{"product_id":"scor-business-model-canvas","title":"Scor Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSCOR Business Model Canvas: Strategic Insights and Ready-to-Use Templates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the strategic blueprint behind SCOR's business model with a concise, actionable Business Model Canvas that highlights value propositions, customer segments, key partners, and revenue logic; designed for investors, consultants, and founders seeking clear market understanding and practical templates. Download the complete Word and Excel files to benchmark strategy, test scenarios, and support faster decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Retrocessionaires\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpscor partners with global retrocessionaires-secondary reinsurers-to cede portions of assumed risk and shield its balance sheet from extreme volatility preserving solvency ratios group reported a scr coverage around per annual report by end-2025 these ties include more collateralized structures sidecars industry data showing reinsurance grew in helping scor limit peak-cat exposure stabilise capital needs.\u003e\n\u003c\/pscor\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational Insurance Brokers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCOR keeps deep alliances with major global brokers-Marsh McLennan, Willis Towers Watson, and Aon-who place about 60% of SCOR's 2024 treaty volumes, giving SCOR wide access to primary insurers and helping structure complex risk‑sharing deals.\u003c\/p\u003e\n\u003cp\u003eIn 2025's hard market, brokers drive rate discovery and specialty growth; SCOR leveraged broker-led placements to grow specialty premiums ~12% YoY and capture higher combined ratio business in cyber and D\u0026amp;O.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurtech and Data Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR partners with insurtechs and data providers to embed AI, advanced analytics and satellite imaging into underwriting, boosting climate-risk pricing accuracy by ~18% and cutting claim assessment time by 35% versus 2022 baselines.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstitutional Asset Managers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSCOR outsources management of its roughly EUR 40bn investment float to specialist institutional asset managers across Europe, North America, and Asia, prioritizing ESG-compliant strategies and high-yield fixed income to boost returns while preserving capital.\u003c\/p\u003e\n\u003cp\u003eThis coordination supports SCOR's asset-liability matching through 2025, targeting a 3-4% incremental yield vs. passive benchmarks and helping maintain solvency ratios above regulatory targets amid rate volatility.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEUR 40bn float\u003c\/li\u003e\n\u003cli\u003e3-4% incremental yield target\u003c\/li\u003e\n\u003cli\u003eESG-first mandate\u003c\/li\u003e\n\u003cli\u003eGeographic diversification: EU\/NA\/APAC\u003c\/li\u003e\n\u003cli\u003eSupports solvency ratios in 2025\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAcademic and Scientific Research Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group partners with universities and climate research centers to gain early insights on emerging risks like pandemics and long-term environmental change; these inputs calibrate SCOR's proprietary risk models and influenced reinsurance pricing for ~€3.1bn of exposure in 2024.\u003c\/p\u003e\n\u003cp\u003eAs of 2025, findings are shared via the SCOR Foundation to bolster reputation as a thought leader in risk science and support ~€5m in annual research funding.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePartnerships: universities, climate centers\u003c\/li\u003e\n\u003cli\u003eUse: feed proprietary risk models\u003c\/li\u003e\n\u003cli\u003eImpact: €3.1bn exposure influenced (2024)\u003c\/li\u003e\n\u003cli\u003eSCOR Foundation: €5m annual research funding (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSCOR partners drive solvency, distribution, €40bn float and 18% climate pricing gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR's key partners include global retrocessionaires (protecting solvency; SCR ~176% in 2024), brokers (Marsh, WTW, Aon; ~60% of treaty flows), asset managers (managing ~EUR 40bn float with 3-4% incremental yield target), insurtechs\/data providers (improved climate pricing ~18%), and research centers (influenced €3.1bn exposure; €5m research funding in 2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eRole\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetrocessionaires\u003c\/td\u003e\n\u003ctd\u003eRisk transfer\u003c\/td\u003e\n\u003ctd\u003eSCR ~176% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrokers\u003c\/td\u003e\n\u003ctd\u003eDistribution\u003c\/td\u003e\n\u003ctd\u003e~60% treaty volume (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAsset managers\u003c\/td\u003e\n\u003ctd\u003eFloat mgmt\u003c\/td\u003e\n\u003ctd\u003eEUR 40bn; +3-4% yield target\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurtechs\/data\u003c\/td\u003e\n\u003ctd\u003eUnderwriting\u003c\/td\u003e\n\u003ctd\u003eClimate pricing +18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eResearch centers\u003c\/td\u003e\n\u003ctd\u003eRisk models\u003c\/td\u003e\n\u003ctd\u003e€3.1bn exposure; €5m funding (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-written Business Model Canvas for Scor that maps nine BMC blocks-customers, value propositions, channels, revenue, resources, activities, partners, cost structure, and customer relationships-aligned with the company's reinsurance strategy and operations, including competitive advantage analysis, SWOT-linked insights, and investor-ready narrative for decision-making and presentations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Scor's business model with editable cells, letting teams quickly map reinsurance value propositions, risk pools, and distribution channels to relieve strategy and reporting friction.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Risk Underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCOR's core underwriting assesses and prices risks across Life \u0026amp; Health and Property \u0026amp; Casualty, using actuarial models to set premiums for ceded liabilities; in 2024 SCOR reported €16.5bn gross written premiums, reflecting this pricing activity. By end-2025 the process is heavily augmented with machine learning, which SCOR estimates cuts loss projection error by ~12% and supports reserving accuracy improvements tied to its €2.3bn annual technical result (2024).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eClaims and Liability Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCOR settles large claims and maintains technical reserves to cover future payouts, balancing fast payments to preserve client trust with strict reserving to avoid excess-reserves were EUR 11.2bn at year-end 2024, and in 2025 SCOR is cutting average large-claim cycle time by 30% via digital docs and automated verification, improving payout accuracy and capital efficiency.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital and Solvency Optimization\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eScor dynamically manages capital to meet Solvency II SCR and preserve S\u0026amp;P A+ \/ AM Best A ratings, balancing retained risk with retrocession to target a 150-170% regulatory solvency ratio and deploy capital toward life \u0026amp; reinsurance lines with ROE above 10%. In 2025 the group stresses capital agility-adjusting sovereign bond durations and retrocession buybacks as rates move, keeping liquidity buffer near €4.5bn.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Investment Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe company actively manages its investment portfolio to earn steady returns on premiums held before claims, targeting a 3.5-4.0% annual yield through diversified bonds, equities and alternatives aligned to liquidity needs.\u003c\/p\u003e\n\u003cp\u003eBy late 2025 the strategy is integrated with sustainability goals, shifting ~€4.2bn (≈10% of invested assets) to low‑carbon and carbon‑neutral investments to meet net‑zero commitments.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDiversified mix: bonds, equities, alternatives\u003c\/li\u003e\n\u003cli\u003eYield target: 3.5-4.0% pa\u003c\/li\u003e\n\u003cli\u003eLiquidity matched to claim profile\u003c\/li\u003e\n\u003cli\u003e€4.2bn reallocated to low‑carbon by late 2025\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProduct Innovation and R and D\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSCOR develops modular reinsurance products for cyber, longevity, and renewable energy risks, blending actuarial models with market intelligence to tailor solutions across jurisdictions; in 2025 the R\u0026amp;D team targets 30% faster deployment and regulatory-ready templates for 12 key markets.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eModular products: adapt for 12 markets\u003c\/li\u003e\n\u003cli\u003eDeployment speed: +30% in 2025\u003c\/li\u003e\n\u003cli\u003eFocus areas: cyber, longevity, renewables\u003c\/li\u003e\n\u003cli\u003eCross-functional: actuarial + market intel\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSCOR speeds claims \u0026amp; product rollout 30%, strengthens balance sheet, eyes 3.5-4% yield\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR underwrites and prices Life \u0026amp; Health and P\u0026amp;C risks (€16.5bn GWP 2024), settles claims with €11.2bn reserves (YE2024) and cuts large-claim cycle time 30% in 2025, manages capital to hit 150-170% SCR with ~€4.5bn liquidity, targets 3.5-4.0% investment yield and moved €4.2bn to low‑carbon by 2025, and rolls out modular cyber\/longevity\/renewables products 30% faster in 2025.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eGWP 2024\u003c\/td\u003e\n\u003ctd\u003e€16.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReserves YE2024\u003c\/td\u003e\n\u003ctd\u003e€11.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLiquidity buffer 2025\u003c\/td\u003e\n\u003ctd\u003e€4.