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CLIMATE ACTIVISTS TARGET REINSURERS AT BADEN-BADEN CONFERENCE
OKA ADDS APOLLO AND HISCOX TO LINESLIP FOR COMPLIANCE CARBON MARKET RISKS
LLOYD'S PILOTS DISASTER RISK FINANCING VEHICLE IN PACIFIC WITH UN AGENCY AND AON
LMA’S DAVENPORT: UPSKILLING NEEDED TO BE ABLE TO UNDERWRITE TRANSITION PATHWAYS
The underwriting demands of the energy transition will require upskilling among
managing agents to be able to identify and understand what a credible transition
plan looks like, according to Paul Davenport of the Lloyd’s Market Association.
--------------------------------------------------------------------------------
SWISS RE AND CHUBB TARGETED IN SECOND DAY OF CLIMATE PROTESTS
Members of Extinction Rebellion’s Insure Our Survival campaign have blockaded 30
St Mary Axe – also known as the Gherkin – in the second day of targeted action
against the UK insurance sector’s alleged involvement in new fossil fuel
infrastructure.
--------------------------------------------------------------------------------
LATEST NEWS
AVIVA UNVEILS CARBON REMOVAL FUND TO SUPPORT SCALING COMMERCIAL NATURE
INVESTMENTS
AXA XL LOOKS TO BOLSTER CYBER RISK CONSULTING TEAM FOR ENERGY TRANSITION
BUSINESS
SIX CLIMATE DEMONSTRATORS ARRESTED IN WTW PROTEST
UK INSURERS FACE FIRST DAY OF PROTESTS OVER FOSSIL FUEL UNDERWRITING
PRE-ARRANGED FINANCING RATIONALE IS ROBUST, BUT FEW EXAMPLES OF TRANSFORMATIONAL
IMPACT: CDP
MANUFACTURING FIRM CALLS FOR INSURANCE SOLUTION COVERING CARBON CAPTURE SUPPLY
CHAIN
OKA ADDS APOLLO AND HISCOX TO LINESLIP FOR COMPLIANCE CARBON MARKET RISKS
Welcome to this month's edition of Sustainable Insurer, your digest of important
developments in the insurance industry’s transition towards a more sustainable
future.
Download full edition
MORE NEWS
IAIS NAMES CLIMATE, INNOVATION AND RESILIENCE AS PRIORITIES IN 2025-29 STRATEGIC
PLAN
CLIMATE ACTIVISTS TARGET REINSURERS AT BADEN-BADEN CONFERENCE
IDF APPOINTS AXA’S WHALLEY AND GC’S LUX TO CO-CHAIR SOVEREIGN AND HUMANITARIAN
WORKING GROUP
INSURERS FAILING TO INNOVATE AT PACE AND SCALE NEEDED FOR TRANSITION PRODUCTS:
REVIEW
HOWDEN URGES INSURERS TO DRIVE “STEP CHANGE” IN NATURE AND BIODIVERSITY
PROTECTION
CFC PARTNERS WITH SYLVERA TO REFINE AND EXPAND CARBON INSURANCE PRODUCT SUITE
NATIONAL UNION OF STUDENTS UK BACKS NEW INSURE TOMORROW CAMPAIGN
DE-RISKING THE TRANSITION: THE NEED FOR CLARITY IN RISK APPETITE
ESG DATA UNLIKELY TO IMPACT PRICING BUT WILL INFORM MORE BESPOKE RISK PROFILE:
PANEL
ROAD TO NET ZERO
slide 5 to 8 of 12
1. PPMI MEMBERS ADOPT IMO TARGET FOR NET-ZERO SHIPPING BY 2050
Members of the Poseidon Principles for Marine Insurance have unanimously
agreed to align with the International Maritime Organization’s revised
target to achieve net-zero by 2050.
