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Compliance

With the trade name Allianz Commercial Allianz Group brings together the large corporate insurance business of Allianz Global Corporate & Specialty (AGCS) and the commercial insurance business of national Allianz Property & Casualty entities serving mid-sized companies.

Allianz Global Corporate & Specialty consists of the globally operating company Allianz Global Corporate & Specialty SE, registered in Munich, Germany, and is embedded in a network of various branches and companies in Europe, North and South America, Asia and South Africa.

 Structure & history

Allianz Global Corporate & Specialty (AGCS)

We secure your future – the common purpose that inspires and motivates all Allianz Global Corporate & Specialty employees around the world to give our best to serve our customers, partners, shareholders, every day.

Introduced in 2006, our Code of Conduct has lived through some changes, the latest in 2020, but one thing has remained constant: Our commitment to running our business in an ethical and compliant way and with integrity. This is how we have earned and maintained the trust of our stakeholders.

The Code of Conduct is a key document for everyone working at Allianz Global Corporate & Specialty. It describes our organization’s core values and principles, and helps us to make the right decisions in our daily business.

You may find our Code of Conduct here:

Code of conduct / desktop version
Code of conduct / mobile version
Supplier code of conduct

At Allianz Commercial, we recognize the importance of human rights as both a value-based topic and a business matter supporting and respecting the protection of international human rights and combating human rights abuses of any kind.

This policy statement is based on the requirements of the German Supply Chain Act (§ 6 (2)). It covers the due diligence processes within our own business operations and supply chain and applies solely to Allianz Global Corporate & Specialty SE.

Human Rights Policy Statement
Modern Slavery Act Statement

Doing the right thing to secure your future

At AGCS, we are stronger together. We lean on our strong values and principles. We treat each other with respect, we act with integrity, are transparent and tell the truth.

We give the highest priority to compliance with legal, regulatory and internal requirements. When violations are detected at an early stage, appropriate actions can be taken to prevent or mitigate damages to customers, employees, business partners and the company itself.

If you have information about an act of wrongdoing or violation of rules at AGCS, you can report your concern via our online reporting channel:

Allianz Whistleblowing Solution

With the Allianz Whistleblowing Solution, we offer a simple way to report concerns. The tool fully protects your identity. We make sure that each reported incident is dealt with by our independent examiners in an impartial and effective way.

Based on your report, we can contribute to stopping any potential violations, help the people affected and improve our prevention measures. It also helps us to minimize the risks of future wrongdoings. 

You can use the Allianz Whistleblowing Solution, or any of the other reporting channels listed below, if you have information that AGCS or any of its suppliers violate any laws, regulations or internal rules. 

The incidents you can report include e.g.: 

  • fraud, theft or corruption 
  • antitrust violations and potential conflict of interest
  • financial irregularities or breaches of accounting or tax provisions
  • discrimination, harassment, harmful working conditions and other breaches of human rights
  • severe environmental damage

Please note that this channel of communication is not intended for complaints that do not reflect an act of wrongdoing or a violation of external or internal requirements. For further information on how to submit a complaint, please see the section on complaints below.

Investigations

AGCS examines all submitted messages and ensures that they remain confidential and that all involved parties are treated equally.

Please be advised that your message can only be investigated if it contains sufficient information. As such, we ask you to provide as many details as possible. If you do not have access to detailed information, this does not prevent you from voicing your concerns.

It is useful for our investigations team if you provide your name and/or an e-mail address when submitting a report.  If you would prefer to remain anonymous, however, we will respect your decision and your concern will still be investigated.

When making a report, we encourage you to set up an electronic mailbox in the Allianz Whistleblowing Solution. This will enable us to contact you and if necessary, request further information to support with our investigation.

Where we are able to contact you via e-mail or through the electronic mailbox in the Allianz Whistleblowing Solution, we will confirm receipt of a report within 7 days.

Confidentiality and anonymity

Your information will be treated confidentially. We take appropriate steps to make careful use of all information received, and to safeguard the interests of all involved persons. Reports will only be disclosed to the extent necessary to investigate an allegation or where disclosure is required in connection with applicable legal or regulatory proceedings. All data provided is processed in accordance with applicable data privacy requirements.

Zero tolerance for retaliation

AGCS does not tolerate any form of actual, threatened or attempted retaliation against anyone who submits a report in good faith or anyone who assists with investigations arising from such reports. This remains the case even in cases where an investigation does not confirm the allegations made.

If you would prefer not to use our reporting tool, you may send your concerns:

  • Via courier to the following address:

Allianz Global Corporate & Specialty SE
Dieselstraße 8
85774 Unterföhring
Germany

or for AGCS South Africa:

Allianz Global Corporate & Specialty South Africa
Head of Legal and Compliance
The Firs, 2nd Floor, 32A Cradock Avenue,
2196 Rosebank Johannesburg
South Africa

or for Allianz Risk Transfer AG

PRIVATE and CONFIDENTIAL
Allianz Risk Transfer AG
Head of Compliance
Postfach
8010 Zurich
Switzerland

  • In-person directly to the Compliance Department

Concerns may also be reported externally to your relevant competent authority (i.e. local regulatory authority).