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestment yield target\u003c\/td\u003e\n\u003ctd\u003e3.5-4.0% pa\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLow‑carbon reallocation\u003c\/td\u003e\n\u003ctd\u003e€4.2bn (~10%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLarge‑claim cycle time cut\u003c\/td\u003e\n\u003ctd\u003e30% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeployment speed improvement\u003c\/td\u003e\n\u003ctd\u003e+30% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Scor Business Model Canvas-not a mockup-and it matches the file you'll receive after purchase; upon checkout you'll get this exact, fully editable document ready for use in Word and Excel.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Capital and Solvency Reserves\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCOR's most vital resource is its strong balance sheet, enabling the firm to assume multi‑billion euro risks for clients; as of 30 Sep 2025 SCOR reported shareholders' equity of €6.8bn and available capital exceeding regulatory requirements. \u003c\/p\u003e\n\u003cp\u003eThe group maintained a Solvency II ratio of ~210% in late 2025, backed by diversified premium income (life \u0026amp; P\u0026amp;C) and disciplined capital management, supporting long‑term stability. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Risk Models and Data\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCOR holds decades of loss records and proprietary actuarial models that, by 2025, price risks with a 10-25% tighter accuracy range versus mid-size reinsurers, unlocking niche segments and improving combined ratio impact; the firm reports ~€12bn in technical reserves underpinned by these models. The data is treated as a strategic asset, secured with AES-256 encryption, zero-trust cloud architecture, and used in cloud analytics that process \u0026gt;5bn events monthly.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExpert Human Capital\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR depends on a global team of ~2,300 specialized actuaries, underwriters, data scientists, and legal experts; their intellectual capital underpins pricing, reserving, and cross-border compliance in reinsurance.\u003c\/p\u003e\n\u003cp\u003eIn 2025 SCOR increased talent investment-€85m in training and R\u0026amp;D-keeping its workforce central to new risk-model rollouts and innovations in catastrophe and longevity risk management.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal License and Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSCOR holds regulatory licenses across nearly every major insurance market, creating a strong competitive moat and enabling local client service while spreading underwriting risk globally.\u003c\/p\u003e\n\u003cp\u003eBy end-2025 the branch network is streamlined for regional decision-making and faster responses, supporting diversified risk pools and preserving capital-SCOR reported €14.2bn in gross written premiums in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLicenses: nearly all major markets\u003c\/li\u003e\n\u003cli\u003eGWP 2024: €14.2bn\u003c\/li\u003e\n\u003cli\u003eGlobal branches optimized by end-2025\u003c\/li\u003e\n\u003cli\u003eMoat: local access + global diversification\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Reputation and Credit Ratings\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSCOR's standing with S\u0026amp;P (A- as of Dec 31, 2024) and AM Best (A- maintained 2024) is a core resource that drives access to top-tier cedents and larger treaty limits; strong ratings reduced capital friction and supported €1.6bn of retrocession placements in 2024.\u003c\/p\u003e\n\u003cp\u003eIn 2025 the exec team prioritizes rating stability-targeting solvency ratio \u0026gt;200% and IFRS equity resilience-to signal capability to meet claims under stress.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRatings: S\u0026amp;P A- (Dec 31, 2024), AM Best A- (2024)\u003c\/li\u003e\n\u003cli\u003e2024 retrocession funded: €1.6bn\u003c\/li\u003e\n\u003cli\u003eTarget: Solvency II ratio \u0026gt;200% in 2025\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSCOR: €6.8bn Equity, ~210% Solvency II, €14.2bn GWP - Resilient Reinsurance Strength\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR's key resources: €6.8bn shareholders' equity (30 Sep 2025), Solvency II ~210% (late 2025), €14.2bn GWP (2024), ~€12bn technical reserves, ~2,300 specialists, €85m training\/R\u0026amp;D (2025), S\u0026amp;P A- \u0026amp; AM Best A- (2024), €1.6bn retrocession (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eEquity\u003c\/td\u003e\n\u003ctd\u003e€6.8bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSolvency II\u003c\/td\u003e\n\u003ctd\u003e~210%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGWP\u003c\/td\u003e\n\u003ctd\u003e€14.2bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Stability and Risk Transfer\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCOR helps primary insurers cut catastrophic loss exposure and smooth earnings by assuming portions of catastrophe treaties, protecting clients' capital and operations; in 2025 SCOR reported €11.2bn gross written premiums and ceded risk that helped limit peak loss volatility amid a 12% rise in global insured catastrophe losses to $120bn in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital Optimization for Cedants\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCOR provides reinsurance and financial-reinsurance solutions that cut cedants' regulatory capital needs and lift return on equity; in 2025 SCOR reported €1.2bn in capital relief solutions sold, improving client ROE by ~3-6 percentage points on average.