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Sustainable underwriting solutions
Moody’s elevates underwriting portfolio analytics by offering emissions-focused insights and ESG scores across a wide range of sustainability metrics, all accessible through the Intelligent Risk Platform. By seamlessly integrating with Moody’s cloud-native applications, firms can utilize insights faster, enhancing insurance decision-making, portfolio management, and the underwriting workflow.
ESG insights for the interconnected world of risk
Operationalizing ESG Analytics into Insurance Underwriting
Introducing Moody’s Insurance-Associated Emissions solution
Analytics integrated at points of decision-making
Lloyd’s and Moody’s to develop an emissions accounting solution through the Lloyd’s Lab
Lloyd’s, the world’s leading marketplace for insurance and reinsurance, today announces a new collaboration with Moody’s Analytics to develop a solution that will help to quantify greenhouse gas (GHG) emissions* across managing agents’ underwriting and investment portfolios. The solution being adopted will aid managing agents in meeting expected regulatory reporting requirements.
State of the market survey 2023
Incorporating ESG into P&C Underwriting
ESG insights for the interconnected world of risk
Operationalizing ESG Analytics into Insurance Underwriting
Introducing Moody’s Insurance-Associated Emissions solution
Analytics integrated at points of decision-making
Lloyd’s and Moody’s to develop an emissions accounting solution through the Lloyd’s Lab
Lloyd’s, the world’s leading marketplace for insurance and reinsurance, today announces a new collaboration with Moody’s Analytics to develop a solution that will help to quantify greenhouse gas (GHG) emissions* across managing agents’ underwriting and investment portfolios. The solution being adopted will aid managing agents in meeting expected regulatory reporting requirements.
State of the market survey 2023
Incorporating ESG into P&C Underwriting
ESG insights for the interconnected world of risk
Operationalizing ESG Analytics into Insurance Underwriting
Talk to a Risk Specialist
Thank you for your interest.
ESG and emissions analytics for underwriting
Incorporating ESG and emissions factors into decision-making processes offers (re)insurers a dual opportunity: to demonstrate credible commitments to net zero initiatives and to enrich their underwriting and portfolio management workflows with new analytical insights. Moody’s, with over three decades of experience in the P&C workflows, can help you operationalize sustainability metrics to align with new global regulatory standards and increasing stakeholder expectations.
Proactively mitigate reputational and regulatory risk
Demonstrate clear, traceable, and credible ESG commitments to investors, consumers, and regulators.
Enhance decision-making for risk selection and pricing
Understand correlations between account ESG scores and insurance metrics to improve profitability.
Differentiate and unlock value with new products and services
Engage with customers in a more meaningful way while responding to stakeholder pressures.
A new risk paradigm
Today’s business environment is characterized by complex, interconnected risks, including those related to climate change and portfolio emissions. Understanding and managing these risks is crucial for (re)insurers aiming to support global sustainability goals, attract talent, and drive business growth. Learn how Moody’s is partnering with industry leaders to address the common barriers to operationalizing sustainability metrics into insurance workflows.
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Introducing Moody’s Insurance-Associated Emissions solution
Our insurance-associated emissions solution is a specialized tool designed for property and casualty (P&C) insurers, facilitating the measurement, management, and reporting of greenhouse gas (GHG) emissions associated with their insured portfolios. Integrated with ExposureIQ on Moody’s Intelligent Risk Platform™, it enables insurers to comply with regulatory requirements and support their sustainability goals.
79% of
Consumers
consider insurer commitments to environmental issues in purchasing decisions.*
75% of
Insurers
are in the process or have defined their ESG strategy.
50% of
Insurers
are evaluating ESG as part of their underwriting and portfolio management strategies.
Partnering on sustainability
We are empowering the industry with consistent data connected across their workflows. We help customers bridge the gap between the catastrophe risk and sustainability. When customers partner with Moody’s to manage interconnected risk, they can expect:
Comprehensive coverage
Industry-leading database of 525 million public and private entities includes emissions and revenue data for over 80 million companies.
Easy to deploy
Integration with ExposureIQ streamlines the onboarding of new insights on your underwriting portfolio.
Deep industry expertise
Moody’s three decades of risk analysis and insurance solutions, tailored for today’s sustainability challenges.
Solution transparency
Data quality scores along with comprehensive support documentation and auditability establishes trust and confidence in solution.
