0.2. Please state the start and end date of the year for which you are reporting data.
Thu 01 Jan 2009 - Thu 31 Dec 2009

0.3. Are you participating in the Walmart Sustainability Assessment?
No

 

0.4. Modules
As part of the Investor CDP information request, electric utilities, companies with electric utility activities or assets, companies in the automobile or auto component manufacture sectors and companies in the oil and gas industry should complete supplementary questions in addition to the main questionnaire.

If you are in these sectors, the corresponding sector modules will be marked as default options to your information request.

If you have not been presented with a sector module that you consider would be appropriate for your company to answer, please select the module below. If you wish to view the questions first, please see www.cdproject.net/cdp-questionnaire.

0.5. Please select the countries for which you will be supplying data. This selection will be carried forward to assist you in completing your response.
United States of America
Australia 

0.6. Further Information

In 2010, part of Progressive's GHG management strategy is to employ ClearCarbon to assist with GHG accounting, reporting, and the development and possible implementation of reduction initiatives.  During their analysis of our 2009 data, they reviewed our 2008 Carbon Disclosure Project emissions data.  During that review, it was determined that our 2008 data was not reported correctly. It is restated in this report.  Our Scope 1 emissions for 2008 were 42,799 metric tonnes CO2-e and Scope 2 emissions were 117,811 metric tonnes CO2-e.

Governance

Governance

1.1. Where is the highest level of responsibility for climate change within your company?
There is no individual or committee with overall responsibility for climate change.

1.3b. Please explain how overall responsibility for climate change is managed within your company.

The Director of Real Estate (who reports to our CFO) is responsible for strategy and management of our real estate, facilities, fleet, travel, and flight operations. In addition, our social responsibility manager is responsible for communicating about all social responsibility activities including areas related to climate change. 

1.4. Do you provide incentives for the management of climate change issues, including the attainment of greenhouse gas (GHG) targets?

No

Risks and Opportunities

Risks & Opportunities Identification Process

2.1. Describe your company’s process for identifying significant risks and/or opportunities from climate change and assessing the degree to which they could affect your business, including the financial implications.

Progressive, like every company is theoretically exposed to some regulatory risks related to climate change, although those risks are not likely to affect our ability to sell and service insurance policies in a meaningful way.  For example, as a company that owns or leases real property, our company has some exposure to physical risks from climate change. We maintain insurance on our real property and other physical assets, including coverage for losses due to business interruptions caused by property damage.   To help maintain functionality and reduce the risk of significant interruptions of our operations, we have business continuity plans for all business critical areas as well as robust back-up systems or facilities for key principal systems and services.   In addition, we have established emergency management teams, which are responsible for responding to business disruptions and other risk events. The teams’ ability to respond successfully may be limited depending on the nature of the event, the completeness and effectiveness of our plans to maintain business continuity after an event, and other factors beyond our control.  Our risk management team employs sophisticated weather modeling techniques to quantify the potential financial consequences of catastrophic weather events.  This enables us to evaluate the amount of capital we would need to continue to run our business if such events occur.  Climate change could affect the frequency and severity of extreme weather-related events such as hurricanes, which can have a material effect on our available capital. For example, if driving behaviors change such that consumers drive less or reduce commuting distances or if there is a shift toward greater usage of mass transit to slow global warming, demand for our product offering could fall.  Finally, extreme global weather volatility could increase risk financing costs. Risk financing is the process by which a company secures the appropriate funds to cover unexpected financial losses arising from a risk that the company has deliberately retained. Both capacity in the reinsurance market and availability of capital from the catastrophe bond market could, theoretically, become significantly constrained after the occurrence of extreme weather events.

Regulatory Risks

3.1. Do current and/or anticipated regulatory requirements related to climate change present significant risks to your company?
No

3.7. Please explain why you do not consider your company to be exposed to significant regulatory risks - current and/or anticipated.
Our company, like every company is theoretically exposed to some regulatory risks related to climate change, although those risks are not likely to affect our ability to sell and service insurance policies in a meaningful way.