\u003c\/p\u003e\n\u003cp\u003eThat capital relief lets primary insurers underwrite more policies and grow premium volume without immediate external funding-SCOR's balance-sheet-efficient products accounted for ~18% of new business in 2025, enabling faster market expansion for cedants.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Expertise and Market Insights\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eClients gain from SCOR's global risk intel and local technical teams, using SCOR's 2024-25 analytics (over 1,200 catastrophe models, $17bn+ capital backing) to tighten pricing and cut claim volatility; SCOR shared risk data with 150+ partners in 2024. By late 2025, this open research program shifts SCOR from capacity provider to strategic advisor, helping clients lift combined ratios by 3-5 percentage points in pilot programs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTailored and Innovative Risk Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSCOR crafts bespoke reinsurance structures for needs from life-longevity to complex industrial property, enabling clients to transfer emerging perils not covered by standard treaties; in 2025 SCOR reported €1.3bn in P\u0026amp;C innovation-related premiums, reflecting focus on tailored solutions.\u003c\/p\u003e\n\u003cp\u003eThese customized deals help clients manage unique risks and improve capital efficiency, with SCOR citing a 12% growth in structured solutions revenue in 2024-2025.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBespoke covers longevity to industrial property\u003c\/li\u003e\n\u003cli\u003eAddresses perils outside standard treaties\u003c\/li\u003e\n\u003cli\u003e€1.3bn 2025 innovation-related premiums\u003c\/li\u003e\n\u003cli\u003e12% growth in structured solutions (2024-2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLong-term Partnership and Reliability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSCOR emphasizes long-term partnerships, supplying consistent reinsurance capacity through cycles so clients can plan multi-year growth with confidence; through 2025 SCOR reported a combined ratio of ~98% and returned €1.2bn in net income, underscoring claims discipline and pricing stability.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eConsistent capacity in down markets\u003c\/li\u003e\n\u003cli\u003eCombined ratio ~98% (2025)\u003c\/li\u003e\n\u003cli\u003eNet income €1.2bn (2025)\u003c\/li\u003e\n\u003cli\u003eMulti-year client planning enabled\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSCOR 2025: €11.2bn GWP, €1.2bn net income, capital relief fuels premium growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR reduces cedants' catastrophe loss volatility and regulatory capital needs, enabling premium growth and better ROE; 2025 metrics: €11.2bn GWP, €1.2bn capital-relief sales, €1.3bn innovation premiums, 18% balance-sheet-efficient new business, combined ratio ~98%, net income €1.2bn.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eGross written premiums\u003c\/td\u003e\n\u003ctd\u003e€11.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCapital-relief sales\u003c\/td\u003e\n\u003ctd\u003e€1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInnovation premiums\u003c\/td\u003e\n\u003ctd\u003e€1.3bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBalance-sheet-efficient new business\u003c\/td\u003e\n\u003ctd\u003e18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCombined ratio\u003c\/td\u003e\n\u003ctd\u003e~98%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet income\u003c\/td\u003e\n\u003ctd\u003e€1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnical and Strategic Collaboration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCOR acts as a technical partner, jointly analyzing risk pools and optimizing treaty structures-underwriters and client actuarial teams communicate weekly on average, cutting settlement cycles by ~30%; by 2025 collaborative digital workspaces enable real-time data sharing, supporting files up to 10 GB and reducing model iteration time from days to hours.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Key Account Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eLarge global clients at SCOR are assigned dedicated key account managers who coordinate needs across reinsurance, life, and specialty lines and across regions, simplifying the client experience and increasing cross-sell: accounts with KAMs show 18% higher revenue per client in 2024-25. This centralized model deepens understanding of clients' strategy and, as of late 2025, remains SCOR's primary method for building C-suite trust, handling \u0026gt;60% of top-100 client interactions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProfessional Training and Knowledge Sharing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR runs seminars, webinars and technical workshops to teach clients risk management and regulatory updates, strengthening relationships by giving value beyond reinsurance; in 2025 SCOR University is the main touchpoint, logging 45,000 course completions and a 78% client engagement rate, while workshops contributed to a 12% rise in cross-sell revenue year-on-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Self-Service and Reporting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSCOR offers clients secure online portals to track treaties, file and monitor claims, and access market reports, cutting admin time and raising transparency; portal use rose 28% in 2024 and average claim-processing time fell from 21 to 12 days.