2. CARBON INSURANCE: DISTINCT PRODUCT CATEGORIES EMERGE AS MARKET EXPANDS
With several carbon insurance products announced in recent months, distinct
product offerings are beginning to take shape.
3. ACTIVISTS TARGET BROKERS AT FLAGSHIP BIBA CONFERENCE
Climate activists have disrupted the British Insurance Brokers'
Association’s (Biba) annual conference in Manchester, urging the sector to
stop (re)insuring oil and gas projects such as the East African Crude Oil
Pipeline (EACOP).
4. AON LAUNCHES CARBON CAPTURE AND STORAGE INSURANCE SOLUTION
Aon has developed an insurance product for international transport and
storage companies engaged in carbon capture and storage.
5. TOKIO MARINE CLAIMS CARBON NEUTRALITY IN FY23 THROUGH MANGROVE PLANTING
PROJECT
Tokio Marine Group has announced that it achieved carbon neutrality across
its overall business activities in FY23 for the 11th eleventh consecutive
year.
6. ZURICH TARGETS 20% SLASH IN LARGE CORPORATE PORTFOLIO EMISSIONS IN NEW
TRANSITION PLAN
Zurich has set an interim target to reduce the intensity of
insurance-associated emissions in its large corporate customer portfolio by
20 percent between 2022 and 2030.
7. LMA AND IUA PUBLISH SUSTAINABILITY DATA STANDARD FOR UNDERWRITERS
The Lloyd’s Market Association and the International Underwriting
Association have partnered to launch a new data standard for underwriters
when collecting sustainability data from clients.
8. INSURERS TO DISCLOSE NATURE-RELATED EXPOSURE AS PORTION OF GDP OR TOTAL
SUMS INSURED
(Re)insurers have been recommended to disclose their exposure to sectors
with material nature-related risks and to sensitive locations, stated
either as a percentage of GWP or as total sums insured, in the final
guidance issued by the Task Force on Nature-Related Financial Disclosures.
9. AON SETS FOCUS ON RESERVOIR INTEGRITY IN LATEST CARBON INSURANCE MARKET
INNOVATION
Broker Aon has developed a bespoke insurance product to cover the risk of
reservoir integrity in carbon capture and storage projects. Sustainable
Insurer met with Aon’s Susan Swails and Euan Nicolson to find out the
rationale behind the launch…
10. CFC ADDS CARBON CANCELLATION INSURANCE TO GROWING CARBON CREDIT OFFERING
CFC has expanded its carbon insurance solutions suite to offer carbon
cancellation insurance against the risk that a carbon credit is cancelled
or invalidated.
11. GALLAGHER SPECIALTY LAUNCHES BOSLEY-LED CARBON INSURANCE SOLUTIONS SERVICE
Gallagher Specialty has introduced a carbon insurance solutions service to
help clients mitigate risks associated with decarbonisation initiatives.
12. ALMOST TWO-THIRDS OF BROKERS HAVE NO NET-ZERO PLAN AS COSTS AND RESOURCES
POSE BARRIERS: AVIVA
More than one-third of brokers have developed a plan to achieve net-zero
emissions or are already implementing one, according to new research by
Aviva, with those yet to do so citing cost as the most significant barrier.
13. PPMI MEMBERS ADOPT IMO TARGET FOR NET-ZERO SHIPPING BY 2050
Members of the Poseidon Principles for Marine Insurance have unanimously
agreed to align with the International Maritime Organization’s revised
target to achieve net-zero by 2050.
14. CARBON INSURANCE: DISTINCT PRODUCT CATEGORIES EMERGE AS MARKET EXPANDS
With several carbon insurance products announced in recent months, distinct
product offerings are beginning to take shape.
15. ACTIVISTS TARGET BROKERS AT FLAGSHIP BIBA CONFERENCE
Climate activists have disrupted the British Insurance Brokers'
Association’s (Biba) annual conference in Manchester, urging the sector to
stop (re)insuring oil and gas projects such as the East African Crude Oil
Pipeline (EACOP).