Physical Risks

4.1. Do current and/or anticipated physical impacts of climate change present significant risks to your company?
No

 

4.7. Please explain why you do not consider your company to be exposed to significant physical risks - current and/or anticipated.
As a company that owns, leases and insures real property, our company has some exposure to physical risks from climate change.  Risk mitigation is a primary component of our business model.  We maintain insurance on our real property and other physical assets, including coverage for losses due to business interruptions caused by property damage. To help maintain functionality and reduce the risk of significant interruptions of our operations, we have business continuity plans for all business critical areas as well as robust back-up systems or facilities for key principal systems and services. We still may be exposed, however, should these measures prove to be inadequate against severe, multiple or prolonged service or system interruptions. In addition, we have established emergency management teams, which are responsible for responding to business disruptions and other risk events. The teams’ ability to respond successfully may be limited depending on the nature of the event, the completeness and effectiveness of our plans to maintain business continuity after an event, and other factors beyond our control.  Our risk management team employs sophisticated weather modeling techniques to quantify the potential financial consequences of catastrophic weather events in order to evaluate the amount of capital we would need to continue to run our business if such events occur.

 

Other Risks

5.1. Does climate change present other significant risks - current and/or anticipated - for your company?
Yes

 

5.2B. What are the current and/or anticipated other significant risks, and their associated countries/regions and timescales?
Climate change could affect the frequency and severity of extreme weather-related events.  This includes hurricanes, which can have a material effect on our available capital.   If driving behaviors change such that consumers drive less or reduce commuting distances or if there is a shift toward greater usage of mass transit to slow global warming, demand for our product offering could fall.

 

5.3B. Describe the ways in which the identified risks affect or could affect your business and your value chain.
The risks identified above may impact the amount of insurance we sell, the severity of claims, and/or the amount of capital spent on claims.

 

5.4. Are there financial implications associated with the identified risks?
Yes

 

5.5. Please describe them.
Extreme global weather volatility could increase risk financing costs. Risk financing is the process by which a company secures the appropriate funds to cover unexpected financial losses arising from a risk that the company has deliberately retained. Both capacity in the reinsurance market and availability of capital from the catastrophe bond market may become significantly constrained after the occurrence of extreme weather events.

 

5.6. Describe any actions the company has taken or plans to take to manage or adapt to the other risks that have been identified, including the costs of those actions.
Our risk management team employs sophisticated weather modeling techniques to quantify the potential financial consequences of catastrophic weather events in order to evaluate the amount of capital we would need to continue to run our business if such events occur.

 

Regulatory Opportunities

6.1. Do current and/or anticipated regulatory requirements related to climate change present significant opportunities for your company?
No

 

6.7. Explain why you do not consider your company to be presented with significant opportunities - current and/or anticipated.
Although we continue to monitor developments in order to be positioned to take advantage of any opportunities that may arise, to date we haven't identified any.

 

Physical Opportunities

7.1. Do current and/or anticipated physical impacts of climate change present significant opportunities for your company?
Yes

 

7.2B. What are the current and/or anticipated significant physical opportunities and their associated countries/regions and timescales?
Extreme weather caused by climate change could result in increased demand for property/casualty insurance. For example, people may feel the need to purchase more insurance to be protected against severe weather situations.

 

7.3. Describe the ways in which the identified opportunities affect or could affect your business and your value chain.
To the extent climate change affects the frequency and severity of extreme weather-related events we have opportunities to strengthen our relationships with customers, agents, and body shops by providing our hallmark 24/7 claims service and our catastrophe claims service, specifically deployed for weather events resulting in increased claims frequency.   Additionally, people may feel the need to purchase more insurance to be protected against severe weather situations.

 

7.4. Are there financial implications associated with the identified opportunities?
Yes

 

7.5. Please describe them.
When severe weather events occur, we increase our claims operations locally by deploying our catastrophe teams to ensure immediate response to our claims.

 

7.6 Describe any actions the company has taken or plans to take to exploit the opportunities that have been identified, including the investment needed to take those actions.

Before, during and after severe weather events, we may use any or all of the following to enhance our relationships:  - Public Service Announcements about how to file claims on local radio stations  - Proactive e-mails sent to customers and agents with claims reporting information and safety tips  - Use of social media tools (i.e., Facebook, Twitter, etc.) to reach broader audiences with claims reporting information and safety tips  - Payment leniency in some severe situations to customers who need it  - Deployment of catastrophe response teams to affected areas to assist with claims  - Information for employees on how they can assist with relief efforts.

