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    © Copyright 2000–2023 Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München ("Munich Re"). All rights reserved.

    Texts, pictures, footage and graphics and their appearance in the Munich Re website are protected under copyright law and other protective legislation. These materials or any portions thereof may be used solely for personal and non-commercial purposes. An exception shall be the use of pictures and footage downloaded from the database in the picture archive and the press footage by representatives of the media if and insofar as such pictures are used in publications with editorial relevance to Munich Re. Any contents and components of the Munich Re website stored, reproduced or distributed, provided that permission has been granted to do so, must contain a reference to Munich Re's copyright. Pictures and footage as well as articles from newspapers and magazines appearing in the Munich Re website may also in certain instances be subject to the intellectual property rights of third parties.


    "Münchener Rück", "Munich Re" and the Munich Re logo are internationally protected registered trademarks. All other company names, logos and product names appearing in the Munich Re website may be the registered trademarks of their respective owners.

    Disclaimer and Reservation of Right of Modification

    While Munich Re has used its discretion, best judgement and every reasonable effort in compiling the information and components contained in this website it may not be held liable for the completeness, correctness, topicality and technical accuracy of any information contained herein. Likewise, Munich Re may not be held liable for any loss or damage caused by computer viruses when users retrieve or download data from this website. Munich Re reserves the right, without the need to give prior notice, to modify or supplement information and components in this website.

    Links to Third-party Sites

    Clicking on certain hyperlinks on the Munich Re website allows you to leave the Munich Re site. The linked site is not under the control or influence of Munich Re and the latter is not responsible for the contents and design of or for any changes made to the linked site. Munich Re therefore shall be liable neither for offsite material contained in linked sites nor for any links contained in a linked site.

    Participation in dispute resolution according to Dispute Resolution Law for Consumers as of February 1, 2017:

    Munich Re is neither under an obligation nor willing to participate in a dispute resolution before a dispute resolution chamber under the Dispute Resolution Law for Consumers.