WE ADVISE PERSONAL AND ENDURING - Kessler€¦ · WE ADVISE PERSONAL AND ENDURING RISK MANAGEMENT INSURANCE OCCUPATIONAL BENEFITS. KESSLER ... Our flat organizational structure and

A SECURE FUTURE.

WE ADVISE PERSONAL AND ENDURING

RISK MANAGEMENT INSURANCEOCCUPATIONAL BENEFITS

KESSLER AT A GLANCE

Kessler is the leading Swiss enterprise spe-cializing in risk, insurance and pension fund consulting. Due to the know-how and experience of our staff, our innovative strength as well as our market position, we create added value in a sustainable manner for our clients from all parts of industry (i.e. service, trading and manufacturing companies as well as the public sector). Our excellent rep-utation combined with our financial success form the foundation of our long-term future as an independent family enterprise.

23%Market penetration

97%Customer retention rate

180Employees registered in the Swiss central registry of insurance intermediaries (FINMA)

275Employees

ZURICHHeadquarters

9Further sites in Switzerland and Liechtenstein

SINCE 1915Family business managed by the fourth generation

Kessler – We advise 3

CONTENTS

AT OUR CLIENTS’ SIDE 4

ABOUT KESSLER 6

SERVICES 12

CLIENTS AND ECONOMIC SECTORS 20

GLOBAL NETWORK 24

TEAM 28

4 Kessler – We adviseChristian KesslerManaging Partner

Tom Kessler Managing Partner

Martin E. Kessler Chairman of the Board of Directors

Robert KesslerMember of the Board of Directors


“ KESSLER PROVIDES PROFESSIONAL SERVICE WITH AN INTER-NATIONAL REACH COMBINED WITH LOCAL ROOTS AND PER-SONAL CONTACT. THAT IS OUR STRENGTH.“

Successful family businesses often have a seductively simple organizational structure and are notable for their long-term vision of staff, management and financial policy. This approach improves efficiency and cre-ates a special type of continuity.

Our clients benefit from that continuity. Client satisfaction is our ultimate priority: we want to understand your needs and are committed to finding the best solution for you. All of which is built around a long-term personal relationship with your advisor.

Our staff are the real key to our success. We encourage their personal development and provide targeted training. Kessler has a heart, a face and a strong corporate culture. Our staff identify strongly with the com-pany and enjoy high job satisfaction, which makes them loyal and committed – and this ultimately benefits our clients.

AT OUR CLIENTS’ SIDEFOR FOUR GENERATIONS

Martin E. Kessler Robert Kessler Tom Kessler Christian KesslerChairman of the Member of the Managing Partner Managing PartnerBoard of Directors Board of Directors

6 Kessler – We advise


ABOUT KESSLER

WE ADVISE –EXPERTS IN RISK MANAGEMENT, INSURANCE AND OCCUPATIONAL BENEFITS


OUR HISTORY

ALWAYS LOOKING AHEADWhen Johann Kessler founded his family business in 1915, he specialized in insuring cargo that was shipped all over the world. That is where our logo – a ship‘s wheel – comes from. From the very outset our clients benefited from the in-depth knowledge and practical experience of our employees, whose job it was to insure clients financially and ensure that their goods arrived safely to shore.

FOCUS ON SERVING CLIENTSKessler has grown dynamically over the years and today – in its third and fourth generation – operates primarily as a risk advisor and, secondly, as an in-surance broker. Now, like then, our mission is to give our clients financial security while helping them to navigate risk management and insurance landscapes with targeted advice and support.

Ship’s wheel from a vessel owned by the Reederei Zürich shipping company as used in the sea trial in 1952 in Hamburg. Kessler has in- sured the Sunadele and Sunamelia ships owned by the Reederei Zürich shipping company. The ship’s wheel has been Kessler’s trademark ever since – A secure future.


WHAT WE DO

Kessler is the leading Swiss company in the fields of risk management, insurance and pen-sion fund consulting. Our team, which is based in Switzerland has now grown to 275 staff and manages a good one third of the 500 largest Swiss companies from the services sector, trade, industry and the public sector.

Since it was founded, Kessler has been a family business in the best tradition of Swiss entrepreneurship. Our clients see this in the quality of our work, in the relationships of trust they have with their personal contact partners, and in the speed of our decision-making processes.

