FR EN Home Corporate About us Who we are WHO WE ARE SCOR is the world’s fourth-largest reinsurer. We offer diversified, innovative solutions and services to help our clients control and manage risk, balancing a global presence with industry-recognized expertise and cutting-edge financial solutions. SHARE Body A Tier 1 Reinsurer A global, independent, Tier 1 reinsurance company, SCOR provides its clients with value-added solutions thanks to an underwriting policy based on profitability, effective risk management and cautious investment. In terms of financial strength, independent rating agencies place SCOR among the best-ranked reinsurance companies in the world (AA- rating from S&P and Fitch, Aa3 from Moody’s and A+ from AM Best). SCOR’s four cornerstones – controlled risk appetite, robust capital shield, high diversification and strong franchise – are proven creators of long-term value. The Group’s organizational choices are guided by sound principles: mobilization of skills and expertise, operating efficiency, structural simplicity, clear reporting lines and a balance among the Group’s different teams and entities. Body Our Raison d'être You have not yet given permission to place the required cookies. Accept the required cookies to view this content. Show content Body As a global independent reinsurance company, SCOR contributes to the welfare, resilience and sustainable development of society by bridging the protection gap, increasing insurance reach, helping to protect insureds against the risks they face, pushing back the frontiers of insurability and acting as a responsible investor. Through the expertise and know-how of its employees, it combines the Art and Science of Risk to offer its clients an optimum level of security and creates value for its shareholders by developing its Life and P&C business lines, respecting strict corporate governance rules. SCOR provides its clients with a broad range of innovative reinsurance solutions and pursues an underwriting policy founded on profitability, supported by effective risk management and a prudent investment policy. Body A World of Science and Scenarios Resilience embodies and defines the reinsurance industry. At SCOR, our mission is to minimize the impact of shocks, whenever they occur – to make this world more livable. Far too many people today remain underinsured or uninsured. Every time catastrophe strikes, this lack of coverage sets back the ability of societies to recover and move forward. SCOR is working to bridge the protection gap, widening the limits as far as possible by offering new products and improved services. Meanwhile, the horizon of emerging risks is expanding. Today, society is balancing efforts to address a global pandemic with the need to anticipate potential damage from threats like cyber attacks and to mitigate and adapt to climate change. Yet many of these phenomena are not, as yet, fully understood. You have not yet given permission to place the required cookies. Accept the required cookies to view this content. Show content SCOR - Our word is our bond For the past 50 years, our purpose has been to make this world safer, more livable, and ultimately more resilient. Past, present and future, our word is our bond. #ResilientTogether #InsideSCOR Building resilience in this rapidly evolving landscape is our challenge, as well as our opportunity. We insure the insurers. Large risks and catastrophes are the raw material of reinsurance. Unlike the insurance universe, which is marked by cycles and trends where shocks are exceptional, reinsurers need to focus on the tail end of the probability spectrum – on low-frequency, high-severity events for which the variance per risk is much higher. The insurer’s risk probability distribution is based on abundant and granular data; for the reinsurer, because we know so little about the many potential catastrophes we face, data is limited. This is why we use probabilistic rather than statistical tools. We don’t foresee what is going to happen – we infer it. More and more, this means entering a world of scenarios. Image Body SCOR has established a strong leading position as a global reinsurer, thanks to the rigor of its strategic choices, the balance between its Life and P&C business, its recognized technical expertise and its global presence. Author name Denis Kessler Author position Chairman of SCOR Body Our Business Units The Group’s development model is driven by three Business Units, which provide a broad range of innovative reinsurance solutions: SCOR Global P&C (Property & Casualty), SCOR Global Life and SCOR Global Investments. SCOR Global P&C’s broad coverage of physical, environmental and financial risks includes: damage to physical assets caused by fire, natural catastrophes and other perils, as well as inherent defects in construction customized risk transfer solutions for crops, livestock, forest, greenhouse and aquaculture resources credit, surety and political risks, with more than 40 years’ experience to draw on. SCOR Global Investments, together with SCOR Investment Partners – its asset management company – contributes to economic growth by helping to increase many forms of capital. At SCOR, we use all forms of capital available. Financial and human capital are key resources for the sustainability of our activities. We also rely on intellectual, social and relationship capital, as well as manufactured and environmental capital, although to a lesser extent. SCOR Global Life safeguards human, social and relationship capital. With our unique expertise in biometric and health-related risks, we offer a variety of health solutions for: critical illnesses such as cancer, heart attacks and stroke long-term care required by conditions such as Alzheimer’s disease longevity risks, which are important to the security of pension systems. Our reinsurance professionals are highly qualified to identify, select, assess and price all these risks, thereby enabling us to absorb them. Image Image Body Strength Through Diversification Our global presence enables us to stay close to our clients and markets. SCOR is established in some 30 countries, with more than 3,000 highly skilled professionals who provide services to over 4,000 clients worldwide. The Group is structured around three regional management platforms, or organizational hubs: the EMEA Hub, the Americas Hub and the Asia-Pacific Hub. Title To find out more Left section title Documents Documents / Links left Activity & CSR Report SCOR Essentials Right section title More Information Documents / Links right Our Global Presence Ratings FR EN SCOR (PAR) : 27.57 EUR (-0.33%) 24/11/2021 17:35 Pied de page CORPORATE ABOUT US SUSTAINABILITY INVESTORS MEDIA CAREERS SOLUTIONS PROPERTY & CASUALTY LIFE & HEALTH INVESTMENTS THE ART & SCIENCE OF RISK RISK KNOWLEDGE RISK MANAGEMENT Contact us CONTACT US Menu Footer Gauche Terms of Use & Legal Notice Report a Concern © SCOR 2021 Menu Footer Droite Cookies & Privacy Policy Cookies Settings UK Modern Slavery Act Statement close Manage cookies Our site SCOR.COM uses cookies necessary for the operation of the site and allowing to know the pages and the content which interests you. You can find out more about cookies by consulting our data protection and cookies policy. We keep your choices for 100 days. You can change your mind by consulting this page link to settings. ACCEPT ALL REFUSE ALL CONFIGURE YOUR CHOICES