ERGO – Sustainable insurance products and services
ERGO also follows the strategic principle of utilising its expertise responsibly and profitably. For example, societal changes such as the public’s heightened environmental awareness are taken into account in creating new insurance solutions.
The ERGO Insurance Group offers a wide range of primary insurance products and financial services. In developing these products, the Group gives special consideration to macro-societal processes. ERGO responded early to society’s growing environmental awareness. One example of a product catering to these client needs is a motor policy that offers rewards in the form of lower premiums to policyholders who have particularly environmentally friendly vehicles. The insurer also promotes renewable energy by offering the insurance protection needed to utilise the energy sources of the future. ERGO’s product portfolio also includes » microinsurance, i.e. insurance that has been adapted to suit the financial situations of relatively poor sections of the population in emerging and developing countries.
Advice on health and consumer issues
One of ERGO’s central goals is to offer its clients comprehensive and competent advice. The company advises consumers on topics such as motor vehicles, housing, careers, and family life. And ERGO’s health specialist, DKV, supplies its clients with extensive information and advice on health topics.
Environmental aspects are taken into account in many products. ERGO uses innovative insurance solutions to cover technical risks involved in generating electricity from renewable sources. ERGO also offers unit-linked annuity insurance under which the client’s capital is invested in the shares of companies known to do business in an environmentally and socially responsible manner. And should an incident impair the environment, ERGO ensures that the ecosystem affected is rehabilitated. » more
Global societal challenges influence product development. Many people in emerging countries cannot afford insurance cover. ERGO therefore offers policies, which are tailored to the financial situation and the living conditions of people in developing and emerging countries. But not only emerging countries do benefit from this solution - microinsurance for ERGO also means an economically sustainable investment in growing markets. » more
