Insure Our Future U.S. is a campaign comprised of environmental, consumer protection, and grassroots organizations holding the U.S. insurance industry accountable for its role in the climate crisis. We are part of the global Insure Our Future campaign, which promotes a rapid shift of the insurance industry away from fossil fuels to accelerate the transition to a clean energy economy.
About Us
What We Want
We’re calling on U.S. insurance companies to end their support of fossil fuels. Read our detailed demands here.
We demand insurance companies take the following measures:
1
Immediately stop insuring new and expanded coal, oil, and gas projects across the entire value chain, including LNG infrastructure.
2
Immediately stop new or existing insurance services to companies engaged in fossil fuel expansion, or that are otherwise not aligned with a credible 1.5°C pathway with minimal to zero overshoot.
3
Immediately stop new investments and phase out existing investments in companies engaged in fossil fuel expansion.
4
Immediately adopt underwriting and investment targets that align with a global 6:1 ratio of Clean and Sustainable Energy supply relative to fossil fuels by 2030.
5
Immediately adopt insured emissions reductions targets, including customers’ scope 3 emissions for material sectors. Develop, disclose and implement comprehensive transition plans that include phasing out insurance coverage for fossil fuel companies and is aligned with a credible 1.5°C pathway with minimal to zero overshoot for all insurance services.
6
Use all available mechanisms to ensure insurance remains affordable and accessible for communities while supporting efforts to make polluters pay for climate disasters, for example by bringing fossil fuel companies to court.
7
Immediately establish, and adopt as policy, robust due diligence and verification mechanisms to ensure clients fully respect all human rights. Including a requirement that they obtain and document the Free, Prior, and Informed Consent (FPIC) of Indigenous Peoples; and consent of all other local communities.
8
Immediately exclude insurance services to high impact activities that are located in, or impact, areas of high biodiversity importance. Develop a broader policy on biodiversity and water protection incorporating robust due diligence and verification mechanisms.
9
Immediately align lobbying, political spending, fossil fuel customer stewardship, trade associations and public positions as a shareholder to limit warming to 1.5°C with minimal overshoot, under board oversight, transparent metrics, reporting and escalation protocols.
Who We Are
The Insure Our Future network includes national and global organizations and social movements.
Endorse Insure Our Future
Add your organization’s voice to the growing call for insurance companies to stop insuring and investing in the climate crisis.