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.

The 2022 Insurance Industry Leaders and Laggards on Climate Action

Insurers adopting oil & gas exit policies

The number of insurance companies adopting oil and gas restrictions is increasing each year.
2020
suncorp
2021
Generali AXA KBC Zurich Aviva
2022
Mapfre Hannover re Swiss Re Allianz Scoor Fidelis Munich Re

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 Germany
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 France
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 United Kingdom
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 Switzerland
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 Bermuda
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 Italy
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 Switzerland
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 Germany
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 Germany
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 Spain
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 France
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 Australia
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 Germany
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 United States
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 Japan
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 Japan
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 United States
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 Japan
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 United States
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 South Korea
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 Bermuda
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 United States
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 China
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 United States
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 United Kingdom
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 United States
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 Bermuda
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 China
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 China
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 United States
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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