The seal certifies insurance products through a series of parameters: promoting social and environmental sustainability and transparency.

These products are presented by insurance companies that must be registered at the observatory. This registry is carried out based on an assessment of different criteria focusing on the ethical and supportive dimension of the organization.

The commercialization of the product must also be carried out through managers (brokers and brokerages) that have registered and have been assessed by the observatory under these criteria.

Criteria assessed by the registry of insurance and commercialization companies

• Assessment of CSR (yes/no, external or self-declared with a commitment to externalise it)
• Ethical investment (Ethical finances and/or SRI) product only
• Ethics committee (yes/no) or entity engaged in supportive social economy
• Ethical banking user (yes/no, % on treasury / budget)

Criteria used for assessing the products

• Promotion of social sustainability
• Transparency
• Promoting environmental sustainability only property insurance
• Level of involvement in project 

Diagram on how the registration of insurance entities and managers works.

Diagram on how a product certification works.

Product Certification
Property and damage insurances (*)
Assessed criterion			RC3 +RG2			RC3 +RG2		Explanations	Evolution
Fostering social sustainability				*  (min2)	*	*		Fostering social sustainability
Specific for a group				(*)	(*)	(*)		Social and Solidarity based Economy. Social Movement. Cultural. Environment
Collaboration with a group		(*)	(*)	(*)	(*)	(*)		0,7%. Support to publications. Recolzament publicacions. Stake in benefits
Risk assessment criterion and establish premiums				(*)	(*)	(*)		Description=Statutes. Big-Small. Territories
Claims assessment criterion				(*)	(*)	(*)		Claims based on global
Transparency	*	*	*	*	*	*		Transparency
Clauses								Responsible marketing oberved in CSR
Management								Verify clauses and management protocols. Breakdown of premiums
Fostering environmental sustainability	* (min3)	*	*	*	* (min3)	*		Fostering environmental sustainability
Renewable energies	(*)	(*)	(*)	(*)	(*)	(*)		Inclusion of coverage (Claims, PB…)
Energy saving	(*)	(*)	(*)	(*)	(*)	(*)		Bonus if energy audit is proven
Climate change	(*)	(*)	(*)	(*)	(*)	(*)		CO2 emissions compensation: replanting of trees...
Us of resources and waste management	(*)	(*)	(*)	(*)	(*)	(*)		Fostering and suppliers control commitment
Public transports	(*)	(*)	(*)	(*)	(*)	(*)		Fostering commitment
Certification	B	B+	B++	A	A+	A++
Personal insurance (**) and Civil Responsability insurance (***)
Assessed criterion			RC3 +RG2			RC3 +RG2		Explanations	Evolution
Fostering social sustainability				*  (min2)	*	*		Fostering social sustainability
Specifc for a group				(*)	(*)	(*)		Social and Solidarity based Economy. Social Movement. Cultural. Environment
Collaboration with a group		(*)	(*)	(*)	(*)	(*)		0,7%. Support to publications. Recolzament publicacions. Stake in benefits
Risk assessment criterion and establishing premiums				(*)	(*)	(*)		Description=Statutes. Big-Small. Territories
Claims assessment criterion				(*)	(*)	(*)		Claims based on global
Transparency	*	*	*	*	*	*		Transparency
Clauses								Responsible marketing oberved in CSR
Management								Verify clauses and management protocols. Breakdown of premiums
Certification	B	B+	B++	A	A+	A++
KIND of insurance coverage:
	(*)	Property and Damage insurance Cars, Multi-risck: Housing, Trade, SME's, Full coverage, Technical, Agriculture, Contingencies, Credits, Surety, Legal Assessment, Travel Assistance.
	(**)	Personal insurance Accidents, Life, Health
	(***)	Civil Responsability insurance Distinction between CR insurance and Property and Damage insurance because CR insurance policy can not include measures to promote environmental sustainability in relation to an existing insured well.
		see section on criteria for the registration of companies and managers