Sustainability Policy

Introduction

Sustainability is at the heart of our commitments as an insurance broker. In accordance with the European SFDR Regulation (EU) 2019/2088, we undertake to integrate environmental, social and governance (ESG) criteria into our advisory practices and our recommendations on insurance and investment.

Taking sustainability risks into account

In accordance with the SFDR Regulation, we assess, in addition to the relevant financial risks, the relevant sustainability risks, in so far as that information is available for the products we advise on. Specifically, this means that we assess environmental, social or governance events which, if they occur, could have a material negative impact on the value of the investment.

We integrate sustainability risks by taking environmental, social and governance criteria into account in our product selection. We favour insurance and investment solutions that meet high standards of social and environmental responsibility. We also analyse insurers' commitments in relation to sustainable finance and the ecological transition.

The concept and rules relating to sustainability risks and factors in European and national legislation are still incomplete and will continue to evolve. As new measures come into force and regulatory guidance becomes available, we will adapt our approach and provide you with further information on our policy for integrating sustainability risks into our advice and practices.

Remuneration policy and sustainability

We ensure that our internal remuneration policy relating to advice on insurance-based investment products promotes sound and effective management of sustainability risks and does not encourage excessive risk-taking with respect to those risks.

Principal adverse sustainability impacts

In accordance with the SFDR Regulation, we assess the principal adverse sustainability impacts against the following criteria:

the environmental impact of investment products, in particular their contribution to the energy transition and the reduction of carbon emissions;
the social policy of the companies underlying the products advised on, including working conditions and equal opportunities;
the governance of issuing companies, by analysing their transparency, their anti-corruption policy and their respect for shareholder rights.

We review the information provided on the product concerned and check whether the provider integrates sustainability criteria appropriately.

We continuously strive to integrate the most significant adverse impacts on sustainability factors into our advice.

For further detail on principal adverse sustainability impacts, we also invite you to read the information published by the product providers.

Integrating sustainability risks into our advice

In our insurance and investment product advisory business, we take sustainability risks into account in our recommendations, on the basis of the following:

Product analysis: we examine the sustainability commitments of insurers and asset management companies.
Tailored advice: we take our clients' sustainability preferences into account in order to propose solutions that match their expectations.
Continuous updating: our approach evolves alongside new regulations and industry practices.

Transparency and evolution

The regulatory framework relating to sustainability continues to evolve. We undertake to adapt our policy in line with new obligations and the recommendations of the supervisory authorities.

For any question about our approach to sustainability, you can contact us at the following address: iceassurances@yahoo.fr.