Sustainability
Sustainable insurers: what to look for
ESG, transparency, and real impact: how to spot responsible providers.
Sustainability has arrived in insurance, but not every provider is serious about it. If you want truly sustainable coverage, look beyond a green label. This guide explains which criteria are credible.
1. Investments are the biggest lever
Insurers invest premium funds in capital markets. Sustainable providers apply ESG criteria to their portfolios.
Ask for clear exclusion lists and measurable impact goals.
- Public ESG policy
- Exclusions (coal, weapons, etc.)
- Impact or transition strategies
2. Product design and incentives
Sustainability also shows up in product logic: does the policy encourage sustainable behavior? Are there incentives for prevention or repair?
Modern policies often prioritize repair over replacement.
- Repair and prevention programs
- Rewards for sustainable behavior
- Transparent terms and conditions
3. Transparency over greenwashing
Credible insurers publish sustainability reports and concrete targets. Marketing claims alone are not enough.
Check whether KPIs are verifiable.
- Reports with KPIs
- External ratings or audits
- Measurable targets and progress
4. Customer service still matters
Sustainability should not come at the cost of service. Poor support during a claim undermines trust.
Strong providers combine environmental responsibility with high customer satisfaction.
- Service quality and accessibility
- Digital processes and transparency
- Customer satisfaction and complaints
5. Compare sustainability
Comparison pays off: some providers are clearly more sustainable in certain lines of business.
Neutral advice helps weigh criteria objectively.
- Compare ESG ratings
- Consider differences by line of business
- Define your own priorities
Sustainability checklist
Conclusion
You recognize sustainable insurers by actions, not claims. If you review investments, product logic, and service, you’ll find providers with real responsibility.