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Due to increasing insurance rates, Switzerland-based Zurich Insurance Group Ltd. has dropped its global aggregate catastrophe treaty and is retaining the additional risk on its balance sheet, Reinsurance News reported. However, the insurer still maintains three towers of reinsurance coverage across its business, specifically for rest of world all perils, U.S. all perils and Europe all perils. It has also added new layers to each of the three towers, including a new $300 million top cat layer.