\u003c\/p\u003e\n\u003cp\u003eBy end‑2025 platforms added intuitive dashboards and predictive analytics that forecast portfolio loss ratios within ±0.8 percentage points and flag high-risk treaties 72 hours earlier on average.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e28% rise in portal use (2024)\u003c\/li\u003e\n\u003cli\u003eClaim processing down 9 days (21→12)\u003c\/li\u003e\n\u003cli\u003ePredictive loss‑ratio accuracy ±0.8 pp\u003c\/li\u003e\n\u003cli\u003eHigh‑risk detection 72 hours earlier\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSCOR helps clients navigate international regulations-like evolving Solvency II adjustments and ESG reporting-reducing compliance costs and operational risk for smaller insurers that lack in-house resources.\u003c\/p\u003e\n\u003cp\u003eIn 2025 SCOR's compliance advisory, cited by 62% of mid\/small clients in internal surveys, functions as a key retention lever across its €19.5bn reinsurance portfolio.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: Solvency II updates, IFRS 17 alignment, ESG disclosures\u003c\/li\u003e\n\u003cli\u003eValue: Cuts client compliance burden; boosts stickiness\u003c\/li\u003e\n\u003cli\u003e2025 impact: 62% client reliance; supports €19.5bn portfolio\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSCOR boosts client ties: faster claims, predictive accuracy, 60% KAM coverage\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR deepens client ties via weekly underwriting syncs, KAMs covering \u0026gt;60% top-100 clients, SCOR University (45,000 completions, 78% engagement), portals up 28% (2024) cutting claims 21→12 days, predictive analytics ±0.8 pp, compliance advisory used by 62% of small\/mid clients supporting a €19.5bn portfolio.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eKAM coverage\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;60% top-100\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSCOR University\u003c\/td\u003e\n\u003ctd\u003e45,000 completions\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePortal use ↑\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaim time\u003c\/td\u003e\n\u003ctd\u003e21→12 days\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoss-ratio accuracy\u003c\/td\u003e\n\u003ctd\u003e±0.8 pp\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance advisory\u003c\/td\u003e\n\u003ctd\u003e62% clients; €19.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Reinsurance Brokerage Firms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary channel is a global network of international reinsurance brokers who handle ~70-80% of SCOR's large treaty placements, sourcing leads and running competitive bids that drive pricing and risk selection.\u003c\/p\u003e\n\u003cp\u003eIn 2025 SCOR's emphasis is on top‑tier brokers (Marsh, Aon, Willis Towers Watson) to secure higher‑margin, diversified treaties-brokered share of global reinsurance premiums was ~75% in 2024, so these relationships remain critical.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Sales and Underwriting Teams\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCOR keeps an internal sales force and underwriting experts who negotiate directly with primary insurers for large or specialized placements, enabling bespoke terms and proprietary solutions without brokers; direct channel placed ~€1.2bn in 2024 and is on track to handle 28% of facultative and treaty L\u0026amp;H volumes by late 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital B2B Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR uses proprietary and industry platforms to sell standardized reinsurance and share client data, cutting placement time by ~40% and transaction costs by ~25% on high-volume, low-complexity risks per internal 2024 metrics.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndustry Conferences and Summits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSCOR actively engages at global forums like Rendez-Vous de Septembre (Monte Carlo) and regional insurance summits, using them for C-suite networking, brand positioning, and dealmaking; these events influenced over 60% of its 2024 reinsurance renewal discussions and remain the main venue for shaping 2026 renewal tone by end-2025.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRendez-Vous de Septembre: ~3,000 attendees (2024)\u003c\/li\u003e\n\u003cli\u003eSCOR-led C-suite meetings: \u0026gt;200 in 2024\u003c\/li\u003e\n\u003cli\u003eEvents driving \u0026gt;60% of renewal negotiations\u003c\/li\u003e\n\u003cli\u003ePrimary channel for 2026 renewal tone by Dec 31, 2025\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Branch Offices\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eWith physical branches in Paris, Zurich, Singapore and New York, SCOR reaches regional markets through local offices that combine market access with on‑the‑ground underwriting and distribution; in 2025 these hubs handled a reported ~28% of group new business in life \u0026amp; health and non‑life treaty renewals.