2022 Scorecard on Insurance, Fossil Fuels & Climate Change
The Sixth Annual Scorecard
This is the sixth annual Scorecard on Insurance, Fossil Fuels and the Climate Emergency published by the Insure Our Future campaign. The Scorecard analyses 30 leading primary insurers and reinsurers, assessing their policies on insuring and investing in coal, oil and gas. The report highlights progress and loopholes, calls out leaders and laggards, and identifies challenges and opportunities for the year ahead.
Insurers adopting oil & gas exit policies
The number of insurance companies adopting oil and gas restrictions is increasing each year.
2020
2021
2022
Number of insurers with fossil fuel restrictions, by sector
Insurance company restrictions on oil and gas are starting to catch up with those on coal. At the time of the 2022 Scorecard's publication, 13 companies have adopted oil and gas restrictions while 41 insurance companies have restrictions on coal, making it uninsurable outside of China.
Coal
41 companies
Tar Sands
22 companies
Oil & Gas
13 companies
Scorecard 2022
Scoring Key
0.0 - 1.4
1.5 - 3.4
3.5 - 10
Scroll
| Company | Country | Underwriting | Investment | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Total | Coal | Oil & Gas | Total | Coal | Oil & Gas | |||||
| Allianz |
 |
5.3 / 10
Rank 1
|
9.0 / 10
Rank 1
|
2.9 / 10
Rank 4
|
4.4 / 10
Rank 4
|
8.7 / 10
Rank 1
|
1.5 / 10
Rank 8
|
|||
| AXA |
 |
4.8 / 10
Rank 2
|
9.0 / 10
Rank 1
|
1.9 / 10
Rank 7
|
4.8 / 10
Rank 2
|
8.7 / 10
Rank 1
|
2.7 / 10
Rank 3
|
|||
| Aviva |
 |
4.4 / 10
Rank 3
|
5.8 / 10
Rank 6
|
4.0 / 10
Rank 1
|
2.6 / 10
Rank 8
|
2.3 / 10
Rank 11
|
2.3 / 10
Rank 5
|
|||
| Swiss Re |
 |
4.2 / 10
Rank 4
|
6.0 / 10
Rank 5
|
2.9 / 10
Rank 4
|
3.9 / 10
Rank 6
|
6.3 / 10
Rank 6
|
2.5 / 10
Rank 4
|
|||
| Axis Capital |
 |
4.2 / 10
Rank 5
|
9.0 / 10
Rank 1
|
1.4 / 10
Rank 10
|
4.2 / 10
Rank 5
|
8.7 / 10
Rank 1
|
1.5 / 10
Rank 8
|
|||
| Generali |
 |
3.8 / 10
Rank 6
|
5.5 / 10
Rank 7
|
2.8 / 10
Rank 6
|
4.6 / 10
Rank 3
|
7.7 / 10
Rank 5
|
3.0 / 10
Rank 2
|
|||
| Zurich |
|
3.8 / 10
Rank 7
|
7.0 / 10
Rank 4
|
1.4 / 10
Rank 10
|
3.3 / 10
Rank 7
|
4.7 / 10
Rank 7
|
1.5 / 10
Rank 8
|
|||
| Hannover Re |
 |
3.7 / 10
Rank 8
|
5.3 / 10
Rank 9
|
3.3 / 10
Rank 2
|
2.4 / 10
Rank 9
|
2.7 / 10
Rank 9
|
1.8 / 10
Rank 6
|
|||
| Munich Re |
|
3.4 / 10
Rank 9
|
4.5 / 10
Rank 10
|
3.0 / 10
Rank 2
|
2.1 / 10
Rank 10
|
2.7 / 10
Rank 9
|
1.7 / 10
Rank 7
|
|||
| Mapfre |
 |
3.2 / 10
Rank 10
|
5.5 / 10
Rank 7
|
1.5 / 10
Rank 9
|
2.0 / 10
Rank 12
|
3.0 / 10
Rank 8
|
