EXECUTIVE BIO

Celine Garnier

TITLE: HEAD OF UNDERWRITING FOR LIABILITY AND MOTOR FLEETS

COMPANY: ZURICH FRANCE

Céline began her career in 1995 at Sorema (Groupama), first as a technical manager for all lines of business and then as deputy manager of the facultative large risk management department. In 2001, she joined Groupama as a general and professional liability underwriter for the Groupama and Gan networks. She joined AIG in 2007 as a liability underwriter in the middle market, and was promoted to team manager in 2012. In 2016, she joined Chubb as a liability underwriting manager. In 2018, she joined Zurich France as Head of Underwriting for Liability and Motor Fleet.

Zurich France: driving change in insurance risk resilience

technology, there are more traditional risks of inflation, cost of living, social unrest, and geopolitical confrontations that must be considered.

Vinicio Cellerini, Head of CI Customer & Distribution of Zurich Insurance Group, also assuming the interim operational management of Zurich France, says the findings of the Global Risk Report show that companies and entities must work together to overcome these problems.

“In 2023, we’ve faced risks that are at the same time both new and familiar. We’re experiencing a return of older risk, such as inflation, the cost of living crisis, and widespread social unrest and geopolitical confrontation. But also, at the same time, there is the threat of nuclear warfare. The most critical long-term risk, though, is climate change, according to the report this year.

“If we want to dig a bit deeper into the report, then you will see that the cost-ofliving crisis is clearly ranked as the most severe global risk over the next two years, though it’s also seen as the short-term threat.”

Cooperation and partnerships to combat biodiversity loss and ecosystem collapse is, espouses Cellerini, essential, because it’s viewed as one of the fastest accelerating global risks over the next decade.

“Clearly, failure of climate mitigation and climate adaptation are the largest long-term concerns. Regarding geopolitical rivalries and new world looking stances, we can expect that they will heighten economic constraints and further exacerbate both short and longterm risks. The Global Risks Report urges countries to work together to avoid resource rivalries. This is what was really important to us regarding global risk this year.”

Vinicio Cellerini

TITLE: GLOBAL HEAD OF CUSTOMER AND DISTRIBUTION MANAGEMENT

COMPANY: ZURICH FRANCE