 

Other Opportunities

8.1. Does climate change present other significant opportunities - current and/or anticipated -  for your company?
Yes

 

8.2B. What are the current and/or anticipated other significant opportunities and their associated countries/regions and timescales?
Climate change presents other opportunities for the company.  As a company, we have undertaken several significant relevant initiatives.  - In March 2008, Progressive and the X PRIZE Foundation jointly announced our title sponsorship of the Progressive Insurance Automotive X PRIZE (PIAXP) and our funding of the $10 million prize purse. The PIAXP is an international competition designed to inspire a new generation of viable, super fuel-efficient vehicles. The independent and technology-neutral competition is open to teams that can design, build and bring to market 100 MPGe (miles per gallon energy equivalent) vehicles. The PIAXP will place a major focus on affordability, safety, and the environment.  Winners of this competition will be named in 2010. - Usage-based insurance is an innovative way to price car insurance that lets drivers get a customized discount based on how they actually drive. For more than 10 years, Progressive has been the leader in developing usage-based insurance products. Drivers can earn a discount based on their driving habits, and new customers can get an immediate discount just for signing up.  This discount gives drivers a financial incentive to drive less and safer.  Independent research shows that aggressive driving can burn an extra 125 gallons of gas per year and lower gas mileage by 33 percent on the highway and 5 percent in town.  - Progressive offers customers a Paperless Policy option in order to reduce the amount of policy-related paper documents they receive. Having policy documents delivered electronically saves trees, expedites document delivery, and reduces the chances of misplacing documents. Progressive also offers a discount ranging from 1 to 5 percent to customers who choose to go paperless.

 

8.3. Describe the ways in which the identified opportunities affect or could affect your business and your value chain.
- Sponsorship of the Progressive Insurance Automotive X Prize (PIAXP) is about two organizations that support innovation coming together in a way that can make a real difference in people’s lives. We are thrilled to be a part of the PIAXP.  It will move society further, faster toward developing more fuel-efficient car choices for consumers.  - Usage based insurance has the potential to result in customers driving less and in safer ways which in theory would decrease claims frequency and severity. - By moving to a more electronic environment, we increase efficiency, reduce printing and mailing costs, and make it easier for our agents, customers, and vendors to do business with us.

 

8.4. Are there financial implications associated with the identified opportunities?
Yes

 

8.5. Please describe them.
- Progressive, as the title sponsor of the Progressive Insurance Automotive X Prize (PIAXP), is providing the money for the prize purse. Altogether, over the years we’ll provide the PIAXP with about $12.5 million. This amount includes the prize purse and some funding of prize operations to ensure the competition is successful.  Our PIAXP competition sponsorship increases consumer awareness of our business.  - Because we’ve invested significant resources into the usage-based insurance product for research and development over the past decade to develop proprietary data, for competitive reasons, there are some details we don’t publicly release, including costs/investment information.  - Paperless products increase operations efficiency and eliminate printing and mailing costs.

 

8.6. Describe any actions the company has taken or plans to take to exploit the opportunities that have been identified, including the investment needed to take those actions.

- Progressive, as the title sponsor of the Progressive Insurance Automotive X PRIZE, is providing the money for the prize purse. Altogether, over the years we’ll provide the PIAXP with about $12.5 million. This amount includes the prize purse and some funding of prize operations to ensure the competition is successful.   - Because we’ve invested significant resources into the usage-based insurance product for research and development over the past decade to develop proprietary data, for competitive reasons, there are some details we don’t publicly release, including costs/investment information.

 

Strategy

Strategy

9.1. Please describe how your overall group business strategy links with actions taken on risks and opportunities (identified in questions 3 to 8), including any emissions reduction targets or achievements, public policy engagement and external communications.
As an insurance company, managing risk is inherent to our business and strategies.  We have comprehensive business continuity plans in place for all business critical areas and deploy specially trained catastrophe teams to help customers in severe weather conditions. In 2009, we validated our baseline emission measures to provide a solid baseline for establishing potential reduction targets in the future. Information on our achievements and ongoing efforts can be found on the company social responsibility website at http://progressive.com/socialresponsibility.