16. AON LAUNCHES CARBON CAPTURE AND STORAGE INSURANCE SOLUTION
Aon has developed an insurance product for international transport and
storage companies engaged in carbon capture and storage.
17. TOKIO MARINE CLAIMS CARBON NEUTRALITY IN FY23 THROUGH MANGROVE PLANTING
PROJECT
Tokio Marine Group has announced that it achieved carbon neutrality across
its overall business activities in FY23 for the 11th eleventh consecutive
year.
18. ZURICH TARGETS 20% SLASH IN LARGE CORPORATE PORTFOLIO EMISSIONS IN NEW
TRANSITION PLAN
Zurich has set an interim target to reduce the intensity of
insurance-associated emissions in its large corporate customer portfolio by
20 percent between 2022 and 2030.
19. LMA AND IUA PUBLISH SUSTAINABILITY DATA STANDARD FOR UNDERWRITERS
The Lloyd’s Market Association and the International Underwriting
Association have partnered to launch a new data standard for underwriters
when collecting sustainability data from clients.
20. INSURERS TO DISCLOSE NATURE-RELATED EXPOSURE AS PORTION OF GDP OR TOTAL
SUMS INSURED
(Re)insurers have been recommended to disclose their exposure to sectors
with material nature-related risks and to sensitive locations, stated
either as a percentage of GWP or as total sums insured, in the final
guidance issued by the Task Force on Nature-Related Financial Disclosures.
PEOPLE MOVES
AFRICAN RISK CAPACITY’S DIONG TO LEAD LOSS AND DAMAGE FUND
ALLIANZ UK NAMES THOMAS TO LEAD SUSTAINABILITY STRATEGY
LLOYD’S SUSTAINABILITY HEAD HEATHCOTE EXITS FOR FIDELIS PARTNERSHIP
GALLAGHER RE ADDS FIDELIS’ RUDDEN TO NEW ROLE OVERSEEING GREEN SOLUTIONS
MAYNARD EXITS CHAUCER AS HEAD OF INNOVATION AFTER FOUR YEARS
FORMER LLOYD’S CEO BEALE NAMED CHAIR OF CARBON AND CLIMATE CONSULTANCY SOUTH
POLE
VIEWPOINT
slide 5 to 8 of 12
1. HOW CARRIERS, REINSURERS AND NEW ENTRANTS CAN CONFIDENTLY AND PROFITABLY
OPERATE IN HIGH-RISK REGIONS
If you work in the insurance industry, you are all too familiar with the
staggering scale of natural catastrophe losses and the massive – and still
growing – protection gap for climate-related risks worldwide.
2. CARBON CAPTURE AND STORAGE: HAS THE INSURANCE MARKET ADEQUATELY RESPONDED
TO OPERATOR NEEDS?
With the carbon capture and storage industry expected to rapidly ramp up in
the coming years, WTW energy specialists Paul Clark, Will Richardson and
Nick Van Der Merwe examine the insurance response to date and whether the
industry is meeting operator needs
3. SWAPPING DEBT FOR NATURE CAN HELP DRIVE AN EQUITABLE TRANSITION TO NET ZERO
Amir Sethu, head of sustainability at MS Amlin, outlines how the Lloyd’s
market can help mobilise investment in environmental conservation through
debt-for-nature swaps, but warns that success depends on cross-sector
collaboration.
4. UNDERSTANDING THE GEOPOLITICAL IMPLICATIONS OF ENERGY TRANSITION
As the risks associated with climate change worsen, the need for the
transition has become unavoidable.
5. WIND TURBINES: LIFE EXTENSION FOR OBSOLETE TECHNOLOGY
Nick Evans, Aviva’s deputy head of renewable energy, outlines the issues in
obsolete technology in the wind sector, and how insurers can look to
underwrite complex life extensions.
