Swiss Re Premiums: $42B ▲ 3.2% | Zurich Ins: CHF 485 ▲ 1.8% | Global Premiums: $7.2T ▲ 4.1% | InsurTech Funding: $8.4B ▼ 12.3% | Loss Ratio: 62% ▼ 1.4% | Combined Ratio: 94% ▲ 0.8% | Cat Bond Market: $45B ▲ 8.6% | Swiss Solvency: 228% ▲ 2.1% | Swiss Re Premiums: $42B ▲ 3.2% | Zurich Ins: CHF 485 ▲ 1.8% | Global Premiums: $7.2T ▲ 4.1% | InsurTech Funding: $8.4B ▼ 12.3% | Loss Ratio: 62% ▼ 1.4% | Combined Ratio: 94% ▲ 0.8% | Cat Bond Market: $45B ▲ 8.6% | Swiss Solvency: 228% ▲ 2.1% |

Terms of Service

Terms of service governing use of Zürich Insurance Intelligence.

Terms of Service

Effective Date: March 1, 2026

These Terms of Service (“Terms”) govern your use of Zürich Insurance Intelligence at zuerichinsurance.com (“the Website”), operated by The Vanderbilt Portfolio AG (“the Company”).

Acceptance of Terms

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, you must not use the Website.

Intellectual Property

All content published on the Website, including text, data, graphics, and design, is the intellectual property of The Vanderbilt Portfolio AG or its licensors. Content may not be reproduced, distributed, or commercially exploited without prior written consent.

Use of Content

The analysis and data provided on this Website are for informational purposes only. Content does not constitute insurance advice, investment advice, legal counsel, or any form of professional recommendation. Users should consult qualified professionals before making decisions based on information obtained from this Website.

Disclaimer of Warranties

The Website and its content are provided “as is” without warranties of any kind, either express or implied. The Company does not warrant that the content is accurate, complete, or current, or that the Website will be available without interruption.

Limitation of Liability

To the maximum extent permitted by Swiss law, The Vanderbilt Portfolio AG shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the Website or its content.

Governing Law

These Terms are governed by the laws of the Canton of Zug, Switzerland. Any disputes shall be subject to the exclusive jurisdiction of the courts of the Canton of Zug.

Modifications

The Company reserves the right to modify these Terms at any time. Continued use of the Website following any changes constitutes acceptance of the revised Terms.

Contact

For questions regarding these Terms, contact: legal@zuerichinsurance.com