Our environmental principle combines the responsible use of resources, energy efficiency and CO2 reduction in our business with a responsible investment policy that focuses on climate-friendly industries.

Resource environment | Activities and focus

Our environmental policy: climate protection

Baloise’s environmental policy concentrates on supporting renewable energies, the value-adding expansion of infrastructure and measures for increasing the recycling rate. All activities contribute to climate protection. We handle natural resources responsibly and carefully. This responsibility comes into play when dealing with issues related to our own energy requirements, such as purchasing, investments and the procurement of products and third-party services, and is deeply incorporated in our Vendor Code of Conduct (PDF, 419 KB). Baloise has been publishing a group-wide life cycle assessment since 1998.

All activities contribute to climate protection and and promoting the achievement of the UN Sustainable Development Goals, in particular No. 7 (affordable and clean energy), No. 9 (industry, innovation and infrastructure), No. 12 (responsible consumption and production) and with a special focus on No. 13 (climate action).

Responsible Investment Policy 

The Responsible Investment Policy (RI Policy) for insurance assets integrates environmental and social criteria, as well as criteria for corporate governance, in investment decisions. In addition to this, the Responsible Investment Policy was also expanded to include all products managed by Baloise Asset Management on behalf of third-party customers. Our new climate strategy came into effect on 1 February 2021, and reinforces the focus on the issue of climate and climate protection within our responsible investment approach. To express our commitment, Baloise signed the Principles of Responsible Investment (PRI) in 2018.

Real Estate

Baloise Asset Management also includes the Real Estate division. Baloise is one of the largest property owners in Switzerland. For us as a responsible investor, sustainable real estate investments and long-term returns are closely linked. In the case of new construction projects, we strive for certification - in the case of renovation projects, this is checked on a situational basis. As a strategic instrument, the CO2 emissions for the entire real estate portfolio are calculated based on a uniform scale and modelled until the year 2050, taking into account all maintenance measures. This enables a constant comparison of emission with the overarching climate goals and visualises the impact of the planned measures on the CO2 emissions reductions.


Environmental impact

Reduction of CO2 emissions and life cycle assessment

As an insurance company, Baloise is not a producer of goods. The greatest energy requirements at the Baloise sites come in the form of electrical power and heating energy consumption. We consider energy efficiency in the IT infrastructure and in our buildings at all sites, and have thus been able to consistently reduce our CO2 emissions for years. This reduction is documented in our enviromental audit (PDF, 79 KB). In addition to general material and energy flows, we calculate our absolute and relative CO2 emissions according to VfU guidelines. Since 2000, Baloise has achieved huge reductions in both absolute and relative CO2 emissions. In absolute terms, emissions have been cut by 74.4 per cent.

When it comes to our climate-friendly company buildings, we apply state-of-the-art construction standards and renovation methods and run the buildings in the most resource-saving manner possible. At all of our locations in Switzerland, Germany, Belgium and Luxembourg, we obtain 100 per cent of our electricity from renewable energies in buildings where we are able to determine the energy mix ourselves.

Promoting e-mobility and renewable energies

Baloise promotes e-mobility both through the gradual changeover its own fleet and through offers that enable its staff and other building tenants to charge their electric vehicles.

With a view to supporting the 2020 Electromobility Roadmap by the Swiss Federal Office of Energy, which aims to see 15 per cent electric vehicles among new registrations by 2022, a project was launched to promote charging infrastructure in Baloise properties. The promotion of e-mobility, in combination with the promotion of renewable energy, is also an integral part of Baloise’s operational ecology. At various locations, Baloise has its own charging stations that can be used free of charge by both staff and customers.

Employees: raising awareness and promoting climate-friendly mobility

By raising awareness among its staff and providing information about environmental issues, Baloise is also aiming to offer sustainable alternatives to provide staff with more possibilities for action. In addition to periodic information about the implementation of our environmental model, this also includes promoting sustainable mobility during working hours and while commuting. Such measures include:

  • The introduction of a bicycle leasing offering for employees in Belgium
  • The option for customers and employees in Basel and Zurich, Switzerland, to charge their electric cars with solar power free of charge
  • The provision of electric bicycles for our claims inspectors in Switzerland 
  • Promoting the use of public transport through discounts on ticket purchases
  • Employees are given the opportunity to use public transport whenever possible and to strictly separate waste


We create sustainable value.

Asset Management

Responsible Investment.