Target 1.5: Build resilience of the poor to shocks
By 2030, build the resilience of the poor and those in vulnerable situations and reduce their exposure and vulnerability to climate-related extreme events and other economic, social and environmental shocks and disasters
Owners voting their values help. Others must carry most of it.
Why shareholder democracy is helpful
Resilience of the poor is primarily a matter of public disaster-risk management and social protection. The insurance industry is a corporate actor at the edge. Ceres documents insurers retreating from high-risk US markets and raising premiums after record catastrophes. Its 10-point plan calls for targeted programs to ensure coverage for vulnerable communities. The World Bank notes that one in five people are at risk of an extreme weather event in their lifetime. Findex 2025 reports that one in four adults in low- and middle-income countries faced a natural disaster in the past three years. Owners of insurers and banks can push on coverage availability and climate-risk disclosure, which helps at the margin while public systems carry the target.
How this was scoredHelpful
Helpful. Owners voting their values help. Others must carry most of it.
We have not yet written down the two answers behind this rating. Recording them on every item, so a reader can check the reasoning and not only the conclusion, is work in progress.
Every rating is the higher of two answers, one for what companies do and one for what they spend to stop the outcome, because the same vote reaches both. See the full method.
Sources
What civil society organizations are helping owners on this
Filed climate resolutions at Travelers, The Hartford and Chubb asking them to restrict underwriting of new fossil fuel supply as insured catastrophe losses climbed.
Co-filed the 2024 Chubb resolution seeking disclosure of greenhouse gas emissions from underwriting, insuring and investment in high carbon companies, citing rising insured losses and reduced coverage.
2 campaigns on record
Measure and disclose greenhouse gas emissions from the company's underwriting, insuring and investment activities in high carbon companies, including fossil fuels.
With Green Century Capital Management
Result: 28.3 percent in favour, voted 16 May 2024
Cease underwriting new fossil fuel supply and address climate risk across the underwriting book.
Result: 13.2 percent in favour, voted 25 May 2022
Green Century stated the support level was sufficient to allow refiling the following year if the insurers did not act.
How this rating was made
Every item on every one of our maps is read against one question: how far does this depend on the people who own companies voting their values? We answer it twice, once for what companies do and once for what they spend to stop the outcome, and take whichever answer is higher, since the same vote reaches both. The score carries its reasoning and its sources so that a reader can check it rather than take it.
- Pivotal. Owners voting their values can deliver most of the outcome.
- Necessary. Owners remove an obstacle nothing else removes, and others must also act.
- Helpful. Owners voting their values help, and others carry most of it.
- Independent. This moves without owners. Other levers carry it.
The advocacy record on this page holds only what a source we opened says happened. Where we searched and found nothing, the page says so rather than leaving a silence. Where a campaign names a filer the source does not name, it says that too. Ratings are ours; the list of subjects is UN Sustainable Development Goals's, and we link to their original.
How we score dependency, in full.