All services from a single source: – Comprehensive risk and insurance analysis

and advice – Risk and insurance policy models and

integrated solutions – Creating and placing tailored, innovative

insurance solutions – Comprehensive management spanning all

insurance sectors – Legal advice, support and assistance in the

event of a claim

– Modern risk financing, captive studies and captive management

– Due diligence and transaction solutions for company acquisitions and divestments

– Employee benefits consulting and coordination – Access via KesslerOnline – Special Risks – Leading advisor for financial lines coverages


OUR SITES

AT HOME IN SWITZERLAND – CONNECTED AROUND THE GLOBEKessler is represented throughout Switzerland and there for you wherever you are. Approximately 170 employees are based at the head office in Zurich.

To ensure that our clients receive the best possible service not only in Switzerland but international-ly, Kessler is the Swiss partner of the global Marsh Network since 1998. Headquartered in New York, Marsh is the largest globally active risk manager and insurance broker, with branches in over 100 countries.

ZURICHAARAU ST. GALLEN

BASEL

BERN LUCERNE

VADUZNEUCHÂTEL

LAUSANNE

GENEVA


A PERSONALISED SERVICE

ON AN EQUAL FOOTING WITH OUR CLIENTSOur clients and their sector-specific needs are the focus of our daily work. Teams of eight to ten special-ists focus on one particular industry and understand the sector-specific risks.

Our flat organizational structure and short deci-sion-making workflows allow us to make decisions fast and share knowledge effectively. Within the in-dividual insurance sectors, our organizational struc-

ture ensures that we keep abreast of new develop-ments and provide consistent advice to clients. At an international level, Kessler employees are repre-sented in various industry expert working groups at Marsh. The working groups develop sector-specific solutions, analyze legal and market developments, and are a source of extensive specialist knowledge. This ensures that our employees keep up to date with the latest international developments.



SERVICES

DEALING WITH RISKS MEANSIDENTIFYING, ASSESSING AND MANAGING THEM APPROPRIATELY


IDENTIFYING AND ACCURATELY EVALUATING RISKSBalanced risk management helps companies to achieve their goals. Through our risk and insurance policy, we aim to create a high yet economically viable

degree of security for our clients. “State-of-the-art” risk management requires in-depth risk identifica-tion and evaluation, and optimizes the prevention, insurance and acceptance of risks. The objective is to minimize the total cost of risk (TCOR).

RISK AND INSURANCE POLICY

SIZ

E O

F LO

SS

LOSS FREQUENCY AND PROBABILITY

Catastrophe principle: priority to transfer / insure

Line of acceptanceMore frequent and more severe losses to be avoided by constructional, technical or organizational measures (loss prevention, loss control)

Principle of interestsSelf-assumption of small frequency losses

Alternative risk fi nancing: consider relation costs/benefi t

LOW

MED

IUM

HIG

H

THE THREE RISK LEVELSTHE THREE RISKLEVELS


PLACEMENT PROCESS

ANALYSIS PLANNING PLACEMENT IMPLEMENTATION DAY-TO-DAY-SERVICE

Internal strategy, measures and data collection

Presentation of the market strategy

Negotiation with insurers, which is aided by our market strength

Issue of policy documents and insurance certificates

Continuous risk evaluation

Identification of risks

Presentation of various options for each type of cover

Comparison of quotes and our recommendation

Support with premium allocation for each business unit

Global coordinationof international programs

Benchmark analysis

Selection of appro-priate insurers for your risk types

Discussion of possible program options

Definition of claim reporting proced- ures, tailored to your needs

Feedback following renewal and correspondingadjustments

Analysis of existinginsurance policies

Agreement of objectives and time-scale

Placement as per agreement incl. obtainment of con-firmations of cover

Planning of renewal of policies

Knowledge transfer,claims manage-ment, point of contact for risk issues, legal advice for questions about insurance

ATTRACTIVE INSURANCE SOLUTIONS WITH OUR COORDINATED PLACEMENT PROCESSAs soon as the risk categories and the correspond-ing risk and insurance strategy have been defined,

we plan and implement the transfer of risks to the insurance market. We prefer to think of our service as a cycle of analysis, negotiation, placement and the continued development of your insurance policies.


EXCHANGE OF KNOWLEDGE AND EXPERIENCERegular meetings ensure ongoing knowledge ex-change and enable us to tailor your insurance solu-tions to your current needs. For this reason, we will hold a strategy meeting with you each year. Add- itional half-yearly or quarterly meetings are also held, depending on requirements.

