Types of EthSI mark
Based on the values promoted by EthSI, a set of types of mark is established for insurance companies, brokers and managers another type for insurance products.
insurance companies
Insurance brokers
Insurance
insurance companies
Choose the level of application of the EthSI mark:
E3 Insurance
E2 Insurance
E1 Insurance
E3 Insurance
Responsibility with the community and the local area
- Local cultural protection concerning internal and external communication
- Network participation and/or work with regional bodies
- Promotion of the local economy
- Product catalog
– Marketing and comprehensible writing of products
– Close, agile and simple customer service
– Social and solidarity orientation of the products
Fairness – Social and solidarity-based orientation of products
- Respect for customers (transparent sales; comprehensible products sales; friendly, flexible, simple customer service)
Respect for society (products that meet social needs based on policies and activities carried out by drawing up and publishing a sustainability or CSR report or social balance sheet (XES, REAS, Social Market))
.
Economic responsibility
- Purchasing in the social and solidarity-based economy
- Impact on suppliers
- Economic surplus
- Fiscal responsibility
Environmental responsibility
- Legal compliance
- Sustainability policies
- Energy and consumption indicators
- Waste management
Employment responsibility
- Wages policy
- Equality or gender policy
- Inclusion policy
- Employment quality (training; conciliation; type of contract)
Structure of society, governance and democratic operation
- Balancing interest groups
- Cooperativism, mutualism and the solidarity-based economy
- Labour relations and participation in the organisation
Ethical banking user
- Operating with cooperative and/or ethical banks
- Management of at least 10% of cash reserves using ethical banking
Responsible/ethical investment
- Commitment to adopting ethical investment measures and criteria
- Investment management policies under ethical criteria
- % of total volume of investments managed under ethical criteria
E2 Insurance
Responsibility with the community and the local area
- Local cultural protection concerning internal and external communication
- Network participation and/or work with regional bodies
- Promotion of the local economy
- Product catalog
– Marketing and comprehensible writing of products
– Close, agile and simple customer service
– Social and solidarity orientation of the products
Fairness – Social and solidarity-based orientation of products
- Respect for customers (transparent sales; comprehensible products sales; friendly, flexible, simple customer service)
Respect for society (products that meet social needs based on policies and activities carried out by drawing up and publishing a sustainability or CSR report or social balance sheet (XES, REAS, Social Market))
.
Economic responsibility
- Purchasing in the social and solidarity-based economy
- Impact on suppliers
- Economic surplus
- Fiscal responsibility
Environmental responsibility
- Legal compliance
- Sustainability policies
- Energy and consumption indicators
- Waste management
Employment responsibility
- Wages policy
- Equality or gender policy
- Inclusion policy
- Employment quality (training; conciliation; type of contract)
Structure of society, governance and democratic operation
- Balancing interest groups
- Cooperativism, mutualism and the solidarity-based economy
- Labour relations and participation in the organisation
Ethical banking user
- Operating with cooperative and/or ethical banks
- Management of at least 10% of cash reserves using ethical banking
Responsible/ethical investment
- Commitment to adopting ethical investment measures and criteria
- Investment management policies under ethical criteria
- % of total volume of investments managed under ethical criteria
E1 Insurance
Responsibility with the community and the local area
- Local cultural protection concerning internal and external communication
- Network participation and/or work with regional bodies
- Promotion of the local economy
- Product catalog
– Marketing and comprehensible writing of products
– Close, agile and simple customer service
– Social and solidarity orientation of the products
Fairness – Social and solidarity-based orientation of products
- Respect for customers (transparent sales; comprehensible products sales; friendly, flexible, simple customer service)
Respect for society (products that meet social needs based on policies and activities carried out by drawing up and publishing a sustainability or CSR report or social balance sheet (XES, REAS, Social Market))
.
Economic responsibility
- Purchasing in the social and solidarity-based economy
- Impact on suppliers
- Economic surplus
- Fiscal responsibility
Environmental responsibility
- Legal compliance
- Sustainability policies
- Energy and consumption indicators
- Waste management
Employment responsibility
- Wages policy
- Equality or gender policy
- Inclusion policy
- Employment quality (training; conciliation; type of contract)
Structure of society, governance and democratic operation
- Balancing interest groups
- Cooperativism, mutualism and the solidarity-based economy
- Labour relations and participation in the organisation
Ethical banking user
- Operating with cooperative and/or ethical banks
- Management of at least 10% of cash reserves using ethical banking
Responsible/ethical investment
- Commitment to adopting ethical investment measures and criteria
- Investment management policies under ethical criteria
- % of total volume of investments managed under ethical criteria
Insurance brokers
Choose the level of application of the EthSI mark:
E2 Management
E1 Management
E2 Management
Responsibility with the community and the local area
- Local cultural protection concerning internal and external communication
- Network participation and/or work with regional bodies
- Promotion of the local economy
- Product catalog
– Marketing and comprehensible writing of products
– Close, agile and simple customer service
– Social and solidarity orientation of the products
Fairness – Social and solidarity-based orientation of products
- Respect for customers (transparent sales; comprehensible products sales; friendly, flexible, simple customer service)
Respect for society (products that meet social needs based on policies and activities carried out by drawing up and publishing a sustainability or CSR report or social balance sheet (XES, REAS, Social Market))
.