6. THE CLIMATE CRISIS IS GETTING WORSE: HERE’S HOW INSURANCE IS HELPING
Pierre du Rostu, CEO of Axa’s digital commercial platform, on the role
insurers can play in addressing climate change.
7. HOW INSURERS ARE DRIVING SUSTAINABLE INVESTMENTS
As some of the world’s largest institutional investors, insurers have an
important role in making investment more sustainable. But there is no
one-size-fits-all approach, outlines Craig Campbell, head of UK responsible
investment at Aon.
8. SUPPORTING FINE ART ESG TARGETS THROUGH INSURANCE
David Saillen, head of fine art and specie, continental Europe at Liberty
Specialty Markets, highlights how insurance can play a role in helping
support ESG in the art world.
9. INSURING EUROPEAN COBALT MINING FOR A SMOOTH TRANSITION
Mikael Ardell, CEO of UIB Nordic, outlines how the rapid growth of the
electric vehicle market and lithium-ion batteries has caused an explosion
in demand for raw materials such as lithium and cobalt, posing significant
ethical and environmental issues for insurers to navigate.
10. WHAT LIES AHEAD FOR CLIMATE CHANGE LITIGATION?
Toby Vallance, partner at DAC Beachcroft, outlines recent key rulings in
climate-related litigation, as well as cases awaiting decisions later this
year, as insurers grapple with increasing liability exposures across
environmental and D&O in the wake of a more active plaintiffs bar.
11. QUANTIFYING THE FINANCIAL COST OF CLIMATE CHANGE: THREE CHALLENGES TO
OVERCOME
From getting a full view of climate risk to generating meaningful insight
that businesses can use to build resilience, WTW’s climate practice head
Peter Carter looks at the climate risk quantification obstacles that need
to be overcome.
12. INSURERS MUST DO MORE TO CLOSE THE PROTECTION GAP
Lorenzo Chan on the importance of reaching those currently underserved by
insurance.
13. HOW CARRIERS, REINSURERS AND NEW ENTRANTS CAN CONFIDENTLY AND PROFITABLY
OPERATE IN HIGH-RISK REGIONS
If you work in the insurance industry, you are all too familiar with the
staggering scale of natural catastrophe losses and the massive – and still
growing – protection gap for climate-related risks worldwide.
14. CARBON CAPTURE AND STORAGE: HAS THE INSURANCE MARKET ADEQUATELY RESPONDED
TO OPERATOR NEEDS?
With the carbon capture and storage industry expected to rapidly ramp up in
the coming years, WTW energy specialists Paul Clark, Will Richardson and
Nick Van Der Merwe examine the insurance response to date and whether the
industry is meeting operator needs
15. SWAPPING DEBT FOR NATURE CAN HELP DRIVE AN EQUITABLE TRANSITION TO NET ZERO
Amir Sethu, head of sustainability at MS Amlin, outlines how the Lloyd’s
market can help mobilise investment in environmental conservation through
debt-for-nature swaps, but warns that success depends on cross-sector
collaboration.
16. UNDERSTANDING THE GEOPOLITICAL IMPLICATIONS OF ENERGY TRANSITION
As the risks associated with climate change worsen, the need for the
transition has become unavoidable.
17. WIND TURBINES: LIFE EXTENSION FOR OBSOLETE TECHNOLOGY
Nick Evans, Aviva’s deputy head of renewable energy, outlines the issues in
obsolete technology in the wind sector, and how insurers can look to
underwrite complex life extensions.
18. THE CLIMATE CRISIS IS GETTING WORSE: HERE’S HOW INSURANCE IS HELPING
Pierre du Rostu, CEO of Axa’s digital commercial platform, on the role
insurers can play in addressing climate change.
19. HOW INSURERS ARE DRIVING SUSTAINABLE INVESTMENTS
As some of the world’s largest institutional investors, insurers have an
important role in making investment more sustainable. But there is no
one-size-fits-all approach, outlines Craig Campbell, head of UK responsible
investment at Aon.
