logo image

Insurance Solutions

Formerly Moody’s RMS

ESG assessments for underwriting

Embedding ESG factors into the decision-making processes presents a new opportunity for (re)insurers to demonstrate a commitment to supporting sustainability initiatives while also adding new insights into their underwriting and portfolio management workflows. Insurance solutions experts at Moody’s bring over 30 years of experience helping P&C industry onboard and leverage new insights to improve decision-making, and ESG is no exception.

Proactively mitigate reputational and regulatory risk

Demonstrate clear, traceable, and credible ESG commitments to investors, consumers, and regulators.

Enhance decision-making for risk selection and pricing

Understand correlations between account ESG scores and insurance metrics to improve profitability.

Differentiate and unlock value with new products and services

Engage with customers in a more meaningful way while responding to stakeholder pressures.

Risk Paradigm

A new risk paradigm

In a rapidly changing business environment, firms face increasingly complex and interconnected risks including those arising from ESG. (Re)insurers play a key role in helping the global community address and prepare for these risks, but most firms are just beginning to understand how ESG impacts everyday business operations – from hindering your ability to raise capital, to attracting talent, or growing your business. Learn about the top drivers of ESG Risk.

View infographic

79% of


consider insurer commitments to environmental issues in purchasing decisions.* 

75% of


are in the process or have defined their ESG strategy.

50% of


are evaluating ESG as part of their underwriting and portfolio management strategies.

Partnering on ESG underwriting

By integrating Moody’s ESG solutions into the Intelligent Risk Platform from Moody's, we are equipping insurance underwriters and portfolio managers with consistent ESG data connected across their workflows to manage ESG risk, identify new growth opportunities, and enhance underwriting and portfolio management workflows.

analytical Icon

Credible insurance ESG analytics based on double materiality methodology, proprietary ESG datasets, and advanced risk modeling capabilities. 

umbrella Icon

Built with best-available public and private ESG data from over 10 thousand public and 290 million private companies. 

consulting Icon

Adjustable views of ESG risk for the underwriting and portfolio management processes. Customize scores based on over 30 ESG parameters across 51 industries.

tech-innovation Icon
Easy to deploy

Seamless integration with ExposureIQ streamlines the onboarding of new insights and accelerates time to value. 



Chaucer announces new collaboration with Moody’s to revolutionise the way businesses manage their ESG profile.

dirt road
Cincinnati Global

Cincinnati Global Underwriting Agency Ltd selects Moody's ESG Underwriting Solution

Ascot Group

Ascot Group Selects Moody's ESG Underwriting Solution

Operationalize ESG analytics with ExposureIQ

Access to ESG data alone often leaves insurers struggling to incorporate meaningful analytics into their decision-making process. With ExposureIQ running on the Intelligent Risk Platform, ESG analytics become just another risk factor to select within the application, like fire, flood, and earthquake. This ensures that underwriters and portfolio managers are empowered with ESG insights within their existing workflows without having to do cumbersome data migrations or complex IT integrations.

Learn more

ESG thought leadership

Incorporating ESG into P&C underwriting - Owning the risk appetite

Long considered an emerging risk for insurers, environmental, social, governance and climate (ESG-C) risks are now one of the most talked about topics in the insurance industry. As such, the importance attached by senior management to this topic has increased.

Integrating ESG into portfolio management and underwriting workflows: the state of the market

Moving towards automation and digitization of the underwriting processes, accurate data and sophisticated analytics are becoming increasingly important. ESG factors and scores offer insurers new insights into risk and decision-making, but they also bring new data integration challenges.

How to develop and integrate an ESG strategy

ESG issues have become key priorities for insurers. Most actions have focused on internal operations, regulatory requirements, and the asset side of the balance sheet. The next step is to consider how ESG can be incorporated into decision-making across their entire business, including underwriting.

contact us

Connect with an ESG expert


* Statistic from EY 2022 Global Insurance Outlook

close button
Overlay Image
Video Title

Thank You

You’ll be contacted by an Moody's RMS specialist shortly.