Customers
Operationalize ESG and emissions analytics with ExposureIQ
Transitioning ESG and emissions analytics from concept to practice can be challenging. ExposureIQ, running on the Intelligent Risk Platform, simplifies this by incorporating emissions as another selectable risk factor within existing workflows. This seamless integration ensures that underwriters and portfolio managers can leverage ESG insights alongside traditional risk factors without cumbersome data migrations or IT complexities.
ESG thought leadership
Incorporating ESG into P&C underwriting - Owning the risk appetite
Long considered an emerging risk for insurers, environmental, social, governance and climate (ESG-C) risks are now one of the most talked about topics in the insurance industry. As such, the importance attached by senior management to this topic has increased.
Incorporating ESG into P&C underwriting - Owning the risk appetite
Read moreIntegrating ESG into portfolio management and underwriting workflows: the state of the market
Moving towards automation and digitization of the underwriting processes, accurate data and sophisticated analytics are becoming increasingly important. ESG factors and scores offer insurers new insights into risk and decision-making, but they also bring new data integration challenges.
Integrating ESG into portfolio management and underwriting workflows: the state of the market
Read moreHow to develop and integrate an ESG strategy
ESG issues have become key priorities for insurers. Most actions have focused on internal operations, regulatory requirements, and the asset side of the balance sheet. The next step is to consider how ESG can be incorporated into decision-making across their entire business, including underwriting.
How to develop and integrate an ESG strategy
Read moreFrequently asked questions
How does Moody’s insurance-associated emissions solution integrate with ExposureIQ?
The insurance-associated emissions solution supports regulatory compliance for insurers by providing emissions data and analytics aligned with Partnership for Carbon Associated Financials (PCAF) standards, simplifying reporting processes. It caters to requirements from regulations such as Canada’s OSFI and the EU’s CSRD, aiding insurers in navigating potential financial penalties and safeguarding their reputation through enhanced emissions disclosure capabilities.
How can Moody’s insurance-associated emissions solution help insurers engage with their insureds on sustainability efforts?
By leveraging detailed account-level emissions insights, insurers can engage in meaningful conversations with their insureds about decarbonization strategies and sustainability practices. This proactive engagement helps build stronger relationships and encourages the adoption of greener practices across industries.
How can the Moody’s insurance-associated emissions solution help insurers with regulatory compliance?
The insurance-associated emissions solution supports regulatory compliance for insurers by providing emissions data and analytics aligned with Partnership for Carbon Associated Financials (PCAF) standards, simplifying reporting processes. It caters to requirements from regulations such as Canada’s OSFI and the EU’s CSRD, aiding insurers in navigating potential financial penalties and safeguarding their reputation through enhanced emissions disclosure capabilities.
How does Moody’s insurance-associated emissions solution support insurers in achieving their sustainability goals?
The insurance-associated emissions solution enables insurers to accurately track and report GHG emissions, set and monitor decarbonization targets, and identify opportunities for emissions reduction. These capabilities support insurers in aligning their business operations with global sustainability objectives and contributing to the broader goal of transitioning to a net-zero economy.
Who can benefit from using Moody’s insurance-associated emissions solution?
Property and casualty (P&C) insurers looking to enhance their emissions reporting capabilities, comply with regulatory standards, and take proactive steps toward sustainability will find the Insurance-Associated Emissions Solution particularly beneficial. It is suitable for insurers of all sizes seeking to integrate emissions data into their decision-making processes.
News & insights
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An ESG view on Russia and impacts of invasion of Ukraine
The impacts of Russia’s invasion of Ukraine and the scale of mounting international economic sanctions are set to reconfigure the existing ESG risk landscape for global business and financial markets. This comment discusses Russia’s sovereign ESG performance from Moody’s ESG Solutions’ perspective and the impacts of the current military crisis.
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TCFD reporting set to accelerate as net-zero commitments proliferate globally
The Task Force for Climate-related Financial Disclosures’ (TCFD) recommendations have emerged as the foundational framework upon which many companies across the globe utilize to provide transparency to financially material climate-related information as net zero commitments and targets surge.

