Scor SE

XMUN:SDRC

Business Description

Sector

Financials

Industry

Insurance

Headquarters

France FR

Employees

3 610

IPO date

Jan 1, 1989

Scor SE is a global reinsurance company. It sells insurance protection to other insurers and reinsurers, helping them share the risk from large losses such as natural disasters, accidents, and long-term life and health claims. In simple terms, Scor sits behind insurance companies and gives them a way to offload part of the risk they underwrite.

The company makes money by charging premiums for that risk coverage and by managing the investments tied to those insurance liabilities. Its customers are mainly property and casualty insurers, life insurers, and other risk carriers that need a partner to take on part of their exposures. Scor also works with brokers and large commercial clients that buy reinsurance through the insurance market.

What makes Scor’s business model distinct is that it is not selling policies to individual consumers. It is a specialist wholesale risk partner that helps keep the broader insurance system stable by spreading risk across many countries and types of coverage. That role depends on deep actuarial expertise, disciplined risk selection, and the ability to pay claims when major events happen.