ALWAYS UP TO DATEDuring the year we keep you up-to-date about the latest placements, renewals and premium and claims statistics. Our global network enables us to inform you of legal changes that could affect your current policies and to provide you with interna-tional benchmarking reports.

REPORTING

SECURING THE COMPETITIVE EDGE.

REPORT BENCHMARKING

SECURING THE COMPETITIVE EDGE.

REPORT RISK AND INSURANCE POLICY


OFFERING

Kessler offers individual and customized solutions for risk, insurance and pension manage-ment. We offer these services across all insurance sectors. In addition to advising and managing the insurance portfolio, we provide our clients with legal advice on all insurance issues.

INSURANCE CONSULTING – Risk and insurance policy – Insurance broking – Occupational benefits

SPECIALTIES – Special Risks – Directors & Officers Liability (D&O) – Cyber Risk – Credit, Bonds and Guarantees – ClaimsExcellence – M&A transaction-related services – Management and administration of pension

funds

KESSLER ACADEMY – Seminars for decision-makers

RISK CONSULTING – Enterprise Risk Management – Business Resilience – Alternative Risk Financing and

Business Analytics – Human Resources Risk Management


MORE THAN INSURANCE BROKINGServices from a single source form the basis of com-prehensive risk analysis and holistic insurance solu-tions. As well as our general broker services, we can also offer you the following special, customized additional services on a project basis.

SPECIAL ADDITIONAL SERVICES

ENTERPRISE RISK MANAGEMENT (ERM)ERM is a comprehensive, systematic approach to the successful management of risks. Our modu-lar goodpractice consulting approach meets all the requirements of Executive Committees and Boards of Directors.

ALTERNATIVE RISK FINANCING (ARF) AND BUSINESS ANALYTICSARF solutions are important value drivers when it comes to reducing the overall cost of risk. They combine in an efficient way the transfer of risk and the bearing of its cost by the business itself. We analyze risk costs and offer consulting services and feasibility studies for, among others, struc-tured weather solutions or captives.

HUMAN RESOURCES RISK MANAGEMENT (HRRM)When handling HR risks, systematic and com-prehensive HRRM is absolutely essential. HRRM enhances staff to performance and makes HR processes more efficient and cost-effective. Our approach to consulting covers four stages: identifying, evaluating, addressing and monitoring risks.

M&A TRANSACTION-RELATED SERVICESBuying and selling companies involves significant risks. Together with more than 150 specialists from the worldwide Marsh Network, we support you with insurance due diligence and draw up tailored M&A transaction insurance solutions for guarantees arising from the purchase agreement.

BUSINESS RESILIENCE (BR)In advising our clients on how to enhance their business resilience along the whole length of the value chain, we adopt a pragmatic approach tailored to their specific needs. Our advice focuses in particular on business interruption or cyber risks, which need to be recognized, evaluated and monitored.


KESSLER ONLINE & KESSLER APP

WELL-STRUCTURED AND ONLINEYou can access your data at any time via our web-based platform KesslerOnline. Numerous filter op-tions enable you to create overviews of all your policies, view electronic copies of your policy docu-ments or call up summaries of each individual policy.

SECURE ACCESS FROM ALL DEVICESKesslerOnline is accessible via our website. Once successfully registred, you can use KesslerOnline also via App from any mobile device. Thus, you can view your insurance data at any time and from any place.



CLIENTS AND ECONOMIC SECTORS

AT THE SERVICE OF OUR CLIENTS –WE ARE COMMITTED TO FINDING THE RIGHT SOLUTION


CLIENT STRUCTUREOf the 4,500 leading Swiss private companies and 500 public sector institutions we provide advice to around 1,150, which puts our estimated market penetration at roughly 23%.

CUSTOMER RELATIONSHIPWe have business relationships with 45 of the top 100 Swiss companies. Our customer retention rate has remained at around 97 % for over ten years.

LASTING RELATIONSHIPS

23%MARKETPENETRATION

45OF THE TOP100 COMPANIES

97%CUSTOMERRETENTION RATE


SECTOR-SPECIFIC EXPERTISE

ADVICE AND SUPPORT ACROSS ALL SECTORSAs our employees are organized in sector-specific specialist teams, we can assist our clients in all sec-tors and insurance lines. As a result Kessler’s clients are distributed across a very broad range of sectors.

20

Kessler’s clients are distributed across a very broad range of sectors.What is the sectoral breakdown of your clients?