\u003c\/p\u003e\n\u003cp\u003eLocal teams supply cultural and regulatory know‑how to win business and speed claims: branches cut regional claims turn‑around by ~15% vs. centralized handling and manage key client relationships and partner networks.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePresence: Paris, Zurich, Singapore, New York\u003c\/li\u003e\n\u003cli\u003e2025 contribution: ~28% of new business\u003c\/li\u003e\n\u003cli\u003eClaims speed: ~15% faster regional handling\u003c\/li\u003e\n\u003cli\u003eRoles: underwriting, distribution, relationship mgmt\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSCOR shifts to direct sales and hubs while brokers still handle ~75% of large treaties\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR sells mainly through top reinsurance brokers (~70-80% of large treaties) and a direct sales\/underwriting channel (~€1.2bn placed in 2024; targeting 28% of L\u0026amp;H volumes by late 2025), supported by regional hubs (Paris, Zurich, Singapore, New York) that handled ~28% of 2025 new business and sped claims ~15%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003e2024-25 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrokers\u003c\/td\u003e\n\u003ctd\u003e70-80% large treaties; brokered market ~75% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDirect\u003c\/td\u003e\n\u003ctd\u003e€1.2bn placed (2024); 28% L\u0026amp;H target (late‑2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegional hubs\u003c\/td\u003e\n\u003ctd\u003e28% new business (2025); claims -15% turnaround\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEvents\/platforms\u003c\/td\u003e\n\u003ctd\u003e~60% renewals influenced (2024); placement time -40%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePrimary Property and Casualty Insurers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis segment covers insurers of homes, business and infrastructure that buy reinsurance to cover large-scale losses, from global groups like Allianz and Axa to local mutuals; by Q4 2025 P\u0026amp;C remained SCOR's largest P\u0026amp;C contributor, with cat-exposed treaties driving ~45% of P\u0026amp;C premium income and SCOR reporting €7.2bn P\u0026amp;C gross written premiums in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLife and Health Insurance Companies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCOR serves life and health insurers offering mortality, longevity, and critical-illness cover, providing reinsurance to stabilize earnings and deliver medical-underwriting expertise; in 2024 SCOR reported €4.1bn in Life \u0026amp; Health gross written premium, underscoring scale. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Captives\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLarge multinationals with captive insurers use SCOR to access global reinsurance capacity and bespoke risk solutions; captive premiums placed with SCOR exceeded €400m in 2024, supporting specialty lines like cyber and supply-chain contingent risks. By end-2025 SCOR's captive partnerships are a strategic pillar of its specialty insurance push, targeting double-digit growth versus 2023 captive revenues.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePublic Sector and Government Agencies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpscor provides governments and public entities risk-transfer solutions-catastrophe bonds alternative mechanisms-to hedge fiscal exposure from natural disasters supporting infrastructure resilience as the global disaster protection gap reached about trillion usd in remained a priority.\u003e\u003cpthese partnerships often finance post-event relief and reduce budget volatility scor issued or arranged several sovereign cat-linked deals worth over billion eur across a trend continuing into\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTargets: national, regional, municipal governments\u003c\/li\u003e\n\u003cli\u003eInstruments: catastrophe bonds, parametric covers, insurance-linked securities\u003c\/li\u003e\n\u003cli\u003e2025 context: closing ~1.2T USD protection gap\u003c\/li\u003e\n\u003cli\u003eSCOR activity: \u0026gt;1.5B EUR sovereign CAT deals (2021-24)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthese\u003e\u003c\/pscor\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMutual and Cooperative Insurers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSmaller mutual and cooperative insurers depend on SCOR for technical expertise and capital, getting tailored reinsurance and balance-sheet support that their member-driven models lack internally. As of late 2025, this segment contributed a steady ~12% of SCOR Group gross written premium, offering diversified, long-term premium income and lower volatility versus market cycles.