Insuring a Better Future

Environmental Stewardship

Being mindful of our impact on the environment


A companywide effort to conserve

We take innovative steps to reduce our dependence on natural resources, aligned with our strategy to operate efficiently. From the way we manage our buildings, equipment, and sales and service fleet to how we design our business processes, we engage and encourage our employees, agents, customers, and vendors to participate in our sustainability efforts.


Managing energy and carbon emissions

Nearly a decade ago, we embarked on an ambitious journey to maximize the use of our office space; invest in building automation that adjusts heating, cooling, and lighting based on occupancy; and replace building infrastructure with more energy-efficient equipment.

Since then, we’ve lowered carbon emissions per policies in force (PIFs) by 58 percent and we’re committed to reducing it an additional 10 percent by 2022.

We will continue to invest in facilities, equipment, and company vehicles that are increasingly energy- and fuel-efficient. All of these actions support a goal to reduce carbon emissions, while also reducing the costs that our customers ultimately bear.


Carbon Emissions

See 2008-2018 results for these efforts below.

Over the past 11 years, we have actively and effectively managed the use of electricity, fuel and business travel. These efforts have resulted in a reduction of our carbon emissions1 per policy in force (PIF) by approximately 58 percent.

1Includes carbon emissions from electricity and natural gas consumption and fuel used by fleet vehicles, company aircraft and generators. The volume of carbon emissions from these sources has been estimated using actual real estate portfolio information and industry standard calculation methods. Starting in 2015, business airline and rental car travel have been included, using data provided by our contracted vendors.

Reducing paper consumption

As a technological leader in the insurance industry, we’ve been able to encourage more than 70 percent of our personal auto policyholders to switch to paperless policies. Beyond that, our employees have adopted virtual collaboration tools that have reduced the amount of paper we use to communicate with one another internally.

Despite serving 59 percent more policies, our use of paper has remained virtually unchanged since 2011. That’s a tremendous savings of CO2-consuming trees and the fuel required to process, transport, recycle, and print on paper.


Paper Utilization

See 2011-2018 results for these efforts below.

Through business innovation and behavior changes, our customers and employees have helped to reduce paper consumption per policy in force by 34 percent over the last eight years. To put this into perspective, the efficient use of paper saved almost 53,000 trees in 2018.

Diverting waste from landfills

Our campus locations have robust recycling programs for office paper, cardboard, aluminum cans, and plastic and glass bottles. Today, approximately 23 percent of the waste collected is diverted from landfills to recycling centers through these efforts. In 2019, we are removing the use of polystyrene and plastic from our company-sponsored food service operations wherever biodegradable alternatives are practical.

We encourage awareness of our consumption and disposal of resources through our annual Environmental Awareness Week and America Recycles Day campaigns.


Recycled vs. Landfill Waste Content
Through ongoing efforts by our employees, our waste diversion from landfills continues to rise, resulting in positive impacts on our environment.