Insure Our Future’s Eighth Report

Report by Insure Our Future

This year’s Insure Our Future Scorecard offers a timely and hard-hitting analysis of how the global insurance industry is shaping, and in many cases, worsening, the climate crisis. Now in its eighth edition, the report evaluates the climate policies and fossil fuel underwriting practices of 30 major insurers and reinsurers, shedding light on how these decisions impact both the energy transition and the affordability of coverage for communities worldwide. It also delves into 20 years of climate attribution science, drawing a clear connection between past climate inaction and today’s mounting insurance crisis.

This report underscores the critical role insurance plays in either advancing or obstructing climate solutions. With insurers increasingly pulling back from high-risk areas while continuing to support fossil fuel expansion, the Scorecard highlights the urgent need for policy and regulatory reform.