Strategy

We believe in tailor-made and innovative insurance products and international programmes for corporate customers in the areas of Industrial Property, Engineering and Energy, Transportation and Aviation, Space and Art. Additionally, we provide B2B2C non-life insurance solutions targeting the embedded insurance market.

Our aim is to integrate our services into our customers’ and brokers’ value chain, ensuring a seamless and frictionless insurance experience for our customers and sales intermediaries. We believe in thorough and rigorous underwriting and we upheld a strong commitment to professional, swift, and diligent claims handling. At our core, we are passionate about developing innovative solutions that serve the needs for our customers and partners.

We recognise our responsibility toward the environment and climate. We strive to operate in a climate-neutral manner and we utilise Environmental, Social and Governance (ESG) principles when investing.

Our underwriting process carefully evaluates environmental and social aspects on insurance risks. Moreover, we actively contribute to the further development of Liechtenstein’s capital markets and regularly provide input to planned enhancements of the supervisory framework for insurers domiciled in the region. Our ambition is to be recognised as an agile and innovative insurer and trusted long-term partner for innovative Specialty Lines and Non-life Partnerbusiness (B2B2C) insurance solutions in niche markets across Europe as well as globally.

Client relationships are at the heart of our operations. We equip our underwriters with the expertise to understand our partners’ and clients’ businesses and commercial needs, enabling us to tailor insurance solutions. We emphasise agility and we set ourselves apart with a fast and professional decision-making process. We uphold rigorous and thorough underwriting leveraging advanced technical expertise, smart data, and sophisticated in-house pricing models. To ensure excellence, we invest in top-tier technical talent across underwriting and claims, fostering a diverse team that integrates commercial, legal, and technical expertise.

We believe in a 360-degree underwriting and claims process. Wherever possible, we utilise open-source platforms to enhance integration of customer touch points while placing the highest importance on data security and integrity. We conduct site visits, participate in technical surveys and industry expert groups to better understand the businesses and provide expert knowledge. All of these activities help us to find optimal and innovative solutions for our customers and partners.

We are also a firm believer in sound underwriting and pricing. Our focus lies on cycle management, technical price differentiation and diligent management of natural catastrophe accumulation exposure by modelling catastrophic events on our portfolio. For us, sound underwriting means we provide favourable and adequately priced insurance coverage in respect of the risk we take on our balance sheet.

We underwrite business primarily in Europe by using our Freedom of Service (FOS) licence, through our UK Branch (regulatory approval received in 2023), and in the USA via our Excess and Surplus Lines licence authority. Beyond these regions, we focus on niche markets, where we hold relevant licences or where regulations permit insurance and financial activities without a specific licence. Our business is predominantly sourced through brokers, independent sales agents or underwriting agencies. In strengthening our market position further, we continue to enhance our relationships with selected brokers and intermediaries, leveraging our strong and trusted brand reputation, long-term commitment, and our financially strong credit rating from S&P Global Ratings.