Regulatory Alerts2026-04-02
AFM Analysis Report: Research on Sustainability among Property and Casualty Insurers
The Dutch Financial Markets Authority (AFM) issued an analysis report revealing that while property and casualty insurers are actively integrating sustainability features into retail and commercial products, they face significant challenges in pricing new green risks and consistently measuring the actual environmental impact of these features. The regulator notes that insurers currently report sustainability characteristics far more frequently for retail policies than for commercial ones, and less than half of them quantify the tangible sustainability impact of their initiatives, often only tracking usage metrics like digital policy delivery rather than actual CO2 savings. To address these gaps, the AFM emphasizes that insurers must ensure all sustainability claims are accurate, concrete, and well-substantiated in line with disclosure standards, while encouraging the sector to continue developing industry-wide measurement standards and underwriting solutions for emerging energy transition risks.