ERGO is one of the major insurance groups in Germany and Europe. Worldwide, the Group is represented in over 30 countries and concentrates on Europe and Asia. ERGO offers a comprehensive spectrum of insurance, provision and services. In its home market of Germany, ERGO ranks among the leading providers across all segments. About 46,000 people work for the Group, either as salaried employees or as full-time self-employed sales representatives. In 2013, ERGO recorded a premium income of 18 billion euros and paid out benefits to customers amounting to 17 billion euros. Our customers determine our actions. ERGO is strictly geared towards the wishes and needs of its customers and intends to constantly improve further in close dialogue with consumers. We are implementing our claim To insure is to understand€ in the form of offering needs-based advice which understands and picks up on customers' personal concerns, in addition to communicating in a clear and understandable way and providing innovative services and swift support in the event of damage or loss. Our customers can choose which form of contact with ERGO suits them best. We have the right sales channels for every client. Self-employed insurance agents, staff working in direct sales, as well as insurance brokers and strong cooperation partners €“ both in Germany and abroad €“ address private customers and corporate clients. We maintain partnerships with the major European bank UniCredit Group and other banks, both in Germany as well as in various European countries. ERGO is part of Munich Re, one of the leading reinsurers and risk carriers worldwide. Within the Group, ERGO is the specialist in primary insurance, i.e. for insuring private and corporate customers directly, both in Germany and abroad. The Group's investments of 210 billion euros, of which 126 billion euros is accounted for by ERGO, are managed primarily by the joint asset management and fund company MEAG. Imprint: www.ergo.com/en/Anbieter