ESG-орієнтований підхід до розвитку страхування майна
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Дата
2026
Назва журналу
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Назва тому
Видавець
Видавничий дім «Гельветика»
Анотація
Уточнено, що страхування є ключовим інститутом сталого фінансування, відіграє вагому роль в системі управління ризиками в міжнародній економіці, впливає на носія ризиків та інституційного інвестора, які зважують на екологічні, соціальні та управлінські фактори. Визначено, що ESG-орієнтований підхід до розвитку страхування майна інтегрує екологічні, соціальні та управлінські (ESG) критерії в андеррайтинг та управління ризиками, надаючи перевагу сталим, енергоефективним будівлям з кращою стійкістю до кліматичних ризиків. Також стимулює екологічну модернізацію спеціалізоване покриття для відновлюваної енергії або сталої мобільності. Встановлено, що ключовими аспектами ESG-орієнтований підхід до страхування майна є: екологічний (E), що зосереджений на кліматичній стійкості, стійкості до повеней та зменшенні вуглецевого сліду, який варто фокусувати на поширенні сстрахування відновлюваної енергетики; соціальний (S), що охоплює доступність захисту через інклюзивний доступ до страхових продуктів, зорієнтований на цільових клієнтів/події та сприяння соціальної інтеграції; управліньський (G), що передбачає прозору звітність, оцінку етичних ризиків та дотримання рекомендацій щодо сталого андеррайтингу.
It is clarified that insurance is a key institution of sustainable financing, plays a significant role in the risk management system, influences the risk bearer and institutional investor, who consider environmental, social and governance factors. The aim of the article is to substantiate the conceptual role of the ESG-driven approach to the transformation of the insurance business from providing risk management services for partial damage or total loss of property. It is recognized that as a financial risk management tool, property insurance plays a crucial role in providing monetary compensation for losses caused by catastrophic events. However, climate change may reduce the availability of insurance, limiting the growth of the sector and shifting more costs to governments and households. In addition, it is worth considering that climate risk is often exacerbated by policy fluctuations, especially those related to the climate and economic component, which, in turn, generates uncertainty at the macro level and affects insurance decision-making. It is emphasized that traditional insurance models face limitations in addressing increasingly complex and systemic climate threats. However, it is known that recent technological advances offer new tools to improve risk forecasting, claims processing and contract accuracy. Building on this, property insurance appears not only as a technical solution, but also as a socially mediated tool to mitigate the financial consequences of climate-related events. Understanding the drivers of insurance demand in the face of increasing climate risks can help insurers, policymakers and households improve risk management. It is determined that the ESG-approach to property insurance development integrates environmental, social and governance (ESG) criteria into underwriting and risk management, giving preference to sustainable, energy-efficient buildings with better resilience to climate risks. Specialized coverage for renewable energy or sustainable mobility also stimulates environmental retrofitting. It was found that the key aspects of the ESG-driven approach to property insurance are: environmental (E), which focuses on climate resilience, flood resilience and reducing the carbon footprint, which should focus on the spread of renewable energy insurance; social (S), which covers the affordability of protection through inclusive access to insurance products, oriented towards target customers/events and promoting social inclusion; governance (G), which involves transparent reporting, ethical risk assessment and adherence to sustainable underwriting guidelines.
It is clarified that insurance is a key institution of sustainable financing, plays a significant role in the risk management system, influences the risk bearer and institutional investor, who consider environmental, social and governance factors. The aim of the article is to substantiate the conceptual role of the ESG-driven approach to the transformation of the insurance business from providing risk management services for partial damage or total loss of property. It is recognized that as a financial risk management tool, property insurance plays a crucial role in providing monetary compensation for losses caused by catastrophic events. However, climate change may reduce the availability of insurance, limiting the growth of the sector and shifting more costs to governments and households. In addition, it is worth considering that climate risk is often exacerbated by policy fluctuations, especially those related to the climate and economic component, which, in turn, generates uncertainty at the macro level and affects insurance decision-making. It is emphasized that traditional insurance models face limitations in addressing increasingly complex and systemic climate threats. However, it is known that recent technological advances offer new tools to improve risk forecasting, claims processing and contract accuracy. Building on this, property insurance appears not only as a technical solution, but also as a socially mediated tool to mitigate the financial consequences of climate-related events. Understanding the drivers of insurance demand in the face of increasing climate risks can help insurers, policymakers and households improve risk management. It is determined that the ESG-approach to property insurance development integrates environmental, social and governance (ESG) criteria into underwriting and risk management, giving preference to sustainable, energy-efficient buildings with better resilience to climate risks. Specialized coverage for renewable energy or sustainable mobility also stimulates environmental retrofitting. It was found that the key aspects of the ESG-driven approach to property insurance are: environmental (E), which focuses on climate resilience, flood resilience and reducing the carbon footprint, which should focus on the spread of renewable energy insurance; social (S), which covers the affordability of protection through inclusive access to insurance products, oriented towards target customers/events and promoting social inclusion; governance (G), which involves transparent reporting, ethical risk assessment and adherence to sustainable underwriting guidelines.
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Нечипорук, Л. ESG-орієнтований підхід до розвитку страхування майна [Текст] / Л. Нечипорук, Л. Лисенко // Цифрова економіка та економічна безпека : науково-практичний журнал / Причорноморський науково-дослідний інститут економіки та інновацій, Сумський державний педагогічний університет імені А. С. Макаренка ; [редкол.: О. Ю. Кудріна (гол. ред.), В. В. Божкова, Р. А. Дименко, І. М. Зеліско та ін.]. – 2026. – № 3 (24). – С. 267–271. – DOI: https://doi.org/10.32782/dees.24-35