• Zurich Insurance Group average operating margin for 2015 was 7.37%, a 13.4% increase from 2014.
• Zurich Insurance Group average operating margin for 2014 was 8.51%, a 7.45% decline from 2013.
• Zurich Insurance Group average operating margin for 2013 was 7.92%, a 7.58% increase from 2012.

Operating margin can be defined as operating margin measurement of what proportion of a company's revenue is left over after paying for variable costs of production such as wages, raw materials, etc.