1.3 / 10
Rank 15
|
|||
| SCOR Re |
 |
2.6 / 10
Rank 11
|
4.5 / 10
Rank 10
|
1.3 / 10
Rank 14
|
6.4 / 10
Rank 1
|
8.0 / 10
Rank 4
|
7.3 / 10
Rank 1
|
|||
| QBE |
 |
2.5 / 10
Rank 12
|
4.0 / 10
Rank 12
|
1.4 / 10
Rank 10
|
1.6 / 10
Rank 13
|
1.3 / 10
Rank 13
|
1.3 / 10
Rank 15
|
|||
| HDI Global |
|
2.3 / 10
Rank 13
|
3.3 / 10
Rank 13
|
1.8 / 10
Rank 8
|
2.1 / 10
Rank 11
|
2.3 / 10
Rank 11
|
1.5 / 10
Rank 8
|
|||
| AIG |
 |
2.0 / 10
Rank 14
|
3.0 / 10
Rank 14
|
1.3 / 10
Rank 14
|
1.3 / 10
Rank 16
|
1.3 / 10
Rank 13
|
1.3 / 10
Rank 15
|
|||
| Sompo |
 |
1.6 / 10
Rank 15
|
2.0 / 10
Rank 18
|
1.4 / 10
Rank 10
|
1.4 / 10
Rank 14
|
1.3 / 10
Rank 13
|
1.5 / 10
Rank 8
|
|||
| Tokio Marine |
|
1.6 / 10
Rank 16
|
2.0 / 10
Rank 18
|
1.3 / 10
Rank 14
|
1.0 / 10
Rank 18
|
1.3 / 10
Rank 13
|
1.3 / 10
Rank 15
|
|||
| The Hartford |
|
1.5 / 10
Rank 17
|
2.0 / 10
Rank 18
|
1.1 / 10
Rank 17
|
1.3 / 10
Rank 15
|
1.3 / 10
Rank 13
|
1.5 / 10
Rank 8
|
|||
| MS&AD |
|
1.5 / 10
Rank 18
|
3.0 / 10
Rank 14
|
0.0 / 10
Rank 19
|
0.6 / 10
Rank 19
|
1.3 / 10
Rank 13
|
0.0 / 10
Rank 19
|
|||
| Travelers |
|
1.3 / 10
Rank 19
|
2.0 / 10
Rank 18
|
1.1 / 10
Rank 17
|
1.1 / 10
Rank 17
|
1.3 / 10
Rank 13
|
1.5 / 10
Rank 8
|
|||
| Samsung FM |
 |
1.1 / 10
Rank 20
|
2.5 / 10
Rank 16
|
0.0 / 10
Rank 19
|
0.5 / 10
Rank 20
|
1.3 / 10
Rank 13
|
0.0 / 10
Rank 19
|
|||
| Convex |
|
1.0 / 10
Rank 21
|
2.5 / 10
Rank 16
|
0.0 / 10
Rank 19
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
|||
| Chubb |
|
0.5 / 10
Rank 22
|
1.3 / 10
Rank 22
|
0.0 / 10
Rank 19
|
0.5 / 10
Rank 20
|
1.3 / 10
Rank 13
|
0.0 / 10
Rank 19
|
|||
| Ping An |
 |
0.5 / 10
Rank 22
|
1.3 / 10
Rank 22
|
0.0 / 10
Rank 19
|
0.5 / 10
Rank 20
|
1.3 / 10
Rank 13
|
0.0 / 10
Rank 19
|
|||
| Liberty Mutual |
|
0.4 / 10
Rank 24
|
1.0 / 10
Rank 24
|
0.0 / 10
Rank 19
|
0.5 / 10
Rank 20
|
1.3 / 10
Rank 13
|
0.0 / 10
Rank 19
|
|||
| Lloyd’s |
|
0.2 / 10
Rank 25
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
0.1 / 10
Rank 24
|
0.3 / 10
Rank 24
|
0.0 / 10
Rank 19
|
|||
| Berkshire Hathaway |
|
0.0 / 10
Rank 26
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
|||
| Everest Re |
|
0.0 / 10
Rank 26
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
|||
| PICC |
|
0.0 / 10
Rank 26
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
|||
| Sinosure |
|
0.0 / 10
Rank 26
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
|||
| Starr |
|
0.0 / 10
Rank 26
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 25
|
0.0 / 10
Rank 19
|
|||
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