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From risk to resilience: reshaping insurance for tomorrow

Insurance is changing fast. Climate shocks, cyber threats, and AI disruption are reshaping how insurers operate. As risks rise and competition intensifies, the most forward-looking players are moving beyond risk management to embed resilience at the heart of their business.

At Zühlke, we deliver insurance technology solutions people love — intelligent, embraced across the business, that turn investment into measurable impact. 

With proven history in complex environments & engineering as our DNA – we get things right the first time. Our track record with major global insurers and industry expertise ensures reliable, scalable solutions built around real client needs.

We believe in long-term, trust-based partnerships. By working strongly embedded in your teams, sharing risks openly, and fostering transparent collaboration, we build resilience into every aspect of your business — ensuring smooth adoption, proactive risk mitigation, and lasting value. 

Together, we shape the future of insurance: resilient, intelligent, and ready for what’s next.

Insight

Executive agenda: four strategic shifts redefining Insurance

Discover how insurers can turn disruption into opportunity by embracing four strategic shifts shaping the future of the industry — and how putting resilience at the heart of business models, technology, and mindsets can build a stronger, future-ready insurance sector.

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Let’s shape a more resilient future of insurance.

The strategic market shifts redefining the industry are no longer just abstract trends. They are imperatives insurers must act on.

We support you in navigating this transformation with bespoke, engineering-led digital solutions designed for impact, speed, and leveraging technology where it matters most, enabling future-ready business models.

  • From coverage to prevention

    Insurers are moving beyond policy-driven models toward prevention-focused offerings, creating well-being ecosystems and resilience services.  

    To harness this shift, insurers must build new capabilities that go beyond technology, combining data, strategy, and modern operating models to make prevention both effective and profitable. 

    We bring a unique blend of end-to-end offerings and cross-industry expertise to turn prevention into scalable, trusted solutions: 

    • Strategy and business consulting: from digital transformation to digital products and customer-centric design 
    • Device and system innovation: smart AI-connected solutions 
    • Next-gen intelligent data ecosystems: scalable platforms with seamless integration, real-time analytics, and AI-driven insights
    • Proactive risk prevention with AI and IoT: predict and prevent claims before they occur 

    Discover how we created a virtual resident that simulates human presence to deter burglars. 

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Some of our insurance clients

    • Case studies from the insurers embracing change

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    AI

    AI chatbot increases efficiency: 95% accuracy with half the effort

    UNIQA set out to transform how agents access critical information. We co-created an AI-powered chatbot that delivers instant answers and 24/7 sales support. With Zühlke, they now search less and respond faster, a breakthrough that earned the Microsoft Visionary Award 2024. 

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    Gain insurance industry insights from our people, partners, and peers

    Explore our latest research, insights, and perspectives on the most important trends and opportunities in Insurance.

    Featured in  

    Explore our experts’ insights in top publications shaping the industry.

    Insurtech Insights - AI in Insurance: From digital optimisation to business reinvention

    See how AI transforms claims handling by analysing photos, checking policy details and detecting potential fraud almost instantly.

    Discover more

    HZ Insurance - Technological progress makes new business models possible

    Understand why many insurers lack a unified strategy to fully harness AI’s potential. (Available in German) 

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    HZ Insurance - Insurers as pioneers in the fight against climate risks 

    Learn how insurers are using technology and prevention to tackle climate change and redefine their role. (Available in German)

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    HZ Insurance - How AI can help modernise your core systems

    Discover why Swiss insurers are refocusing on their core business as innovation drives the renewal of core systems. (Available in German)  

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    Gartner® recognises Zühlke's insurance domain expertise.

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    Our partners in driving insurance digital transformation 

    Our partners extend our impact. Working together with global technology leaders, we combine cutting-edge capabilities with deep industry expertise to create secure, scalable solutions that deliver lasting value. 

    • Meet the insurance team

    Accelerate your insurance transformation with Zühlke.

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