Economic responsibility
- Purchasing in the social and solidarity-based economy
- Impact on suppliers
- Economic surplus
- Fiscal responsibility
Environmental responsibility
- Legal compliance
- Sustainability policies
- Energy and consumption indicators
- Waste management
Employment responsibility
- Wages policy
- Equality or gender policy
- Inclusion policy
- Employment quality (training; conciliation; type of contract)
Structure of society, governance and democratic operation
- Balancing interest groups
- Cooperativism, mutualism and the solidarity-based economy
- Labour relations and participation in the organisation
Ethical banking user
- Operating with cooperative and/or ethical banks
- Management of at least 10% of cash reserves using ethical banking
Responsible/ethical investment
- Commitment to adopting ethical investment measures and criteria
- Investment management policies under ethical criteria
- % of total volume of investments managed under ethical criteria
E1 Management
Responsibility with the community and the local area
- Local cultural protection concerning internal and external communication
- Network participation and/or work with regional bodies
- Promotion of the local economy
- Product catalog
– Marketing and comprehensible writing of products
– Close, agile and simple customer service
– Social and solidarity orientation of the products
Fairness – Social and solidarity-based orientation of products
- Respect for customers (transparent sales; comprehensible products sales; friendly, flexible, simple customer service)
Respect for society (products that meet social needs based on policies and activities carried out by drawing up and publishing a sustainability or CSR report or social balance sheet (XES, REAS, Social Market))
.
Economic responsibility
- Purchasing in the social and solidarity-based economy
- Impact on suppliers
- Economic surplus
- Fiscal responsibility
Environmental responsibility
- Legal compliance
- Sustainability policies
- Energy and consumption indicators
- Waste management
Employment responsibility
- Wages policy
- Equality or gender policy
- Inclusion policy
- Employment quality (training; conciliation; type of contract)
Structure of society, governance and democratic operation
- Balancing interest groups
- Cooperativism, mutualism and the solidarity-based economy
- Labour relations and participation in the organisation
Ethical banking user
- Operating with cooperative and/or ethical banks
- Management of at least 10% of cash reserves using ethical banking
Responsible/ethical investment
- Commitment to adopting ethical investment measures and criteria
- Investment management policies under ethical criteria
- % of total volume of investments managed under ethical criteria
Insurance
Choose the level of application of the EthSI mark:
E3 Product
E2 Product
E1 Product
E3 Product
We will now detail the main criteria analysed to obtain the EthSI mark in insurance.
1
For level E3, they have to meet the next criterion:
- Transparency in the institution’s contracts and communications both in their clauses and their management.
2
As well as three of the following criteria:
- Non-discriminatory risk assessment and premium determination criteria.
- Specific product for a group
- Product including collaborations with groups
- Free incorporation of useful cover for customers or mutualists
- Claim assessment carried out, as appropriate
- Incorporation of clauses sensitive to situations of vulnerability (unemployment, for example)
- Inclusion of specific cover for renewable energies
- Promotion of energy-saving
- Promotion of sustainable waste management
3
Additionally, the company must comply with E1
E2 Product
We will now detail the main criteria analysed to obtain the EthSI mark in insurance.
1
For level E2 they have to meet the next criterion:
- Transparency in the institution’s contracts and communications both in their clauses and their management.
2
As well as more than three of the following criteria:
- Non-discriminatory risk assessment and premium determination criteria.
- Specific product for a group
- Product including collaborations with groups
- Free incorporation of useful cover for customers or mutualists
- Claim assessment carried out, as appropriate
- Incorporation of clauses sensitive to situations of vulnerability (unemployment, for example)
- Inclusion of specific cover for renewable energies
- Promotion of energy-saving
- Promotion of sustainable waste management
3
Additionally, the company must comply with E1
E1 Product
We will now detail the main criteria analysed to obtain the EthSI mark in insurance.
1
For level E1 they have to meet the next criterion:
- Transparency in the institution’s contracts and communications both in their clauses and their management.
2
As well as more than three of the following criteria:
- Non-discriminatory risk assessment and premium determination criteria.
- Specific product for a group
- Product including collaborations with groups
- Free incorporation of useful cover for customers or mutualists
- Claim assessment carried out, as appropriate
- Incorporation of clauses sensitive to situations of vulnerability (unemployment, for example)
- Inclusion of specific cover for renewable energies
- Promotion of energy-saving
- Promotion of sustainable waste management
3
Additionally, the company must comply with E1