Reporting to external authorities

The German Government has defined the following authorities that accept reports on misconduct as external reporting channels:

  • Federal Office of Justice (Bundesamt für Justiz)
  • Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht)
  • Federal Competition Authority (Bundeskartellamt)

Reporting violations of human rights and environmental-related standards

As per the German Supply Chain Act, AGCS encourages anyone to report violations of human rights and environmental related standards.

Please find relevant information in the applicable Verfahrensordnung (Allianz Whistleblowing Solution of Procedure) as aligned with the AGCS Human Rights Officer.

Allianz Whistleblowing Solution rules of procedure
Allianz Whistleblowing Solution
This tool can be used for all whistleblowing matters concerning any AGCS branch or subsidiary.

General Complaints

It is our aim to provide the highest possible standard of service. If, for any reason, you are not satisfied with the service you receive from us, you should contact the intermediary who arranged your insurance or your appropriate AGCS point of contact.

Alternatively, you may contact us in at writing at:

Allianz Global Corporate & Specialty SE
Global Head of Sales Strategy and Governance
Dieselstraße 8
85774 Unterföhring
Germany

via e-mail: [email protected] [Please note: The email address is not applicable for the Spain and North America regions complaints.]

For specific local complaints please contact the respective AGCS branch or subsidiary.

Visit your country page
If you are not satisfied with our response, you may be able to refer your concern to the relevant competent authority (i.e. local regulatory authority).

Claims

For claims specific issues please click below.
Claims reporting services

Indication of suspicious or fraudulent activities

Allianz Global Corporate & Specialty SE (AGCS) takes a zero tolerance approach towards fraud and considers any attempt to commit fraud a serious offence.

AGCS maintains and enforces an Anti-Fraud Compliance Program to effectively manage the risk of fraud by:  

  • Fostering a culture of anti-fraud awareness through regular communication and training
  • Performing an annual fraud risk assessment to understand our exposure to fraud
  • Implementing and enhancing control measures to prevent and detect fraud
  • Conducting appropriate investigations on suspected fraud and other misconduct

We believe that everyone has a role to play in maintaining vigilance towards preventing and detecting fraud, and take all information regarding suspicious or fraudulent activities very seriously.

Please inform us via the Voice Your Concerns process if you suspect fraud or other misconduct. If you suspect that you have been contacted or approached under the improper or suspicious use of the name “Allianz Global Corporate & Specialty (AGCS)”, please inform us at [email protected].

France

French

Nous attirons votre attention sur un cas de fraude récent survenu en France qui nécessite une vigilance accrue. Les fraudeurs se font passer pour des employés, donnent une fausse image d'Allianz et de ses produits et falsifient des documents commerciaux dans le cadre de leurs activités criminelles pour tenter d'escroquer de l'argent.

Si vous pensez avoir été victime de ces agissements, n'hésitez pas à vous rapprocher de votre interlocuteur Allianz habituel, puis à informer immédiatement Allianz Commercial en envoyant un message à l’adresse suivante : [email protected]

Nous vous recommandons également, même en l’absence de préjudice, de contacter l’un des sites gouvernementaux en charge de recenser ces cas :

https://internet-signalement.gouv.fr/

https://www.cybermalveillance.gouv.fr/

https://signal.conso.gouv.fr/


Les signalements sont utiles pour empêcher d’autres tentatives d’escroquerie.

English

We would like to draw your attention to a recent case of fraud in France that prompts increased vigilance. Fraudsters are impersonating employees, misrepresenting Allianz and Allianz products as well as forging commercial documents in their criminal activities to attempting to defraud people of their money.

If you believe that you have been a victim of this type of fraud, please contact your usual Allianz representative and immediately inform Allianz Commercial by sending a message to the following address: [email protected]

We also recommend that, even if no harm has been done, you contact one of the government sites responsible for recording such cases:

https://internet-signalement.gouv.fr/

https://www.cybermalveillance.gouv.fr/

https://signal.conso.gouv.fr/


Reporting cases is a useful way of preventing further attempts at fraud.

Hong Kong

English

We would like to draw your attention to a fraud case potentially happened recently that prompts increased vigilance. Fraudsters are impersonating third parties, uploading false news via several popular social media platforms in China, in order to create a false impression that Allianz is a business partner financially supporting an online investment platform hosted by some unknown entities.  We believe the ultimate purpose of those fraudsters is to attempt to defraud people of their money.

If you believe that you have been a victim of this type of fraud (regardless if any harm has been done or not), please contact your usual Allianz representative and immediately inform Allianz Commercial by sending a message to the following address: [email protected] as well as to report your case to the law enforcement bodies in relevant jurisdiction as appropriate (i.e. usually will be where your place of residence).

