This white paper explores how property and casualty insurers can incorporate environmental, social, governance, and climate risks into underwriting by clearly defining and owning their risk appetite. Once viewed as emerging risks, ESG‑C factors are now central to underwriting and strategic decisions, drawing increased attention from senior management. The paper discusses shifting industry expectations, regulatory pressure, and stakeholder demands that are driving insurers to embed ESG considerations into core underwriting processes. It emphasizes the importance of consistent frameworks, governance, and analytics to assess ESG‑C risks effectively, align underwriting practices with strategic objectives, and strengthen long‑term resilience, profitability, and accountability across insurance p

Join for free to read