Primary insurance - ERGO: Portrait

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Portrait ERGO - Munich Re

ERGO – One of the major insurance groups in Germany and Europe 

ERGO is one of the major insurance groups in Germany and Europe. We are represented in about 30 countries worldwide, focusing mainly on Europe and Asia. ERGO provides a comprehensive range of insurance and provision products and services. In its home market of Germany, ERGO ranks among the leading providers across all segments. Around 40,000 people work for our group as salaried employees or registered sales representatives. In 2018, we recorded total premium income of €18.7 billion and rendered net benefits to customers of €15.1 billion.

ERGO is part of Munich Re, one of the world’s leading reinsurers and risk carriers. The Group's asset manager and fund provider, MEAG, also manages the large majority of ERGO's capital investments, amounting to €132.1 billion.

The umbrella of ERGO Group AG covers three separate units, known as ERGO Deutschland AG, ERGO International AG and ERGO Digital Ventures AG, which bundle German, international, direct and digital business.

As an integral part of Munich Re, ERGO is integrated into the core Group processes in terms of regulatory and corporate law. This includes, for example, Group strategy, capital and financial planning, risk management, controlling, reporting and accounting and general, core legal transactions and measures. A controlling agreement has existed between MunichFinancialGroup GmbH (fully owned by Münchener Rückversicherung AG) and ERGO Group AG since 2012. A Group guideline governs the responsibilities and competencies between the group management of Munich Re and ERGO when making major decisions.

Our business covers all forms of life, pension and health insurance and almost all branches of private, commercial and industrial property and casualty insurance as well as legal protection insurance.

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