-we-do/Global-Advisor-Excellence-Contest/engaged-agents">Generali Engaged Agents</a></li> </ul> </li> <li><a href="/what-we-do/asset-management">Asset Management</a></li> <li><a href="/what-we-do/Insurance-for-dummies">Insurance for dummies</a></li> <li><a href="/what-we-do/emerging-risks">Emerging risks</a></li> </ul> </li> <li> <a href="/sustainability">Sustainability</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Sustainability</h3> <p class="mt-1 mb-3"> Sustainability is the originator of our strategy. </p> <a class="btn-red mb-3" href="/sustainability"> Discover </a> </li> <li> <a href="/sustainability/responsible-business"> Responsible Business </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Business</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-business">Discover</a> </li> <li><a href="/sustainability/responsible-business/charter_sustainability_commitments">Charter of Sustainability Commitments </a></li> <li><a href="/sustainability/responsible-business/materiality-analysis">Materiality assessment</a></li> <li><a href="/sustainability/responsible-business/stakeholder-engagement">Stakeholder engagement</a></li> <li><a href="/sustainability/responsible-business/sustainability-indices-and-ratings">Sustainability indices and ratings </a></li> <li><a href="/sustainability/responsible-business/external-commitments">External commitments</a></li> </ul> </li> <li> <a href="/sustainability/responsible-insurer"> Responsible Insurer </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Insurer</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-insurer">Discover</a> </li> <li><a href="/sustainability/responsible-insurer/insurance-solutions-with-ESG-components">Insurance solutions with ESG components</a></li> <li><a href="/sustainability/responsible-insurer/SME-EnterPRIZE">SME EnterPRIZE</a></li> <li><a href="/sustainability/responsible-insurer/becoming-a-life-time-partner-to-our-customers">A Lifetime partner to our customers</a></li> <li><a href="/sustainability/responsible-insurer/NPS-improving-clients-experience">NPS: improving clients’ experience</a></li> <li><a href="/sustainability/responsible-insurer/Public-Private-partnerships">Public-Private partnerships</a></li> <li><a href="/sustainability/responsible-insurer/EU-Taxonomy-TSC-4-Data-sharing">EU Taxonomy</a></li> <li><a href="/sustainability/responsible-insurer/sustainability-into-underwriting">Sustainability into Underwriting</a></li> </ul> </li> <li> <a href="/sustainability/responsible-investor"> Responsible Investor </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Investor</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-investor">Discover</a> </li> <li><a href="/sustainability/responsible-investor/sustainability-into-investments">Sustainability into Investments</a></li> <li><a href="/sustainability/responsible-investor/investing-for-the-climate">Investing for climate</a></li> <li><a href="/sustainability/responsible-investor/real-estate-investments">Sustainable real estate investing</a></li> <li><a href="/sustainability/responsible-investor/sustainability-related-disclosures">Sustainability related disclosures</a></li> </ul> </li> <li> <a href="/sustainability/responsible-employer"> Responsible Employer </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Employer</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-employer">Discover</a> </li> <li><a href="/sustainability/responsible-employer/Generali-people-strategy">Generali People Strategy</a></li> <li><a href="/sustainability/responsible-employer/Employees_engagement">Employee engagement </a></li> <li><a href="/sustainability/responsible-employer/diversity-and-inclusion">Diversity Equity and Inclusion</a></li> <li><a href="/sustainability/responsible-employer/investing-in-our-people">Investing in our people</a></li> <li><a href="/sustainability/responsible-employer/training">Training</a></li> <li><a href="/sustainability/responsible-employer/work-life-balance">Work-life balance</a></li> <li><a href="/sustainability/responsible-employer/well-being">Well-being</a></li> <li><a href="/sustainability/responsible-employer/environmental-management">Environmental management system of Group Operations</a></li> <li><a href="/sustainability/responsible-employer/greenhouse-gas-emissions">Greenhouse gas emissions</a></li> <li><a