 

9.2. Do you have a current emissions reduction target? 
No

 

9.3. Please explain why not and forecast how your Scope 1 and Scope 2 emissions will change over the next 5 years. (If you do not have a target)
While we do not currently have a formal GHG emissions reduction plan, we have made concerted efforts in that direction to lay the groundwork to evaluate one. The following are the key steps we have taken: - Established the position of social responsibility manager who is responsible for coordinating  Progressive’s various social responsibility initiatives including areas impacting climate change.  One of the major areas of focus is our sustainability efforts and how we measure, set goals, report and communicate our progress.  - Hired consultant ClearCarbon Inc. to quantify our carbon emissions data for the 2010 CDP and validate the data that was reported in 2009 CDP.  This will establish a baseline measure for our carbon emissions. - It is our expectation that our Scope 1 and Scope 2 emissions will decline over the next five years as we continue to incorporate energy management initiatives as well as manage our space more efficiently.

 

9.4. Please give details of the target(s) you are developing and when you expect to announce it/them. (If you are in the process of developing a target)

 

9.5. Please explain if you intend to set a new target. (If you have had a target and the date for completing it fell within your reporting year, please answer questions 9.5 and 9.6)

 

Strategy - Emission Reduction Activities

9.6. Is question 9.7 relevant for your company?
Yes

 

9.7. Please use the table below to describe your company’s actions to reduce its GHG emissions.

 

1. Actions - please describe	2. Annual energy saving	3. Annual energy savings - number	4. Annual energy saving - units	5. Annual emission reduction in metric tonnes CO2-e	6. Reduction - achieved or anticipated	7. Investment - number	8. Investment - currency	9. Monetary savings - number	10. Monetary savings - currency	11. Monetary savings	12. Timescale of actions & associated investments (if relevant)
Energy Management Program	Achieved	7854603	kWh (kilowatt-hour)	5175	Achieved			557717	USD($)	Achieved	2009

 

9.9. Please provide any other information you consider necessary to describe your emission reduction activities.
- By using our space more efficiently and reducing our surplus space, we reduced our real estate portfolio by 612,172 square feet.  Which, in turn, reduces our energy consumption. -Through server virtualization, a “host” server traditionally used for a single job is compartmentalized into 15 to 20 virtual machines. This results in more than 6,000 kilowatts (kWh) in energy savings.  In 2008, with more than 5,000 Windows® servers, we started server virtualization. By the end of 2009, 2,545 servers (43.44% of our total server population) were virtual, an energy savings of more than 16 million kWh. Our goal is 100% server virtualization by 2013.  - We formally offered flexible work arrangements to staff, like condensed work weeks and working from home.  Adding to the hundreds of us who already had informal flexible work arrangements in 2008, 3,604 of our co-workers now enjoy a healthier work/life balance as well as less time in the car. - A quarter of our computer monitors were LCDs, which use one-third of the energy of CRT monitors.  We are continuing to replace CRTs with LCDs. - For some of our landscaping equipment, we use bio-diesel fuel.

 

9.10. Do you engage with policy makers on possible responses to climate change including taxation, regulation and carbon trading?
No

 

Further Information

The annual emissions reduction number in question 9.7 was derived by using an average emissions factor for our company as the energy reductions are not identified by location.

 

GHG Emissions Accounting, Energy and Fuel Use, and Trading

Emissions Boundary - (1 Jan 2009 - 31 Dec 2009)

10.1. Please indicate the category that describes the company, entities, or group for which Scope 1 and Scope 2 GHG emissions are reported.
Companies over which financial control is exercised per consolidated audited financial statements.

 

10.2. Are there are any sources (e.g. facilities, specific GHGs, activities, geographies, etc.) of Scope 1 and Scope 2 emissions within this boundary which are not included in your disclosure?
No

 

Methodology - (1 Jan 2009 -  31 Dec 2009)

11.1a. Please give the name of the standard, protocol or methodology you have used to collect activity data and calculate Scope 1 and Scope 2 emissions and/or describe the procedure you have used (in the text box in 11.1b below).

