Munich Re, founded in 1880 and headquartered in Germany, works on problems of quantifying and pricing uncertainty. Its technical work spans risk assessment, natural catastrophe modelling, cyber risk, renewable energy risk, and space and rocket launch risk, alongside the development of digital solutions and insurance-related risk services. The company operates globally across the insurance business, applying specialised expertise and financial capacity to exposures ranging from established perils to unfamiliar risks.
The group is organised into three segments. Reinsurance, the core business, covers both established exposures and extraordinary risks. ERGO is the primary insurance arm, offering insurance products and risk services to customers. MEAG, the group's capital investment company, combines risk assessment with financial capacity and specialised expertise. A fourth strand of activity covers digital solutions and tailored risk services, developed in collaboration with customers rather than sold as off-the-shelf products.
Munich Re's stated purpose is to make risk manageable, providing financial protection to people, businesses and institutions when severe events threaten them. The emphasis is on helping clients and communities build resilience and pursue opportunities despite uncertainty, with a collaborative approach to designing bespoke coverage and risk services.
