Forward-thinking solutions

For ERGO, sustainability is also reflected in insurance solutions. When we develop new products, doing justice to changing customer needs and protecting the environment come high up on our priority list, as well as accompanying new technological developments.

Nachhaltige Produkte

ERGO provides a broad spectrum of insurance products and services which take environmental issues into account. Other insurance solutions address social challenges. For example, microinsurance products, modelled on the microcredit principle, are becoming ever more popular in developing and emerging nations such as India. They help to secure livelihoods, e.g. following earthquakes or floods.

The consideration of ethical, social and governance aspects – in short: ESG aspects - is firmly incorporated in our product development process. We also live up to our corporate responsibility with our responsible underwriting policy. In particular, we want to contribute to mitigating the impact of climate change and support the transition to renewable energies with our products. Our Group consequently took the decision to not insure any new coal-fired power plants or coal mines.

Eco-insurance policies

Sustainability is also reflected in specific insurance solutions answering to technological developments. ERGO also supports customers who are ecology-minded by extending its care for the environment into its product range.


Our India-based joint venture HDFC ERGO, which has been developing and selling insurance products for rural contexts since 2008, offers a diverse range of microinsurance solutions such as health, accident, fire insurance or specific cover for livestock and equipment essential to people’s livelihoods.