30 %

25 %

20 %

15 %

10 %

5 %

0 %

Chemical / Life Science: 8 %Manufacturing / Industry / Food & Beverage: 21 %Construction / Power / Infrastructure / Transportation: 13 %

Trade: 10 %Financial services: 10 %Public entities / Healthcare: 12 %Services / Consultancy / Media / Hospitality: 26 %

Chemical / Pharmaceutical / Life Science: 8 % Manufacturing / Industry / Food & Beverage: 21 % Construction / Power / Infrastructure /

Transportation: 13 % Trade: 10 % Financial services: 10 % Public entities / Healthcare: 12 % Services / Consultancy / Media / Hospitality: 26 %



GLOBAL NETWORK

SWITZERLAND IS OUR HOME –GLOBALLY CONNECTED


Wir sind in der ganzen Schweiz und als Teil des Marsh Network weltweit tätig. Der Hauptsitz befindet sich in Zürich mit ca. 170 Mitarbeitenden. Grössere Geschäftsstellen befinden sich in Genf, Lausanne, Bern und St. Gallen. Insgesamt verfügen wir über 10 Standorte in der Schweiz und in Liechtenstein.

In welchen Regionenist Kessler tätig?

Ja, als Schweizer Partner von Marsh sind wir Teil des weltweit tätigen Marsh Network und haben Zugang zu Know-how und Ressourcen des weltweit führenden Anbieters im Bereich Risikoberatung und Versiche-rungsmanagement. Marsh gehört zu Marsh & McLennan Companies.

Weitere Informationen finden Sie unterwww.marsh.com und www.mmc.com.

Ist Kessler einem internationalen Versicherungsbroker-Netzwerk angeschlossen?

Risiko-, Versicherungs- undVorsorgeberatung

– Risikoerkennung und -beratung – Weltweite Versicherungslösungen – Spezialisierung auf Produkte und Branchen

– Captive-Management-Dienstleistungen – Schadenmanagement und -begleitung – Alternative Risikostrategien – Risk Consulting

Rückversicherungsservices – Risikobemessung und -bewertung – Integrierte Strategien für Optimierung,

Schutz und Einsatz des Kapitals – Weltweite Rückversicherungsplatzierung

und -strukturierung – Portfolio formen / optimieren – Kapitalmarkt und M&A-Beratung – Rating-Agentur-Beratung – ERM-Analysen – Vertrags- und Schadenmanagement

Beratung, Ausgliederung undInvestments

– Pensionierung – Gesundheit und Sozialleistungen – Humankapital-Entwicklung

– Produktlösungen – Kommunikation – Investment Consulting sowie Management – Fusionen und Übernahmen – Outsourcing

Management-Beratung – Technische, operationelle und strategische

Beratung – Finanzdienstleistungsberatung – Organisations- und Führungskräfte-

Entwicklung – Enterprise-Risk-Analysen – Markendesign und Strategie – Beratung zu aufsichtsrechtlichen

Bestimmungen – Versicherungsmathematische Beratung

Hauptsitz Zürichund Standorte Schweizund Liechtenstein

Zürich

Aarau St. GallenBasel

BernLuzern

VaduzNeuenburg

Lausanne

Genf

MarshKorrespondent

ACCESS TO THE GLOBAL INSURANCE MARKETWe use the Marsh Network to take care of the local foreign group companies of our approximately 100 Swiss multinational clients. In turn, we act as the Marsh Network’s Swiss partner and support around 500 subsidiaries of foreign companies in Switzer-land.

SECTOR-SPECIFIC ORGANIZATIONAL STRUCTUREIn addition to sharing client management, the Marsh Network is used to share knowledge. Kessler em-ployees are represented in various industry expert working groups at Marsh. The working groups de-velop sector-specific solutions, analyze legal and market developments, and are a source of extensive specialist knowledge.

MARSH NETWORK

Marsh Correspondent


MARSH & McLENNAN COMPANIES

We are the Swiss partner of the Marsh Network, which gives us access to the expertise and resources of the world leader for risk consulting and insurance management. Marsh is a subsidiary of Marsh & McLennan Companies.

