5.1 Climate and environmental approach

GRI 102-11] [GRI 103-1] [GRI 103-2] [GRI-103-3]

The fundamental directions of the ERGO Hestia Group’s climate and environmental activities are included in the ERGO Hestia Group Sustainability Strategy and in the ERGO Hestia Group Environmental Policy.

Management of environmental issues is the direct responsibility of the company’s Management Board. By adopting the Environmental Policy in 2019, it undertook to oversee the implementation of the declarations contained in the document. At the same time, it reaffirmed the Group’s actions and commitments as set out in the Sustainability Strategy to mitigate the effects of climate change and support the transition towards climate neutrality.

In 2021, the Management Board adopted a policy and guidelines for responsible investment (Responsible Investment Guidelines). The document sets out the investment principles, limits, and ESG factors considered in the Group’s investment process.

We are the first EMAS-certified insurer in Poland

In 2021, we officially received the EMAS certificate (Eco-Management and Audit Scheme) awarded by the General Director of Environmental Protection. It confirms that we meet the highest environmental standards and conduct our business in accordance with the idea of sustainable development. We are the first insurer in Poland and the fourth non-life insurer in Europe to be entered in the register of EMAS organisations.

The certificate covers all our activities including insurance and reinsurance services for individual and corporate clients and activities related to the preparation of an insurance offer as well as the conclusion and handling of an insurance contract. EMAS also covers our activities carried out in the office buildings in Sopot and Gdańsk, the entire ERGO Hestia vehicle fleet and selected elements of our supply chain.

Discover our 2021 targets and their status

Targets 2021	What we did	Implementation status in 2021
Area: CO₂ emissions
Reduce water consumption by at least 20% vs. 2019	Replacement of bathroom taps with touchless taps	Done (33% reduction)
Reduce daily office paper consumption from 5.8 (2019) to 4.2 A4 sheets per day (25% less)	Raising employees’ environmental awareness of paper consumption	Done (59% reduction)
Reduce paper consumption in company printed material by 25% vs. 2019	Raising employees’ environmental awareness of paper consumption	Missed (20% reduction)
Reduce average fuel consumption per 100 km by 5% vs. 2019		Missed (1% reduction)
Reduce electricity consumption by 5% vs. 2019	Replacement of some lighting with LEDs	Missed (2% reduction)
Improve Scope 3 CO₂ measurement including at ERGO Hestia branches		Done
Increase the share of hybrid cars in the fleet		Done (the share was 31% at the end of 2020, rising to 41% at the end of 2021)
Reduce carbon footprint by at least 10% by 2023		Currently done as planned. Reduction of 6% vs. 2019
Area: Environmentally-friendly products and services
Increase the number of customers in the “Bike Forever” programme by at least 15% vs. 2020	Encouraging customers to use the programme	Missed (13% increase)
Launch a product to support the transition to a low-carbon economy̨ (for individuals and businesses) and projects which save and prevent waste of natural resources and minimise environmental impact in 2021		Done
Implement the environmental certification created by Hestia Corporate Solutions to assess corporate clients		Done (certification programme announced in 2021)
Increase the number of video inspections for loss adjustment by 10% vs. 2020		Done
Area: Other
Join once again Climate Leadership (UNEP Grid) and Climate Positive (UNGC)		Done
Implement the Green Office standard and certification at ERGO Hestia sales points		Missed (postponed to 2022)

Our climate change and environmental targets for 2022-2025:

Participate in projects: Climate Leadership (UNEP Grid) and Climate Positive (UNGC).
Implement actions to achieve climate neutrality and limit the global temperature increase below 2°^C:
1. Reduce carbon footprint per employee by 12% by 2025 (vs. 2019),
2. Maintain ISO 14001 and EMAS environmental certification.
Develop a range of products and services that support the environment and climate change reduction and integrate ESG factors into the risk and investment assessment process:
1. Implement innovative products and services to support the transition to a low-carbon economy (for individuals and businesses) and projects that save natural resources, prevent waste and minimise environmental impact by 2023,
2. Develop loss adjustment in a sustainable and environmentally friendly way,
3. Implement the HCS certification programme as of 2022.

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5. Climate and environment

5.1 Climate and environmental approach

GRI 102-11] [GRI 103-1] [GRI 103-2] [GRI-103-3]

We are the first EMAS-certified insurer in Poland

We have a representative in Chapter Zero Poland