About

Insure Our Future is a global campaign of NGOs and social movements that hold the insurance industry accountable for its role in the climate crisis. We call on insurance companies to immediately stop insuring new fossil fuels and phase out support for existing coal, oil and gas projects. Read our 9 demands to insurers below.

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Our best insurance is to keep fossil fuels in the ground

Insurance companies play a significant role in determining the extent of the climate impacts that we all face. Without insurance, fossil fuel companies cannot dig new coal mines, build new tar sand pipelines and expand oil and gas production. Once built, fossil fuel infrastructure locks us into dirty and expensive energy that is causing climate change and harming public health. Read our letter to insurers and detailed demands here.

We have 9 demands to the insurance industry:

1
Immediately stop insuring new and expanded coal, oil, and gas projects across the entire value chain, including LNG infrastructure.
2
Immediately stop new or existing insurance services to companies engaged in fossil fuel expansion, or that are otherwise not aligned with a credible 1.5°C pathway with minimal to zero overshoot.
3
Immediately stop new investments and phase out existing investments in companies engaged in fossil fuel expansion.
4
Immediately adopt underwriting and investment targets that align with a global 6:1 ratio of Clean and Sustainable Energy supply relative to fossil fuels by 2030.
5
Immediately adopt insured emissions reductions targets, including customers’ scope 3 emissions for material sectors. Develop, disclose and implement comprehensive transition plans that include phasing out insurance coverage for fossil fuel companies and is aligned with a credible 1.5°C pathway with minimal to zero overshoot for all insurance services.
6
Use all available mechanisms to ensure insurance remains affordable and accessible for communities while supporting efforts to make polluters pay for climate disasters, for example by bringing fossil fuel companies to court.
7
Immediately establish, and adopt as policy, robust due diligence and verification mechanisms to ensure clients fully respect all human rights. Including a requirement that they obtain and document the Free, Prior, and Informed Consent (FPIC) of Indigenous Peoples; and consent of all other local communities.
8
Immediately exclude insurance services to high impact activities that are located in, or impact, areas of high biodiversity importance. Develop a broader policy on biodiversity and water protection incorporating robust due diligence and verification mechanisms.
9
Immediately align lobbying, political spending, fossil fuel customer stewardship, trade associations and public positions as a shareholder to limit warming to 1.5°C with minimal overshoot, under board oversight, transparent metrics, reporting and escalation protocols.
Read our 2025 demand letter to the insurance industry

Who we are

The Insure Our Future network includes national and global organisations and social movements.