Climate change – the biggest risk multiplier for the insurance industry
There can be little argument with the scale of the challenge that the world faces from climate change, and insurers are no different.
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Chaucer announces new collaboration with Moody’s to revolutionize the way businesses manage their ESG profile
Together, Chaucer and Moody’s aim to produce an innovative, data-driven Environmental, Social, and Governance (ESG) ‘scorecard’.

ESG in ExposureIQ demo
Navigate ESG in the era of Interconnected Risk with ExposureIQ
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Overcoming the practical challenges in operationalizing ESG underwriting analytics
The insurance industry is undergoing a significant transformation in how it approaches environmental, social, and governance (ESG) factors as a framework that informs business strategy. There are two distinct approaches to ESG adoption within the industry, each with its own set of challenges.
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How to operationalize sustainability commitments with Moody’s RMS ExposureIQ
On March 20, 2023, the Intergovernmental Panel on Climate Change (IPCC) issued its Synthesis Report of the Sixth Assessment Report, which summarized the current state of knowledge around climate change, its widespread impacts and risks, and the need for climate change mitigation and adaptation.

An ESG view on Russia and impacts of invasion of Ukraine
The impacts of Russia’s invasion of Ukraine and the scale of mounting international economic sanctions are set to reconfigure the existing ESG risk landscape for global business and financial markets. This comment discusses Russia’s sovereign ESG performance from Moody’s ESG Solutions’ perspective and the impacts of the current military crisis.

TCFD reporting set to accelerate as net-zero commitments proliferate globally
The Task Force for Climate-related Financial Disclosures’ (TCFD) recommendations have emerged as the foundational framework upon which many companies across the globe utilize to provide transparency to financially material climate-related information as net zero commitments and targets surge.

Climate change – the biggest risk multiplier for the insurance industry
There can be little argument with the scale of the challenge that the world faces from climate change, and insurers are no different.

Chaucer announces new collaboration with Moody’s to revolutionize the way businesses manage their ESG profile
Together, Chaucer and Moody’s aim to produce an innovative, data-driven Environmental, Social, and Governance (ESG) ‘scorecard’.

ESG in ExposureIQ demo
Navigate ESG in the era of Interconnected Risk with ExposureIQ

Overcoming the practical challenges in operationalizing ESG underwriting analytics
The insurance industry is undergoing a significant transformation in how it approaches environmental, social, and governance (ESG) factors as a framework that informs business strategy. There are two distinct approaches to ESG adoption within the industry, each with its own set of challenges.

How to operationalize sustainability commitments with Moody’s RMS ExposureIQ
On March 20, 2023, the Intergovernmental Panel on Climate Change (IPCC) issued its Synthesis Report of the Sixth Assessment Report, which summarized the current state of knowledge around climate change, its widespread impacts and risks, and the need for climate change mitigation and adaptation.

An ESG view on Russia and impacts of invasion of Ukraine
The impacts of Russia’s invasion of Ukraine and the scale of mounting international economic sanctions are set to reconfigure the existing ESG risk landscape for global business and financial markets. This comment discusses Russia’s sovereign ESG performance from Moody’s ESG Solutions’ perspective and the impacts of the current military crisis.

TCFD reporting set to accelerate as net-zero commitments proliferate globally
The Task Force for Climate-related Financial Disclosures’ (TCFD) recommendations have emerged as the foundational framework upon which many companies across the globe utilize to provide transparency to financially material climate-related information as net zero commitments and targets surge.

Climate change – the biggest risk multiplier for the insurance industry
There can be little argument with the scale of the challenge that the world faces from climate change, and insurers are no different.

Chaucer announces new collaboration with Moody’s to revolutionize the way businesses manage their ESG profile
Together, Chaucer and Moody’s aim to produce an innovative, data-driven Environmental, Social, and Governance (ESG) ‘scorecard’.
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Connect with an ESG expert
* Statistic from EY 2022 Global Insurance Outlook