Reporting cases is a useful way of preventing further attempts at fraud.

Traditional Chinese

我們想提醒您關注最近一宗疑似詐騙事件並增加警惕。騙徒正在冒充第三方，在中國多個熱門社交媒體平台上傳虛假消息，以營造安聯為一些不明來歷的線上投資平台經營者提供商業夥伴的財務支持等不實資料。我們相信這些騙徒的最終目的是試圖詐騙受害者的金錢。

如果您認為自己是這宗詐騙事件的受害者（無論是否造成任何損害），請聯繫您的ALLIANZ代表，並立即通知ALLIANZ COMMERCIAL發送消息至以下地址： [email protected], 同時根據情況向相關司法管轄區的執法機構，同時根據情況向相關司法管轄區的執法機構 (通常是您的居住地)報告您的案件。

報告案例是防止進一步詐騙事件的有效方式。

Simplified Chinese

我们想提醒您注意最近一宗疑似诈骗事件并提高警惕。骗徒正在冒充第三方，在中国多个热门社交媒体平台上传虚假消息，以营造安联为一些不明来历的线上投资平台经营者提供商业伙伴的财务支持等不实资料。我们相信这些骗徒的最终目的是试图诈骗受害者的金钱。

如果您认为自己是这宗诈骗事件的受害者（无论是否造成任何损害），请联系您的ALLIANZ代表，并立即通知ALLIANZ COMMERCIAL发送消息至以下地址： [email protected], 同时根据情况向相关司法管辖区的执法机构（通常是您的居住地）报告您的案件, 同时根据情况向相关司法管辖区的执法机构（通常是您的居住地）报告您的案件。

报告案例是防止进一步诈骗事件的有效方式。

India

Allianz Global Investors

Please be aware of a fraudulent scheme in which the name "Allianz Global Investors" has been impersonated to offer financial services that are part of a scam. In this fraud attempt, publicly available information from Allianz Commercial, including office addresses and office images, was used to create a legitimate appearance.

Please be advised that Allianz Commercial has no connection to these fraudulent activities. For further information, please refer to the official warning from Allianz Global Investors: Fraud Warning

Allianz

Allianz Global Corporate & Specialty (AGCS) has been made aware of the unauthorised use of the Allianz logo and our branch address to offer fake investment products, network marketing, lucrative returns in return for the purchase of products and tricking victims into transferring funds.

These schemes are being advertised via WhatsApp groups, Facebook, Instagram or other social media platforms using the Allianz logo or email accounts. AGCS India Branch does not offer any such investment products and does not sell products to the general public. AGCS India Branch is not associated with such individuals nor has it authorised the use of its logo, brand name or branch address. 

AGCS India Branch has also become aware of a fake website which is using our details, including the company logo and the address of the India branch office.

Please be informed that this is not a genuine Allianz website.

If you have been made aware of such fraudulent schemes, please forward the information to [email protected]

AGCS India Branch encourages you to report such matters to the local authorities if you believe you may have been a victim of such a scam. 

Romania

It has come to our attention that a series of fake policies and bonds have been purportedly issued by/or in relation to AGCS and/or “Allianz Asigurari Romania”.

Please note that AGCS does not operate in Romania and is not represented by any management company. There are no branches or subsidiaries of AGCS operating in Romania.

There is also no company named “Allianz Asigurari Romania” within the Allianz Group.

The names and fake signatures of AGCS personnel, and the registered address of AGCS,  have been used inappropriately without authorization. Additionally, fake business cards and email addresses have been used.

Please contact us at [email protected] if you have been approached in relation to the above scheme, suspect fraud or have been contacted under the improper or suspicious use of the name "Allianz Global Corporate & Specialty (AGCS)”.

United Kingdom

Clone Firm Alert

Allianz Global Corporate and Speciality SE has become aware of fake websites which are using our details, including our company logo and the address of our UK branch office, as follows:

www.allianz-globalcorporate.com

www.allianzglobalcorporate.org

www.allianzglobalcorporate.info

Please be informed that these are not genuine Allianz websites and we believe that the websites and the firm behind them are a clone of our firm.

The clone firm is not authorised or registered by the Financial Conduct Authority, but it has been targeting people in the UK, purporting to be our firm.

If you receive any suspicious requests, please do not respond. Please forward any suspicious approaches to [email protected].

The Financial Conduct Authority has issued a warning about this clone firm on their website. For more information click here.

Allianz Commercial

With the trade name Allianz Commercial Allianz Group brings together the large corporate insurance business of Allianz Global Corporate & Specialty (AGCS) and the commercial insurance business of national Allianz Property & Casualty entities serving mid-sized companies.

For further information on compliance for specific Allianz Commercial countries, please visit the respective websites listed here.