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

鶹ýapp Global Corporate & Specialty consists of the globally operating company 鶹ýapp 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.

Service provider within the meaning of § 5 para. 1 of the German Telemedia Act for e-mails and the internet presence at commercial.allianz.com is
鶹ýapp Global Corporate & Specialty SE.

We secure your future – the common purpose that inspires and motivates all 鶹ýapp 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 鶹ýapp 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:

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:

With the SpeakUp@鶹ýapp tool, 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 SpeakUp@鶹ýapp tool, 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.


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 SpeakUp@鶹ýapp Tool. 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 SpeakUp@鶹ýapp Tool, 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:

鶹ýapp Global Corporate & Specialty SE
Global Head of Compliance
Dieselstraße 8
85774 Unterföhring

  • 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)

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

Please find relevant information in the applicable Verfahrensordnung (SpeakUp@鶹ýapp Rules of Procedure) as aligned with the AGCS Human Rights Officer.

This tool can be used for all whistleblowing matters concerning any AGCS branch or subsidiary.

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:

鶹ýapp Global Corporate & Specialty SE
Global Head of Planning, Analytics & Governance
Dieselstraße 8
85774 Unterföhring

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

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).

For claims specific issues please click here.

鶹ýapp 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 “鶹ýapp Global Corporate & Specialty (AGCS)”, please inform us at agcs.psm@allianz.com.

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'鶹ýapp 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 鶹ýapp habituel, puis à informer immédiatement 鶹ýapp Commercial en envoyant un message à l’adresse suivante : agcs.psm@allianz.com

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

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

We would like to draw your attention to a recent case of fraud in France that prompts increased vigilance. Fraudsters are impersonating employees, misrepresenting 鶹ýapp and 鶹ýapp 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 鶹ýapp representative and immediately inform 鶹ýapp Commercial by sending a message to the following address: agcs.psm@allianz.com

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

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

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 “鶹ýapp 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 “鶹ýapp Asigurari Romania” within the 鶹ýapp 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 agcs-legal-compliance@allianz.com 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 "鶹ýapp Global Corporate & Specialty (AGCS)”.

Clone Firm Alert

鶹ýapp 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:




Please be informed that these are not genuine 鶹ýapp 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 anti-fraud@allianz.com.

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

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

For further information on compliance for specific 鶹ýapp Commercial countries, please click here.