The Greenhouse Gas Protocol: A Corporate Accounting and Reporting Standard (Revised Edition)

 

11.1b. Please describe the procedure that you use.
Progressive asked the consulting firm ClearCarbon to calculate its 2009 GHG inventory.  ClearCarbon maintains a current database of emission factors, global warming potentials, and emission calculations.  By using this central application, Progressive ensures that the most current emission factors are used; enforces referential integrity to make sure all of the data are calculated properly; and codifies business rules and procedures into a common framework that is repeatable and has undergone rigorous testing and validation processes.  Scope 1 and 2 emissions were calculated for the Progressive owned and leased facilities, and Progressive vehicle fleet. Facilities data were calculated based on activity data collected from the facilities where possible, and estimations based on cost or facility area were used for facilities where activity data was not available. Activity data were supplied in the form of monthly or annual invoices for electricity, diesel, and gasoline purchases. Progressive was able to track fuel consumption for a majority of its vehicles.  Global warming potentials were used to convert N2O and CH4 emissions into CO2e.  HFCs were determined to be de minimis, and no PFCs or SF6 were emitted by Progressive and therefore are not included in this inventory.

 

11.2. Please also provide the names of and links to any calculation tools used.

Other: ClearCarbon Internal Application

 

11.3. Please give the global warming potentials you have applied and their origin.

Gas	Reference	GWP
Carbon dioxide	IPCC Second Assessment Report (SAR - 100 year)	1
Methane	IPCC Second Assessment Report (SAR - 100 year)	21
Nitrous oxide	IPCC Second Assessment Report (SAR - 100 year)	310

 

11.4. Please give the emission factors you have applied and their origin.

Fuel/Material	Emission Factor	Unit	Reference
Distillate fuel oil No 2	22.45	lb CO2-e per gallon	WRI Emission Factors Compilation from Cross-Sector Tools.  Version 1.0.  July 2009.
Natural gas	117.97	Other: lb CO2-e per mcf	WRI Emission Factors Compilation from Cross-Sector Tools.  Version 1.0.  July 2009.
Jet kerosene	21.32	lb CO2-e per gallon	WRI Emission Factors Compilation from Cross-Sector Tools.  Version 1.0.  July 2009.
Gas/Diesel oil	22.40	lb CO2-e per gallon	WRI Emission Factors Compilation from Cross-Sector Tools.  Version 1.0.  July 2009.
Motor gasoline	19.56	lb CO2-e per gallon	WRI Emission Factors Compilation from Cross-Sector Tools.  Version 1.0.  July 2009.
Other: Electricity (AKGD)	361.83	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (AZNM)	385.87	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (CAMX)	213.09	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (ERCT)	389.52	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (FRCC)	388.16	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (HIMS)	450.07	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (HIOA)	533.73	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (MROE)	540.50	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (MROW)	536.76	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (NEWE)	273.89	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (NWPP)	265.83	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (NYCW)	239.64	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (NYLI)	452.64	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (NYUP)	212.36	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (Ontario)	104.07	lb CO2-e per million BTU	Greenhouse Gas Division, Environment Canada
Other: Electricity (RFCE)	335.63	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricty (RFCM)	460.72	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (RFCW)	453.03	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (RMPA)	554.49	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (SPNO)	577.62	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (SPSO)	488.04	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (SRMV)	300.00	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (SRMW)	539.24	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (SRSO)	438.91	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (SRTV)	445.01	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (SRVC)	334.46	lb CO2-e per million BTU	EPA eGRID2007 Version 1.1 December 2008 (Year 2005 Data)
Other: Electricity (Victoria)	788.06	lb CO2-e per million BTU	Australian Government Department of Climate Change:  National Greenhouse Accounts (NGA) Factors.  June 2009.

Emissions Scope 1 - (1 Jan 2009 - 31 Dec 2009)

12.1. Please give your total gross global Scope 1 GHG emissions in metric tonnes of CO2-e.
41208

 

12.2. Please break down your total gross global Scope 1 emissions in metric tonnes CO2-e by country/region.

 

Country	Scope 1 Metric tonnes CO2-e
United States of America	41204
Australia	4

 

12.6. Please break down your total gross global Scope 1 emissions by GHG type. (Only data for the current reporting year requested.)

