Zürich Versicherungs-Gesellschaft AG

What Zürich Versicherungs-Gesellschaft AG does

Zürich Versicherungs-Gesellschaft AG operates the Swiss domestic business of Zurich Insurance Group Ltd (SIX:ZURN), a global multi-line insurer. The company, headquartered in Zürich and founded in 1872, employs 10,000+ people and serves private individuals, young adults, and corporate customers across Switzerland through an omnichannel distribution model that combines online self-service, a digital customer portal (ZurichOne), field sales advisors, and a network of physical offices.

Its product portfolio spans motor (comprehensive car insurance, Zurich MyWay usage-based insurance, electric vehicle insurance), property and lifestyle (contents, bicycle/e-bike, wedding, rental guarantee), personal protection (travel insurance with Relax Assistance, term life), and retirement/wealth (pillar 3a custody account, 3-pillar private pension solutions). The company also serves corporate customers with business insurance offerings.

Revenue is generated primarily through recurring insurance premiums, with individualized pricing based on risk assessment rather than standardized public tiers. Distribution is split between direct-to-consumer digital channels for simple products (e.g., bicycle insurance purchased online) and advisor-led sales for complex and corporate needs. Brand visibility is reinforced through community sponsorships such as the nationwide Public Screenings program, and customer trust is cultivated via a public testimonials section on the corporate site.

Name

Zürich Versicherungs-Gesellschaft AG

Legal name

Zürich Versicherungs-Gesellschaft AG

Website

https://zurich.ch

Company type

Public

Founded year

1872

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Zürich Versicherungs-Gesellschaft AG is the Swiss subsidiary of Zurich Insurance Group, offering multi-line personal and corporate insurance — including motor, contents, life, and pension products — to Swiss consumers and businesses via digital, advisory, and physical channels.

Ownership category

akta.pro rank

Product category

Multi-line Personal and Commercial Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life Insurance Carriers (524113), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industries

Baggage & Personal Effects Insurance (FSAJAJAE), Product Liability (FSAJADAC), Large Commercial Package (National Accounts) (FSAJAFAC)

Keywords

• Personal insurance products
• Motor vehicle insurance
• Property insurance coverage
• Retirement savings solutions
• Corporate business insurance

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: Zurich generates revenue through collecting insurance premiums from private persons for various coverage types including car insurance, contents insurance, travel insurance, life risk insurance, and retirement savings products (pillar 3a/3b).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels3 records

Core offering

Zurich Switzerland underwrites and distributes a comprehensive range of personal and corporate insurance products—including car, contents, bicycle/e-bike, electric vehicle, travel, term life, and wedding insurance—alongside Swiss three-pillar pension and retirement savings solutions (notably Pillar 3a custody accounts). Products are sold directly to private persons and corporate customers in Switzerland through online self-service, customer advisors, the ZurichOne digital portal, and physical office locations.

Product overview

Zurich Switzerland offers a comprehensive portfolio of insurance and financial services products. The core offerings include vehicle insurance products (Car Insurance, Zurich MyWay pay-as-you-drive insurance, and Electric Vehicle Insurance), property insurance (Contents Insurance, Rental Guarantee), personal insurance (Bicycle/E-bike Insurance, Travel Insurance with Relax Assistance, Term Life Insurance, Wedding Insurance), and retirement/wealth solutions (Retirement Savings Account 3a, 3-Pillar Private Pension). For business customers, Zurich provides corporate insurance solutions. The company also offers sustainability-focused products and services, emphasizing responsible and effective business practices.

Differentiator

Problem solved

Functional benefit

Brands

• Zurich MyWay: Pay-as-you-drive car insurance product for occasional vehicle users
• Zurichone

Products and services

• Car Insurance Comprehensive car insurance for private customers including third party liability, collision, and partial casco coverage.
• Zurich MyWay (Pay-as-you-drive Car Insurance) Usage-based car insurance where the premium reflects how much the customer drives, suitable for occasional-use vehicles such as second cars, convertibles, and campers.
• Electric Vehicle Insurance Specialized insurance and services tailored for electric and plug-in vehicles.
• Bicycle/E-bike Insurance Comprehensive insurance coverage for bicycles and e-bikes, available to purchase online.
• Contents Insurance Insurance coverage for tenants and owners providing comprehensive protection for personal household possessions.
• Rental Guarantee Alternative to conventional rent deposit accounts that eliminates the need for cash security deposits.
• Travel Insurance (Relax Assistance) Travel insurance providing protection and assistance services before, during, and after trips.
• Term Life Insurance Life risk insurance providing financial security in the event of death, particularly suited to individuals with family or entrepreneurial responsibilities.
• Wedding Insurance Insurance protecting against the financial consequences of canceling or postponing a wedding.
• Retirement Savings Account 3a Tax-advantaged Pillar 3a pension savings account offered at favorable conditions with no subscription fee, accessible without a customer advisor.
• 3-Pillar Private Pension Solutions Pension and wealth provision products based on the Swiss three-pillar pension system covering state, occupational, and private pension.
• Corporate Business Insurance Insurance products and solutions designed for business and corporate customers.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Allianz: Global multi-line insurer with Swiss operations. Comparable on scale, product breadth and underwriting capability, though Zurich Switzerland is the local specialist within a similar global group.
• Chubb: Global property and casualty insurer serving high-net-worth and corporate clients. Comparable on commercial lines and specialty P&C that Zurich Switzerland sells to corporate customers.

Direct peers

• AXA Switzerland: Swiss arm of global insurer AXA, offering motor, contents, life and health cover to Swiss consumers. Competes head-to-head with Zurich across the same bestseller categories.
• Baloise Group: Swiss-listed insurer with strong presence in non-life, life and pension products across Switzerland, Germany and neighboring markets. Direct competitor across private-customer lines that Zurich serves.
• Swiss Life: Leading Swiss life and pensions provider with P&C offerings; overlaps directly with Zurich's life risk and pillar 3a retirement savings products for Swiss private customers.
• Generali Switzerland: Swiss subsidiary of Generali Group providing P&C and life insurance to private and corporate clients. Comparable multi-line positioning against Zurich's Swiss portfolio.
• Die Mobiliar: Swiss cooperative insurer focused on personal lines (contents, liability, vehicle) and SME insurance in Switzerland. Highly comparable in product breadth and Swiss retail-customer focus.
• Helvetia Insurance Group: Swiss-headquartered multi-line insurer offering life, P&C, and retirement products to private and corporate customers. Closely comparable in geography, product mix and customer base to Zurich Switzerland.

Regional players

• Vaudoise Insurance: Swiss mutual insurer with personal and commercial lines concentrated in French-speaking Switzerland. Comparable on product and customer type but with a more regional footprint.

Emerging players

• Lemonade: Digital-native insurer using AI-driven underwriting and instant claims. Represents the insurtech competitive threat to incumbent carriers like Zurich in contents, car and personal lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/zurich_ch
• LinkedInlinkedin.com/company/z-rich-versicherungs-gesellschaft-ag

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zürich Versicherungs-Gesellschaft AG