20. SUPPORTING FINE ART ESG TARGETS THROUGH INSURANCE
David Saillen, head of fine art and specie, continental Europe at Liberty
Specialty Markets, highlights how insurance can play a role in helping
support ESG in the art world.
THE INSURER TV
slide 5 to 8 of 12
1. TV
AON’S SCHULTZ: 2023 WILL SEE CAT BOND ISSUANCES RETURN TO “RECORD LEVELS”
AT $11BN+
Cat bond issuance levels are expected to reach record levels in 2023 with
Aon Securities CEO Paul Schultz predicting north of $11bn as a “reasonable
outcome” following a muted end to 2022 as a result of investor uncertainty
and frustrations.
2. TV
QBE’S HARRIS: 1.1 RATE ENVIRONMENT TO PERSIST WITH FURTHER PRICE INCREASES
POSSIBLE
QBE International CEO Jason Harris has forecast the reinsurance market
dynamics experienced at 1.1 will continue as 2023 progresses, with the
potential need for additional pricing increases to counter inflationary
impacts.
3. TV
RISK SPOTLIGHT: HOW DO YOU KNOW YOUR ESG INITIATIVES ARE HAVING AN IMPACT?
Climate events and social justice have dominated headlines in recent years,
with the understanding and prioritisation of these issues only increasing.
4. TV
KCC’S CLARK: CLIMATE CHANGE MEANS MORE $20BN-$40BN INDUSTRY LOSS EVENTS
Karen Clark has said that while scientific consensus has determined climate
change is not impacting hurricane frequency, it is driving severity higher
and that the industry should be prepared to absorb more loss events ranging
between $20bn and $40bn.
5. TV
MARKEL’S DAVIES: DIVERSE EMPLOYEES BOOST FINANCIAL PERFORMANCE
Having a diverse and inclusive employee base can help financial
performance, according to Sue Davies, chief human resource officer for
Markel.
6. TV
OXBOW’S VERSI: CARBON CREDIT MARKET TO REACH $1BN IN PREMIUM BY 2030
Consultancy firm Oxbow Partners and pioneering carbon credit insurer Kita
have described the growth opportunity within the ESG sector, and carbon
credits in particular, as “the next cyber” for insurers.
7. TV
BERMUDA PREMIER HIGHLIGHTS CLIMATE FINANCE INITIATIVES AT COP28 IN DUBAI
Premier David Burt of Bermuda made a notable appearance at COP28 in Dubai,
shedding light on Bermuda's role in climate finance and its commitment to
tackling climate change.
8. TV
RECLAIM FINANCE’S MCCULLY: NZIA ON “LIFE SUPPORT” FOLLOWING MASS EXODUS
The future of the Net-Zero Insurance Alliance (NZIA) is hanging in the
balance having lost more than half its members following the intervention
from a “deeply irresponsible” group of US Republicans citing antitrust
concerns.
9. TV
AON’S LAMBROU: FRUSTRATED CLIENTS LOOK TO DIFFERENTIATE THEMSELVES IN
CHALLENGING CAT MARKET
Clients are increasingly looking to “play offense” and differentiate
themselves to carriers, particularly relating to property cat as buyers
compete for limited capacity, Aon’s Lambros Lambrou has told The Insurer TV
ahead of the RIMS RISKWORLD 2023 meeting.
10. TV
AKINOVA’S WINAND: DIVERSIFYING DATA SETS KEY TO ATTRACTING MORE CAPITAL
The solution to attracting more capital and liquidity to underwrite
emerging risks such as cyber is to ensure “several sources” of information
are made available to enable informed decision-making, according to
AkinovA’s CEO and co-founder Henri Winand.