MARSHRisk, insurance and pension fund consulting

– Risk identification and consulting – Global insurance solutions – Specialization in products and sectors – Captive management services – Claims management and support – Alternative risk strategies – Risk consulting

GUY CARPENTERReinsurance services

– Risk measurement and evaluation – Integrated strategies for optimizing,

protecting and using capital – Worldwide reinsurance placement

and structuring – Portfolio formation / optimization – Capital market and M&A consulting – Rating agency advisory – ERM analyses – Contract and claims management

OLIVER WYMANManagement consulting

– Technical, operational and strategic advisory – Financial services advisory – Organization and management development – ERM analyses – Brand design and strategy – Advice on supervisory provisions – Actuarial consulting

MERCERConsulting, outsourcing and investments

– Health and benefits including global benefits – Wealth and investments including pension risk

management and IFRS & USGAAP calculations – Investment consulting for institutional

investors – Workforce and career consultation including

executive compensation and talent mobility – Mergers & acquisitions including post-merger

integration



TEAM

SUCCESSFUL, THANKS TO OUR EMPLOYEES —FOR OVER 100 YEARS


HERE TO ADVISE YOU

PASCAL SCHWEINGRUBERSpecial Risks, Risk practices, Operations, Marketing

BERNARD PERRITAZFrench-speaking Switzerland, Kessler Benefits

CHRISTIAN KESSLERManaging Partner;Marsh Network, Client advisory, Finance

DOUGLAS MÜLLERHealth & Benefits, HR Risk Management

ROGER KONRADInternational, Insurance Regula-tion & Tax, Market Security

TOM KESSLERManaging Partner;Risk Consulting, IT, Human resources, Training, Logistics

DR. HELMUT STUDERGerman-speaking Switzerland, Sales, Legal & Compliance


ORGANIZATIONAL CHART

BOARD OF DIRECTORS

EXECUTIVE COMMITTEE

SUBSIDIARIES

MARTIN E. KESSLER

Chairman

CHRISTIAN KESSLER

Managing Partner

Marsh Network,

Client advisory,

Finance

KESSLER CONSULTING Inc.

Simon Künzler

TOM KESSLER

Managing Partner

Risk Consulting, IT,

Human resources,

Training, Logistics

KESSLER PRÉVOYANCE SA

Stéphane Etter

DOUGLAS MÜLLER

Member

Health & Benefits,

HR Risk

Management

KESSLER & CO Inc., FL

Riccardo Tondo

HELMUT STUDER

Member

German-speaking

Switzerland,

Sales, Legal &

Compliance

ROGER KONRAD

Member

International,

Insurance

Regulation & Tax,

Market Security

PASCAL SCHWEINGRUBER

Member

Special Risks,

Risk practices,

Operations,

Marketing

BERNARD PERRITAZ

Member

French-speaking

Switzerland,

Kessler Benefits

ROBERT KESSLER,

SIEGMUND FAHRIG,

CHRISTOPH SCHMID


OUR SITES

ZURICH (HEADQUARTER)Forchstrasse 95P.O. BoxCH-8032 ZurichT +41 44 387 87 11

AARAURohrerstrasse 102CH-5000 AarauT +41 62 825 05 05

BASELFreie Strasse 35CH-4001 BaselT +41 61 263 20 01

BERNTalstrasse 7CH-3053 MünchenbuchseeT +41 31 858 30 30

LUCERNEHabsburgerstrasse 12CH-6003 LucerneT +41 41 410 96 66

ST. GALLENFürstenlandstrasse 101CH-9014 St. GallenT +41 71 224 92 24

VADUZJosef Rheinberger Strasse 6FL-9490 VaduzT +423 231 32 32

GENEVAAvenue des Morgines 8 1213 Petit-LancyT +41 22 707 45 00

LAUSANNERue Pépinet 1P.O. Box 6648CH-1002 LausanneT +41 21 321 60 30

NEUCHÂTELRue J.-L. Pourtalès 1CH-2000 NeuchâtelT +41 32 724 83 50

CONTACT US

Kessler Insight 2017 – Risk & Insurance 33

neutralPrinted Matter

No. 01-19-461168 – www.myclimate.org© myclimate – The Climate Protection Partnership

PERFORMANCE

KESSLER & CO Inc.Forchstrasse 95P.O. BoxCH-8032 ZurichT +41 44 387 87 11www.kessler.ch

Documents

WE ADVISE PERSONAL AND ENDURING - Kessler€¦ · WE ADVISE PERSONAL AND ENDURING RISK MANAGEMENT INSURANCE OCCUPATIONAL BENEFITS. KESSLER ... Our flat organizational structure and