href="/sustainability/responsible-employer/Green-offices-energy-use-of-resources-and-waste">Our offices: energy, use of resources and waste</a></li> <li><a href="/sustainability/responsible-employer/mobility">Mobility of our personnel</a></li> <li><a href="/sustainability/responsible-employer/social-dialogue">Social Dialogue</a></li> <li><a href="/sustainability/responsible-employer/european_social_charter">European Social Charter</a></li> <li><a href="/sustainability/responsible-employer/European_Works_Council">European Works Council</a></li> <li><a href="/sustainability/responsible-employer/working-with-our-suppliers">Working with our suppliers</a></li> </ul> </li> <li> <a href="/sustainability/responsible-citizen"> Responsible Corporate Citizen </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Corporate Citizen</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-citizen">Discover</a> </li> <li><a href="/sustainability/responsible-citizen/the-human-safety-net">The Human Safety Net</a></li> <li><a href="/sustainability/responsible-citizen/how-we-contribute">How we contribute</a></li> </ul> </li> <li> <a href="/sustainability/our-commitment-to-the-environment-and-climate"> Commitments to the environment and climate </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Commitments to the environment and climate</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/our-commitment-to-the-environment-and-climate">Discover</a> </li> <li><a href="/sustainability/our-commitment-to-the-environment-and-climate/participation-in-public-debate">Climate advocacy policy and participation in public debate</a></li> </ul> </li> <li> <a href="/sustainability/performance-and-reporting"> Performance and Reporting </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Performance and Reporting</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/performance-and-reporting">Discover</a> </li> <li><a href="/sustainability/performance-and-reporting/data-and-performance">Data and performance</a></li> <li><a href="/sustainability/performance-and-reporting/how-we-report-vista">Sustainability reports archive</a></li> </ul> </li> <li> <a href="/sustainability/sustainable-financial-management"> Sustainable Financial Management </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Sustainable Financial Management</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/sustainable-financial-management">Discover</a> </li> <li><a href="/sustainability/sustainable-financial-management/green-and-sustainability-bonds">Green & Sustainability Bonds</a></li> <li><a href="/sustainability/sustainable-financial-management/green-social-and-sustainability-ILS">Green, Social and Sustainability ILS</a></li> </ul> </li> <li> <a href="/sustainability/our-rules"> Our rules </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Our rules</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/our-rules">Discover</a> </li> <li><a href="/sustainability/our-rules/governance-management">Governance & management</a></li> <li><a href="/sustainability/our-rules/code-of-conduct">Generali Group Code of Conduct</a></li> <li><a href="/sustainability/our-rules/respecting-human-rights">Respecting human rights</a></li> <li><a href="/sustainability/our-rules/anti-corruption">Anti-corruption</a></li> <li><a href="/sustainability/our-rules/financial-crimes-compliance">Financial crimes compliance</a></li> <li><a href="/sustainability/our-rules/Anti-Financial-Crime-and-Anti-Bribery-and-Corruption">Anti Financial Crime and Anti Bribery & Corruption</a></li> <li><a href="/sustainability/our-rules/tax-payments">Tax Strategy and Taxes</a></li> <li><a href="/sustainability/our-rules/tax-transparency-report">Tax Transparency Report</a></li> <li><a href="/sustainability/our-rules/group-security">Group security</a></li> </ul> </li> <li><a href="/sustainability/contacts">Contacts</a></li> </ul> </li> <li> <a href="/work-with-us">Work with us</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Work with us</h3> <p class="mt-1 mb-3"> People are our company's soul. </p> <a class="btn-red mb-3" href="/work-with-us"> Discover </a> </li> <li> <a href="/work-with-us/Get-to-know-us"> Get to know us </a> <ul> <strong class="back">Work with us</strong> <li class="flex-column main-section"> <h3>Get to know us</h3> <a class="btn-red mb-3 mt-2" href="/work-with-us/Get-to-know-us">Discover</a> </li> <li><a