11. TV
THE INSURER TV: RECLAIM FINANCE CALLS ON LLOYD’S TO “STOP GREENWASHING”
Climate campaign group Reclaim Finance has called on Lloyd’s to “stop
greenwashing” and to mandate stricter policies around the exclusion of
fossil fuels to achieve meaningful change in a new report which ranks the
fossil fuel underwriting policies of managing agents.
12. TV
GC’S ENOIZI EYES SCALE-UP OF NY COMMUNITY-BASED INSURANCE SCHEME
The groundbreaking community-based parametric scheme set up to provide
emergency funding to New York neighbourhoods impacted by flooding has
potential to scale up to cover thousands of cities across the US, according
to Guy Carpenter’s Julian Enoizi.
13. TV
AON’S SCHULTZ: 2023 WILL SEE CAT BOND ISSUANCES RETURN TO “RECORD LEVELS”
AT $11BN+
Cat bond issuance levels are expected to reach record levels in 2023 with
Aon Securities CEO Paul Schultz predicting north of $11bn as a “reasonable
outcome” following a muted end to 2022 as a result of investor uncertainty
and frustrations.
14. TV
QBE’S HARRIS: 1.1 RATE ENVIRONMENT TO PERSIST WITH FURTHER PRICE INCREASES
POSSIBLE
QBE International CEO Jason Harris has forecast the reinsurance market
dynamics experienced at 1.1 will continue as 2023 progresses, with the
potential need for additional pricing increases to counter inflationary
impacts.
15. TV
RISK SPOTLIGHT: HOW DO YOU KNOW YOUR ESG INITIATIVES ARE HAVING AN IMPACT?
Climate events and social justice have dominated headlines in recent years,
with the understanding and prioritisation of these issues only increasing.
16. TV
KCC’S CLARK: CLIMATE CHANGE MEANS MORE $20BN-$40BN INDUSTRY LOSS EVENTS
Karen Clark has said that while scientific consensus has determined climate
change is not impacting hurricane frequency, it is driving severity higher
and that the industry should be prepared to absorb more loss events ranging
between $20bn and $40bn.
17. TV
MARKEL’S DAVIES: DIVERSE EMPLOYEES BOOST FINANCIAL PERFORMANCE
Having a diverse and inclusive employee base can help financial
performance, according to Sue Davies, chief human resource officer for
Markel.
18. TV
OXBOW’S VERSI: CARBON CREDIT MARKET TO REACH $1BN IN PREMIUM BY 2030
Consultancy firm Oxbow Partners and pioneering carbon credit insurer Kita
have described the growth opportunity within the ESG sector, and carbon
credits in particular, as “the next cyber” for insurers.
19. TV
BERMUDA PREMIER HIGHLIGHTS CLIMATE FINANCE INITIATIVES AT COP28 IN DUBAI
Premier David Burt of Bermuda made a notable appearance at COP28 in Dubai,
shedding light on Bermuda's role in climate finance and its commitment to
tackling climate change.
20. TV
RECLAIM FINANCE’S MCCULLY: NZIA ON “LIFE SUPPORT” FOLLOWING MASS EXODUS
The future of the Net-Zero Insurance Alliance (NZIA) is hanging in the
balance having lost more than half its members following the intervention
from a “deeply irresponsible” group of US Republicans citing antitrust
concerns.
INTERVIEW
DE-RISKING THE TRANSITION: THE NEED FOR CLARITY IN RISK APPETITE
PARATUS’ MAJED: SCALING UP RENEWABLES BY COVERING ENERGY PRICE RISK
WTW’S CARTER: DON’T BURY YOUR HEAD IN THE SAND ON A TRANSITION PLAN
LOMAS HAILS MARKET PROGRESS ON BETTERING CULTURE AS DIVE IN MARKS 10TH YEAR
WTW’S HAMM: CSRD IS THE NEW BASELINE FOR RISK MANAGEMENT, NOT A TICK-BOX
EXERCISE
FOSTERING CLIMATE RESILIENCE AND ENSURING INCLUSIVE ACCESS TO INSURANCE
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