SASB index 2021
The Sustainability Accounting Standards Board (SASB) is an independent organization that sets industry specific disclosure standards across financially material environmental, social, and governance (ESG) topics. We have used references to the SASB as an index  
below to help our investors find information relevant to them throughout our public disclosures, without adhering to the standards listed in the index in its entirety. This index lists Zurich’s reports and web pages and their reference to the SASB insurance standards.
Note: Zurich Insurance Group has no ownership interest in the Farmers Exchanges, which are therefore excluded from the scope of reporting for the below standards. Farmers Group, Inc., a wholly-owned subsidiary of the Group, provides certain non-claims services  
and ancillary services to the Farmers Exchanges as its attorney-in-fact and receives fees for its services.
ESG​
Indicator​
Reference​
Disclosure​
S
Transparent information and fair 
advice for customers​
FN-IN-270a.1​
Total amount of monetary losses as a result of legal proceedings associated with 
marketing and communication of insurance product-related information to new 
and returning customers
In 2021 we have recorded no material losses related to litigation associated with marketing and communication 
to report. ​
FN-IN-270a.2​
Complaints-to-claims
AR 169 section 5.2.2 of the ISD: Continuously measuring and improving claims handling
Note: We report on our claims TNPS score as part of the NPS program.
FN-IN-270a.3​
Customer retention rate
AR 168​ section 5.1.1 of the ISD: Customer attraction and retention 
Note: Reporting covers the change between full year 2020 and 2021 (not the absolute retention rate) while no split 
between voluntary and involuntary leave was made.
FN-IN-270a.4​
Description of approach to informing customers about products
AR 169 section 5.2 of the ISD: Fair and transparent advice and engagements
For specific examples, see:​ 
A: The ‘general terms and conditions’ attached are used to provide possible new customers with detailed information 
on our policies. The documents are used during the sales and quotation phase and are most frequently shared via 
digital channels. The documents are available in different languages to address our different markets. The general 
terms provided as an example below are created for our Swiss market and are thus available in French, German, 
English and Italian.
Motor Vehicle Insurance
Household Insurance
B: This Key facts document (KFD) provides customers in the UK with a summary of their Zurich Life Protection policy. 
It is shared with customers who bought the product directly from us, without any intermediaries, and sits alongside 
the Terms and Conditions. The document is also available on our website for potential customers.
Key features of the Zurich Life Protection Policy​
S
 
E
Incorporation of Environmental, 
Social, and Governance Factors in 
Investment Management​
FN-IN-410a.1​
Total invested assets, by industry and asset class
AR 262 to 264 in the financial statements, note 6: Group investments and in the Financial supplement​
FN-IN-410a.2​
Description of approach to incorporation of environmental, social, and 
governance (ESG) factors in investment management processes and strategies
AR 138 to 139​ section 4.1.1 of the ISD: Our climate-related strategy
S
 
E
Policies Designed to Incentivize 
Responsible Behavior​
FN-IN-410b.1
Net premiums written related to energy efficiency and low carbon technology
AR 159 section 4.4.2 of the ISD: Our performance metrics 
Note: KPI captures gross written premiums and policy fees (not net premiums written).
FN-IN-410b.2
Discussion of products and/or product features that incentivize health, safety, 
and/or environmentally responsible actions and/or behaviors
AR 159 section 4.4.2 of the ISD: Our performance metrics
Impact area
E
Environmental  
impact
S
Social  
impact
G
Governance  
impact
Key
AR: Annual Report
ISD: Integrated sustainability disclosure
SR: Sustainability Report
Zurich Insurance Group

SASB index 2021 (continued)
ESG​
Indicator​
Reference​
Disclosure​
E
Environmental Risk Exposure​
FN-IN-450a.1​
Probable Maximum Loss (PML) of insured products from weather-related 
natural catastrophes
AR 143 section 4.1.3 of the ISD: Climate risk assessment 2021 
Note: KPI includes net exposure for 50 and 100 years while gross exposure and 250 years are not disclosed.
FN-IN-450a.2​
Total amount of monetary losses attributable to insurance payouts from (1) 
modeled natural catastrophes and (2) non-modeled natural catastrophes,  
by type of event and geographic segment (net and gross of reinsurance)
AR 143 to 144 section 4.1.3 of the ISD: Climate risk assessment 2021 
Note: Disclosed KPI captures the loss ratio attributable to natural catastrophes while no differentiation is made  
on modeled or non-modeled or by event
FN-IN-450a.3​
Description of approach to incorporation of environmental risks into (1) the 
underwriting process for individual contracts and (2) the management of firm-
level risks and capital adequacy
AR 153 to 155 section 4.3 of the ISD: Risk management
G
Systemic Risk Management​
FN-IN-550a.1​
Exposure to derivative instruments by category: (1) total potential exposure to 
non-centrally cleared derivatives, (2) total fair value of acceptable collateral 
posted with the Central Clearinghouse, and (3) total potential exposure to 
centrally cleared derivatives
AR 265 and 268 in the Financial statements, note 7.1 : Maturity profile of notional amounts and fair values of Group 
derivative financial instruments and note 7.41: Group derivative financial instruments subject to enforceable master 
netting arrangements and collateral agreements
FN-IN-550a.2​
Total fair value of securities lending collateral assets
AR 264 in the Financial statements, note 6.72: Securities lending, repurchase and reverse repurchase agreements
FN-IN-550a.3​
Description of approach to managing capital- and liquidity-related risks 
associated with systemic non-insurance activities
Not applicable
S
Number of policies in force​
FN-IN-000.A​
Number of policies in force, by segment: (1) property and casualty, (2) life,  
(3) assumed reinsurance
Retail3
In-force policy count 2021
Table 1: Number of retail policies 2021
Total number of policies
P&C policies
Life policies
57,313,781
46,930,826
10,382,955
Commercial insurance4
In-force policy count 2021: 399,526 policies
1	 Please note that in notes 7.1 and 7.4 we provide disclosure in accordance with SASB requirements, except for: 
– total fair value of acceptable collateral posted with the central clearinghouse 
– total potential exposure to centrally cleared dervivatives (Fair Values).
2	 Please note that in note 6.7 we provide disclosure in accordance with SASB requirements, except for securities lending reinvested collateral.
3	 Reporting covers: Australia, Brazil, Germany, Italy, Japan, Spain, Switzerland and UK. No split has been made between insurance and assumed reinsurance.
4	 Reporting covers: Australia, Belgium & Luxemburg, Canada, Denmark, Finland, France, Germany, Middle East, the Netherlands, Norway, Russia, Singapore, Spain, Sweden, Switzerland, UK, USA (ex Crop & Programs). No split has been made between insurance and assumed reinsurance.
Impact area
E
Environmental  
impact
S
Social  
impact
G
Governance  
impact
Key
AR: Annual Report
ISD: Integrated sustainability disclosure
SR: Sustainability Report
Zurich Insurance Group