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Our Report and Accounts outline our approach to risk management, including our views on social governance and environmental sustainability. You can find a copy of these reports here.

We continue to factor climate change risks into our business decisions in order to ensure we are responding effectively and appropriately to the challenges they pose.

In the last year we have increased our support for climate change research and analysis both with educational bodies and through collaborations within the business community.

In 2015 Hiscox commenced an independent strategic review of our Environmental, Social and Governance activities across all our business activities. Outcomes of this review will made available here on our website.

We believe in identifying, then minimising the environmental impacts of our business activities, including the direct impact of our own business operations, as reflected in our Environmental Sustainability Policy. We seek to reduce the amount of waste our activities produce, and the amount of resources we consume. We are committed to reducing our carbon footprint, and for the business to operate more sustainably by: measuring our use of water, energy and other products in order to reduce consumption over time; buying sustainably-sourced or energy efficient products where we can; and minimising waste by recycling products where we can. We have, as a result, also generated significant cost and energy savings. Our Global scope 1 and 2 per full-time employee has gone from 1.27 in 2013 to 1.16 in 2014, which is an overall decrease of 9%. During the year there has been growth in headcount, a rise in occupied floor space and more travel due to increased business activity.

The chart below depicts our carbon emissions year-on-year since 2012. In 2014, Hiscox Group operations became carbon neutral, offsetting the emissions we could not reduce through award-winning climate and sustainable development experts, ClimateCare. LifeStraw Carbon for Water project provides simple gravity-fed water filters for 4.5 million people in Western Kenya, minimising exposure to waterborne diseases.

This project also cuts carbon emissions by reducing the need to boil water to make it safe to drink. For more information, please go to

Every year Hiscox publish an environment report and in our support of ClimateWise membership. We use this annual report to ClimateWise as the main public record of our environmental and climate change performance and to demonstrate year-on-year initiatives. Our 2015 report is available here.

Hiscox is a founding member of ClimateWise, which aims to leverage the insurance industry’s expertise to understand, communicate and act on the risks associated with climate change.

Members are independently assessed against a commitment to six key principles, including risk analysis, public policy, influencing our customers, investment strategies, managing our own impact and reporting on our direct emissions. In 2014 Hiscox was ranked joint second. More information is available at