href="/work-with-us/Get-to-know-us/diversity-and-inclusion">Diversity Equity and Inclusion</a></li> <li><a href="/work-with-us/Get-to-know-us/Our-people-s-stories">Our people’s stories</a></li> </ul> </li> <li> <a href="/work-with-us/grow-with-us"> Grow with us </a> <ul> <strong class="back">Work with us</strong> <li class="flex-column main-section"> <h3>Grow with us</h3> <a class="btn-red mb-3 mt-2" href="/work-with-us/grow-with-us">Discover</a> </li> <li><a href="/work-with-us/grow-with-us/Drive-our-success">Drive our success</a></li> <li><a href="/work-with-us/grow-with-us/Your-development">Your development with us</a></li> <li><a href="/work-with-us/grow-with-us/We-LEARN">We LEARN</a></li> <li><a href="/work-with-us/grow-with-us/what-we-offer">What we offer</a></li> </ul> </li> <li> <a href="/work-with-us/join-us"> Join us </a> <ul> <strong class="back">Work with us</strong> <li class="flex-column main-section"> <h3>Join us</h3> <a class="btn-red mb-3 mt-2" href="/work-with-us/join-us">Discover</a> </li> <li><a href="/work-with-us/join-us/five-reasons-to-apply">Five reasons to apply</a></li> <li><a href="/work-with-us/join-us/Openings_Graduates_and_Students">Openings for Graduates and Students</a></li> <li><a href="/work-with-us/join-us/job-search">Job search</a></li> <li><a href="/work-with-us/join-us/contact-and-connect-with-us">Contact and connect with us</a></li> </ul> </li> </ul> </li> <li> <a href="/investors">Investors</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Investors</h3> <p class="mt-1 mb-3"> Driving sustainable growth, enhancing earnings profile, and leading innovation are the three pillars of our strategy. </p> <a class="btn-red mb-3" href="/investors"> Discover </a> </li> <li><a href="/investors/investing-in-generali">Investing in Generali</a></li> <li> <a href="/investors/Strategy"> Strategy </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Strategy</h3> <a class="btn-red mb-3 mt-2" href="/investors/Strategy">Discover</a> </li> <li><a href="/investors/Strategy/Outlook">Outlook</a></li> <li><a href="/investors/Strategy/investments-and-divestments">Investments and divestments</a></li> <li><a href="/investors/Strategy/transformation-strategy">Lead Innovation</a></li> <li><a href="/investors/Strategy/Growth-factors">Growth factors</a></li> </ul> </li> <li> <a href="/investors/financial-highlights"> Financial highlights </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Financial highlights</h3> <a class="btn-red mb-3 mt-2" href="/investors/financial-highlights">Discover</a> </li> <li><a href="/investors/financial-highlights/performance-by-segment">Performance by segment</a></li> <li><a href="/investors/financial-highlights/performance-by-country">Performance by country</a></li> <li><a href="/investors/financial-highlights/historical-data">Historical Data</a></li> </ul> </li> <li> <a href="/investors/reports-and-presentations"> Reports and presentations </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Reports and presentations</h3> <a class="btn-red mb-3 mt-2" href="/investors/reports-and-presentations">Discover</a> </li> <li><a href="/investors/reports-and-presentations/report-archive">Report Archive</a></li> <li><a href="/investors/reports-and-presentations/Presentations">Presentations</a></li> <li><a href="/investors/reports-and-presentations/investor-day">Investor Days</a></li> <li><a href="/investors/reports-and-presentations/opa-cattolica">Cattolica Tender</a></li> </ul> </li> <li> <a href="/investors/share-information-analysts"> Share information & analysts </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Share information & analysts</h3> <a class="btn-red mb-3 mt-2" href="/investors/share-information-analysts">Discover</a> </li> <li><a href="/investors/share-information-analysts/key-share-figures">Key share figures</a></li> <li><a href="/investors/share-information-analysts/tickers-and-indices">Tickers and indices</a></li> <li><a href="/investors/share-information-analysts/share-capital">Share capital</a></li> <li><a href="/investors/share-information-analysts/dividends">Dividends</a></li> <li><a href="/investors/share-information-analysts/Shareholding-calculator">Shareholding calculator</a></li> <li><a href="/investors/share-information-analysts/equity-analysts-and-consensus">Equity analysts and