苏黎世保险前九月财产险保费421亿美元增7%：寿险保费286亿美元、偿付能力比率271%
苏黎世保险集团（Zurich Insurance Group）于2026年11月12日发布前九个月业务更新。公司称，财产与意外险总签单保费按同口径计算增长7%，至421亿美元；按美元计增长8%。
公司称，财产与意外险增长受零售业务费率上调支持；其中商业保险保费增长5%，全球特种险增长9%，美国建筑相关业务在基础设施与科技项目带动下增长17%。
寿险总签单保费为286亿美元，按同口径计算增长3%，按美元计增长7%。公司称，保障型与投连型保费增长较强，部分被西班牙低利润储蓄型产品保费下降抵消。
由保户持有、由苏黎世提供服务的 Farmers Exchanges 总签单保费增长4%，至235亿美元，公司称其受保单数量增长推动，前九个月保单数增加342,000份。
截至2026年9月30日，苏黎世的瑞士偿付能力测试（SST）比率估计为271%，高于6月30日的266%。公司称，其于2026年10月完成了对特种险公司 Beazley 的收购，并将于11月17日举行投资者日。
上述数字均出自苏黎世保险集团2026年11月12日发布的业务更新。
Zurich Nine-Month Property and Casualty Premiums Rise 7 Percent to $42.1 Billion
Zurich Insurance Group published its update for the first nine months of 2026 on November 12, 2026. The group said property and casualty gross written premiums rose 7 percent on a like-for-like basis to $42.1 billion, and 8 percent in U.S. dollar terms.
The company said higher rates in its retail business supported the property and casualty performance. Commercial insurance premiums rose 5 percent, with global specialty up 9 percent, led by construction business in the United States, which grew 17 percent on infrastructure spending and technology-related projects.
Life gross written premiums were $28.6 billion, up 3 percent like-for-like and 7 percent in U.S. dollar terms, as strong growth in protection and unit-linked premiums was partly offset by lower-margin savings products in Spain.
At the Farmers Exchanges, which are owned by policyholders and served by Zurich, gross written premiums rose 4 percent to $23.5 billion, driven by policy-count growth, with the policy count up by 342,000 over the nine months.
Zurich's estimated Swiss Solvency Test ratio stood at 271 percent at September 30, 2026, up from 266 percent at June 30. The company said it completed the acquisition of specialty insurer Beazley in October 2026 and will hold an investor day on November 17.
All figures are from Zurich Insurance Group's business update published on November 12, 2026.
来源：苏黎世保险集团
发布：GSM·美国（发布链接）
图片来源：苏黎世保险集团总部大楼。／The Zurich Insurance Group head office in Zurich.（Marco Zanoli，CC BY-SA 3.0，Wikimedia Commons）
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