 

GHG Type	Scope 1 Emissions (Metric tonnes)	Scope 1 Emissions (Metric tonnes CO2-e)
CO2	40950.00	40951
CH4	2.00	40
N20	1.00	217

 

12.8. Please give the total amount of fuel in MWh that your organization has consumed during the reporting year.
178779

12.10. Please complete the table by breaking down the total figure by fuel type.

 

Fuels	MWh
Distillate fuel oil No 2	918.00
Jet kerosene	2534.00
Gas/Diesel oil	98.00
Motor gasoline	136603.00
Natural gas	38626.00

 

 

12.12. Please estimate the level of uncertainty of the total gross global Scope 1 figure that you have supplied in answer to question 12.1 and specify the sources of uncertainty in your data gathering, handling, and calculations.

Uncertainty Range	Main sources of uncertainty	Please expand on the uncertainty in your data
More than 2% but less than or equal to 5%	Data GapsAssumptions	The Scope 1 emissions that were estimated were Natural Gas emissions from Onsite Fuel.  The total Natural Gas emissions from Onsite Fuel were 7030, of which 3682 were estimated (8.94%).  Of the 8.94% estimated, 1.48% was based on 2008 data.

 

Emissions Scope 2 - (1 Jan 2009 -  31 Dec 2009)

13.1. Please give your total gross global Scope 2 GHG emissions in metric tonnes of CO2-e.
134150

 

13.2. Please break down your total gross global Scope 2 emissions in metric tonnes of CO2-e by country/region.

 

Country	Metric tonnes CO2-e
United States of America	134146
Australia	3

 

13.6. How much electricity, heat, steam, and cooling in MWh has your organization purchased for its own consumption during the reporting year?

 

Please supply data for these energy types.	MWh
Electricity	203627

 

13.8. Please estimate the level of uncertainty of the total gross global Scope 2 figure that you have supplied in answer to question 13.1 and specify the sources of uncertainty in your data gathering, handling, and calculations.

 

Uncertainty range	Main sources of uncertainty in your data	Please expand on the uncertainty in your data.
More than 5% but less than or equal to 10%	Data GapsAssumptions	We lease multiple buildings for our claims operations.  Some of which electricity is paid within our rent structure so detailed electricity usage is not available.  Of the 134150 metric tonnes CO2-e total Scope 2 emissions, 26714 metric tonnes CO2-e were estimated (19.91%).  Of the 19.91% of emissions estimated, 16.56% were estimated based on building usage apllied by square feet.  The remaining 3.35% estimated were based on 2008 data.

 

Emissions Scope 2 Contractual

14.1. Do you consider that the grid average factors used to report Scope 2 emissions in question 13 reflect the contractual arrangements you have with electricity suppliers?
Yes

 

14.4. Has your organization retired any certificates, e.g. Renewable Energy Certificates, associated with zero or low carbon electricity within the reporting year or has this been done on your behalf?
No

 

Emissions Scope 3

Is question 15.1 relevant to your company?

No

 

15.2. Please explain why not.
This is the second year we have reported emissions data and the first year that we contracted with an external consulting firm to compile our information.  Our efforts were focused on Scope 1 and Scope 2 emissions to ensure accuracy.  The data for Scope 3 emissions is not readily available to report emissions.

 

Emissions Scope 7

16.1. Does the use of your goods and/or services enable GHG emissions to be avoided by a third party?
No

 

16.2. Please provide details including the anticipated timescale over which the emissions are avoided, in which sector of the economy they might help to avoid emissions and their potential to avoid emissions.

Is question 17.1 relevant to your company?
No

 

17.2. Please explain why not.
No, we do not have any carbon dioxide emissions from the combustion of biologically sequestered carbon.

 

Emissions 8

18.1a. Please describe a financial intensity measurement for the reporting year for your gross combined Scope 1 and Scope 2 emissions.
If you do not consider a financial intensity measurement to be relevant to your company, select "Not relevant" in column 5 and explain why in column 6.