consensus</a></li> <li><a href="/investors/share-information-analysts/ownership-structure">Ownership structure</a></li> <li><a href="/investors/share-information-analysts/share-buyback">Share buyback</a></li> </ul> </li> <li> <a href="/investors/debt-ratings"> Debt & ratings </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Debt & ratings</h3> <a class="btn-red mb-3 mt-2" href="/investors/debt-ratings">Discover</a> </li> <li><a href="/investors/debt-ratings/listed-debt-securities">Debt securities</a></li> <li><a href="/investors/debt-ratings/debt-composition-and-maturity">Debt composition and maturity</a></li> <li><a href="/investors/debt-ratings/ratings">Ratings</a></li> <li><a href="/investors/debt-ratings/credit-analysts">Credit analysts</a></li> <li><a href="/investors/debt-ratings/sustainability-bond-framework">Sustainability Bond Framework and Report </a></li> </ul> </li> <li> <a href="/investors/Our-ESG-approach"> Our ESG approach </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Our ESG approach</h3> <a class="btn-red mb-3 mt-2" href="/investors/Our-ESG-approach">Discover</a> </li> <li><a href="/investors/Our-ESG-approach/Environmental">Environmental</a></li> <li><a href="/investors/Our-ESG-approach/Social">Social</a></li> <li><a href="/investors/Our-ESG-approach/Governance">Governance</a></li> </ul> </li> <li><a href="/investors/financial-calendar">Financial calendar</a></li> <li><a href="/investors/Retail-shareholders">Retail shareholders</a></li> <li> <a href="/investors/contacts"> Contacts </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Contacts</h3> <a class="btn-red mb-3 mt-2" href="/investors/contacts">Discover</a> </li> <li><a href="/investors/contacts/Contacts-for-institutional-investors">Contacts for institutional investors</a></li> <li><a href="/investors/contacts/Contacts-for-retail-shareholders">Contacts for retail shareholders</a></li> </ul> </li> </ul> </li> <li> <a href="/media">Media</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Media</h3> <p class="mt-1 mb-3"> The latest from Generali. </p> <a class="btn-red mb-3" href="/media"> Discover </a> </li> <li><a href="/media/press-releases">Press releases</a></li> <li> <a href="/media/News"> News </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>News</h3> <a class="btn-red mb-3 mt-2" href="/media/News">Discover</a> </li> <li><a href="/media/News/covid-19-emergency">COVID-19 emergency</a></li> </ul> </li> <li> <a href="/media/podcast"> Podcast </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Podcast</h3> <a class="btn-red mb-3 mt-2" href="/media/podcast">Discover</a> </li> <li><a href="/media/podcast/190-Years-of-Future">190 Years of Future</a></li> </ul> </li> <li><a href="/media/media-kit">Media kit</a></li> <li><a href="/media/events-calendar">Events calendar</a></li> <li> <a href="/media/multimedia-gallery"> Multimedia-Gallery </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Multimedia-Gallery</h3> <a class="btn-red mb-3 mt-2" href="/media/multimedia-gallery">Discover</a> </li> <li><a href="/media/multimedia-gallery/video">Videos</a></li> <li><a href="/media/multimedia-gallery/images">Images</a></li> </ul> </li> <li> <a href="/media/social-media"> Social media </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Social media</h3> <a class="btn-red mb-3 mt-2" href="/media/social-media">Discover</a> </li> <li><a href="/media/social-media/netiquette">Netiquette</a></li> </ul> </li> <li><a href="/media/corporate-magazines">Corporate magazines</a></li> <li> <a href="/media/macroeconomic-and-insurance-research"> Macroeconomic and insurance research </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Macroeconomic and insurance research</h3> <a class="btn-red mb-3 mt-2" href="/media/macroeconomic-and-insurance-research">Discover</a> </li> <li><a href="/media/macroeconomic-and-insurance-research/contacts">Contacts</a></li> </ul> </li> <li><a href="/media/contacts">Contacts</a></li> </ul> </li> <li> <a href="/governance">Governance</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Governance</h3> <p class="mt-1 mb-3"> Our corporate governance system is in line with international best practices. </p> <a class="btn-red mb-3" href="/governance"> Discover </a> </li> <li> <a href="/governance/corporate-governance-system"> Corporate 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