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLong-term stability: tailored quota-share and surplus treaties\u003c\/li\u003e\n\u003cli\u003eCapital support: also retrocessional lines and solvency buffers\u003c\/li\u003e\n\u003cli\u003e2025 share: ~12% of GWP (SCOR Group)\u003c\/li\u003e\n\u003cli\u003eLower loss volatility: member-focused product mix\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSCOR: €11.3bn GWP mix - P\u0026amp;C cats 45%, L\u0026amp;H €4.1bn, captives \u0026amp; sovereigns rising\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eInsurers (P\u0026amp;C, Life \u0026amp; Health), captives, governments, and mutuals buy SCOR reinsurance for capital, cat protection, and specialty risks; 2024 GWP: P\u0026amp;C €7.2bn, Life \u0026amp; Health €4.1bn, captives \u0026gt;€400m, sovereign CAT deals \u0026gt;€1.5bn (2021-24), mutuals ~12% of GWP (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003e2024-25 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eP\u0026amp;C\u003c\/td\u003e\n\u003ctd\u003e€7.2bn GWP; cats ~45%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLife \u0026amp; Health\u003c\/td\u003e\n\u003ctd\u003e€4.1bn GWP\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCaptives\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;€400m premium\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSovereigns\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;€1.5bn CAT deals (2021-24)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMutuals\u003c\/td\u003e\n\u003ctd\u003e~12% GWP (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eClaims Payments and Technical Reserves\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSCORs largest cost is claims payments and technical reserves-premiums paid out and funds set aside for future liabilities-which in 2024 absorbed about 78% of net underwriting expenses and drove €3.6bn of reserve releases versus €2.1bn of chargebacks after major nat-cat events.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Administrative Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRunning SCOR's global reinsurance needs high-paid specialists-underwriters, actuaries, legal and corporate teams-driving personnel and admin costs that were about 47% of operating expenses in 2024; SCOR targets a 5-7% reduction in admin spend in 2025 through automation of routine tasks, aiming to save roughly €40-60m based on 2024 operating cost levels.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetrocession Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR pays retrocession premiums to other reinsurers and capital-market investors to cede part of its portfolio; in 2025 SCOR reported retrocession spend near €1.1bn, reflecting market capacity and loss activity. This cost is core to risk management, varies with global capacity pricing, and directly feeds into SCOR's client pricing decisions in late 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIT and Digital Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMaintaining secure, high-performance IT for SCOR's risk models and data storage drives major ongoing costs-cloud services, cybersecurity, and proprietary software development-amounting to roughly 7-10% of annual capex by 2025 (SCOR reported digital\/transformation spends near €200-300m in 2024-25 range).\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCloud \u0026amp; storage: scalable, 24\/7 compute\u003c\/li\u003e\n\u003cli\u003eCybersecurity: continuous threat monitoring\u003c\/li\u003e\n\u003cli\u003eProprietary software: model dev \u0026amp; maintenance\u003c\/li\u003e\n\u003cli\u003e2025 capex share: ~7-10%, €200-300m band\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Taxation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAs a global reinsurer, SCOR bears high compliance and tax costs-2024 annual report shows governance and compliance expenses contributing to SG\u0026amp;A that totaled about EUR 1.1bn, and multiple-entity maintenance raises fixed costs across jurisdictions.\u003c\/p\u003e\n\u003cp\u003eIn 2025, rising ESG reporting rules and BEPS-related tax complexity likely increase compliance spend by an estimated 5-10%, plus audit and reporting fees, legal entity upkeep, and local tax filings.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 SG\u0026amp;A governance\/compliance ~EUR 1.1bn\u003c\/li\u003e\n\u003cli\u003eEstimated 2025 compliance cost rise 5-10%\u003c\/li\u003e\n\u003cli\u003eCosts include audits, reporting, legal entity maintenance\u003c\/li\u003e\n\u003cli\u003eBEPS\/ESG rules drive incremental administrative spend\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSCOR cost snapshot: claims dominate, €1.1bn retrocession, €200-300m IT capex\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR's main costs: claims\/reserves (~78% of net underwriting spend; €3.6bn reserve releases vs €2.1bn chargebacks in 2024), personnel\/admin (~47% of Opex; targeting €40-60m savings in 2025), retrocession (~€1.1bn in 2025), IT\/digital capex (€200-300m; 7-10% capex), and governance\/SG\u0026amp;A (~€1.1bn in 2024; compliance +5-10% in 2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCost item\u003c\/th\u003e\n\u003cth\u003e2024-25 value\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaims \u0026amp; reserves\u003c\/td\u003e\n\u003ctd\u003e78% underwriting; €3.6bn releases \/ €2.1bn chargebacks\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel \u0026amp; admin\u003c\/td\u003e\n\u003ctd\u003e47% Opex; €40-60m target savings (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetrocession\u003c\/td\u003e\n\u003ctd\u003e≈€1.1bn (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT \/ digital capex\u003c\/td\u003e\n\u003ctd\u003e€200-300m; 7-10% capex\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGovernance \/ SG\u0026amp;A\u003c\/td\u003e\n\u003ctd\u003e~€1.1bn (2024); +5-10% est. (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProperty and Casualty Reinsurance Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary revenue for SCOR comes from property and casualty reinsurance premiums paid by insurers for cover against property damage, natural disasters, and liability, earned via proportional and non-proportional treaties; P\u0026amp;C premiums represented about €7.8 billion of net premiums in 2024 and remain the dominant line into 2025. Disciplined underwriting and market rate increases drove a 6-8% price-on-line rise in 2025, keeping P\u0026amp;C revenue growth positive.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLife and Health Reinsurance Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRevenue comes from reinsuring mortality, longevity and disability risks for insurers worldwide; life \u0026amp; health premiums made up about 28% of SCOR SE's total premiums in 2024, offering more stable cash flows than P\u0026amp;C lines.\u003c\/p\u003e\n\u003cp\u003eIn 2025 Asia's Health \u0026amp; Protection growth-estimated +9% year‑on‑year in premium volumes-boosts this stream, improving group diversification and reducing combined volatility.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Income and Financial Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR earns substantial investment income from premiums held before claims, including bond interest, equity dividends, and capital gains; investment yield rose to about 2.8% in H1 2025 versus 1.6% in 2021, driven by higher rates on its €30-35bn fixed-income portfolio. By late 2025, net investment result contributed roughly €1.1bn YTD, bolstering underwriting margins and reserve coverage.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFee-Based Risk Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSCOR earns secondary, non-risk-bearing revenue by selling consulting, risk-modeling and actuarial software to third parties, leveraging in-house expertise; these services generated about €120m in fees in 2024 and target +15% revenue growth in 2025 as demand rises.\u003c\/p\u003e\n\u003cp\u003eIn 2025 SCOR is scaling offerings to corporates for climate-risk analysis, capitalizing on a market where 62% of large firms plan to buy climate-risk services this year.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e€120m fees in 2024; +15% target 2025\u003c\/li\u003e\n\u003cli\u003eNon-risk-bearing, margin-accretive income\u003c\/li\u003e\n\u003cli\u003eActuarial software, models, consulting\u003c\/li\u003e\n\u003cli\u003eTargeting corporates for climate-risk analysis\u003c\/li\u003e\n\u003cli\u003e62% of large firms plan purchases in 2025\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAlternative Capital Management Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSCOR earns management fees for overseeing third-party capital in its insurance-linked securities and sidecars, letting it monetize underwriting expertise without using its own balance sheet; by end-2025 these fees contributed roughly 6-8% of group revenues, up from ~4% in 2022.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFees from ILS and sidecars\u003c\/li\u003e\n\u003cli\u003eMonetizes underwriting expertise\u003c\/li\u003e\n\u003cli\u003ePreserves balance-sheet capacity\u003c\/li\u003e\n\u003cli\u003eEstimated 6-8% of revenues by end-2025\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSCOR 2024-25: P\u0026amp;C €7.8bn lead, Life 28%, €1.1bn investments, ILS fees 6-8%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSCOR's 2024-25 revenue mix: P\u0026amp;C reinsurance ~€7.8bn (dominant), Life \u0026amp; Health ~28% of premiums, investment income ~€1.1bn YTD 2025 (2.8% yield), consulting\/software €120m (2024) targeting +15% in 2025, ILS\/sidecar fees ~6-8% of group revenues by end‑2025.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eStream\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eP\u0026amp;C premiums\u003c\/td\u003e\n\u003ctd\u003e~€7.8bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLife \u0026amp; Health\u003c\/td\u003e\n\u003ctd\u003e~28% premiums\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestment income\u003c\/td\u003e\n\u003ctd\u003e~€1.1bn YTD 2025 (2.8%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eConsulting\/software\u003c\/td\u003e\n\u003ctd\u003e€120m (2024), +15% target 2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eILS\/sidecar fees\u003c\/td\u003e\n\u003ctd\u003e6-8% revenues (end‑2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57354818289995,"sku":"scor-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/scor-canvas-business-model.webp?v=1779158826","url":"https:\/\/valuechainanalysis.com\/products\/scor-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}