 

Figure for Scope 1 and Scope 2 emissions	GHG units	Multiple of currency unit	Currency unit	Financial intensity metrics	Please explain if not relevant. Alternatively provide any contextual details that you consider relevant to understand the units or figures you have provided.
12000.00	Kilograms CO2-e	Million	USD($)	Revenue	Total CO2e emissions (kg of Co2e): 2008 - 183,962.000 2009 - 175,358,000 % Change - (4.67%)  Total Revenue: 2008 - $12,840,100,000 2009 - $14,563,600,000 % Change - (13.42%)  CO2e/$/year: 2008 - 0.0143 2009 - 0.0120 % Change - (16%)  While the decrease in emissions intensity per revenue dollar is positive, the fact that we achieved absolute reductions in a growth year in the absence of a formal carbon reduction plan is extremely positive.

 

18.1b. Please describe an activity-related intensity measurement for the reporting year for your gross combined Scope 1 and Scope 2 emissions.

Oil and gas sector companies are also asked to report activity-related intensity metrics in answer to table O&G1.3.

If you do not consider an activity-related intensity measurement to be relevant to your company, select "Not relevant" in column 3 and explain why in column 4.

 

Figure for Scope 1 and Scope 2 emissions	GHG units	Activity-related metrics	Please explain if not relevant. Alternatively provide any contextual details that you consider relevant to understand the units or figures you have provided.
5.73	Metric tonnes CO2-e	per full-time equivalent employee	Total CO2e emissions (tons of Co2e) (Facilities Only): 2008 - 148,741 2009 - 141,422 % Change - (4.92%)  Total Employee Count (Full-Time Equivalent): 2008 - 25,929 2009 - 24,661 % Change - (4.89%)  CO2e/$/year: 2008 - 5.74 2009 - 5.73 % Change - (.01%)  The decrease in emission intensity per employee is notable because, while the employee count decreased, the emissions decreased at a greater rate.
1.60	Metric tonnes CO2-e	Other: per 100 Square Feet	Total CO2e emissions (tons of Co2e) (Facilities Only): 2008 - 148,741 2009 - 141,422 % Change - (4.92%)  Total Square Footage: 2008 - 9,005,883 2009 - 8,814,856 % Change - (2.12)  CO2e/Square Foot 2008 - 0.0165 2009 - 0.0160 % Change - (3.0%)

 

19.1. Do the absolute emissions (Scope 1 and Scope 2 combined) for the reporting year vary significantly compared to the previous year?
Yes

 

19.2. Please explain why they have varied and why the variation is significant.
Our 2009 Scope 1 and Scope 2 emissions have decreased by 4.67% from 2008.  Total emissions were 175358 metric tonnes of CO2-e in 2009 compared with 183962 metric tonnes of CO2-e in 2008.  Scope 1 emissions were 41208 metric tonnes of CO2-e in 2009 compared with 42799 metric tonnes of CO2-e in 2008.  A decline of 3.72%.  Scope 2 emissions were 134150 metric tonnes of CO2-e in 2009 compared with 141163 metric tonnes of CO2-e in 2008.  A decline of 4.97%.  The reduction in emissions are primarily due to our efforts to reduce energy consumption as a result of our energy management initiative and our efforts to better utilize our space which resulted in a contraction of our leased portfolio.

 

20.1A. Please complete the following table indicating the percentage of reported emissions that have been verified/assured and attach the relevant statement.

 

Scope 1 (Q12.1)	Scope 2 (Q13.1)	Scope 3 (Q15.1)
Not verified	Not verified	Not verified

 

20.1B. I have attached an external verification statement that covers the following scopes:
Attachments

 

Emissions 9 Trading

21.1. Do you participate in any emission trading schemes?
No, we don't participate nor do we currently anticipate participating in any emissions trading scheme within the next two years.

 

21.2. Please complete the following table for each of the emission trading schemes in which you participate.

 

Scheme name	Period for which data is supplied.	Allowances allocated	Allowances purchased	Verified emissions - number	Verified emissions - units	Details of ownership
	Mon 01 Jan 0001 - Mon 01 Jan 0001

 

21.3. What is your strategy for complying with the schemes in which you participate or anticipate participating?

 

21.4. Has your company originated any project-based carbon credits or purchased any within the reporting period?
No

 

Climate Change Communications

Communications 1

Have you published information about your company’s response to climate change/GHG emissions in other places than in your CDP response?
No