Zurich Insurance sustainability score: 36/100
Zurich Insurance Group is a Swiss insurer headquartered in Zurich. It sells property and casualty insurance (USD 48.2 billion of insurance revenue in 2025) and life insurance, and provides management services to the US Farmers Exchanges, which it does not own.
More about Zurich Insurance
Zurich Insurance Group Ltd was incorporated in 2000. It had 65,437 employees and USD 62.9 billion insurance revenue in 2025.
Founded 2000Head office Zurich, SwitzerlandStaff ~65,437 (end 2025)Revenue ~$62.9B insurance revenue (FY2025)Website ↗
Zurich's operational emissions are about 68% below 2019 but were flat in 2025, and the financed emissions of its corporate holdings rose slightly in the year. It withdrew its SBTi commitment and says it will not seek validation under the financial-sector standard. It earns about USD 2.1 billion a year in premiums from fossil-fuel clients, and NGO scorecards say it must still rule out cover for fossil fuel expansion.
Zurich Insurance scores 36/100 (Below expectations) on SINK's independent climate assessment, scored from public data only. Scores are free. Companies can never pay for anything about their own score. Last verified October 2026.
That places Zurich Insurance joint 512th of 934 companies scored, and joint 8th of 17 in Insurance.
What is Zurich Insurance doing well, and where does it fall short?
Strongest on Carbon Footprint: Operations and Transparency & Accountability (8/10, 8/10). Weakest on Targets & Commitments and Nature & Biodiversity Impact (2/10, 3/10).
Where Zurich Insurance lost points
For each question that lost points, the evidence our public rubric looks for that we didn't find.
- Emissions from its own operations8/10No verified figures published with their method and a falling trend.
- Emissions from its supply chain6/10No full value-chain map or supplier engagement programme.
- Whether its emissions are falling4/10No evidence of a year-on-year fall in its total emissions.
- How clean its energy is7/10Less than 90% of its energy shown to be renewable.
- Its effect on nature3/10No assessment of its effect on nature, and no basic environmental policy.
- How it uses materials and handles waste4/10No measurable waste or recycling targets reported publicly.
- Its effect on water4/10No measured water footprint with reduction targets.
- Its climate targets2/10No specific targets with dates.
- How openly it reports8/10No mission-locked structure, such as B Corp certification.
- Its record on controversies4/10Points deducted for controversies or its business model. The finding is under question 10.
A score changes when the evidence does. We use new published evidence at the next rescore. Anyone can send us new evidence, free. How to send it.
How is Zurich Insurance's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleHas Zurich Insurance's score changed?
Zurich Insurance's score has moved from 50 to 36 across 2 recorded reviews, down 14 points.
- 50 → 36-1429 October 2026
Re-scored under the current methodology (v2.5); owner ruling 2026-10-29
- Scored 5011 April 2026
Initial score at platform launch
What evidence is Zurich Insurance's score based on?
12 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
17% of them were published by Zurich Insurance itself; the rest come from independent sources.
Zurich's financed emissions (about 9.9 MtCO2e in 2025: 6.8 Mt from sovereign debt and 3.1 Mt from listed equity and corporate bonds) are its own stated PCAF figures, from pages 168, 169 and 211 of its 2025 Annual Report. With its insurance-associated emissions (1.5 Mt, for part of the book) and operations, they set the size deduction.
10 of 12 sources are independent of the company.
“In 2025, emissions remained relatively flat compared with 2024, maintaining a 68.8 percent reduction against our 2019 baseline.”
“Total Scope 1 emissions CO e (metric tons) 16’412”
“Scope 3 selected emissions from business travel”
“the company needs to go further to rule out all fossil fuel expansion, and update weak emissions targets”
“approximately US$2.1 billion in premiums from such clients in the previous year, which accounts for 7%”
“The policy update comes after Zurich faced criticism for its support of new oil and gas extraction projects.”
“893 companies, including groups such as Swiss Re, Zurich and Sulzer, have withdrawn their climate commitments from the Science Based Targets Initiative (SBTi).”
“Zurich is leaving the Net Zero Insurance Alliance (NZIA)”
“Zurich confirms that it has decided not to pursue target validation under the current SBTi FINZ standard.”
“Most Insurers Refuse to Rule Out LNG Expansion in World's Richest Marine Ecosystem”
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How does Zurich Insurance compare with other insurance companies?
Where Zurich Insurance sits among insurance peers.
Among the 17 major insurance brands we've scored, Zurich Insurance is tied =8th of 17, with 1 other.
Who scores higher in Insurance?
The 3 companies in the sector scoring nearest above Zurich Insurance.
AXA's financed emissions fell to 25.2 MtCO2e in 2025, less than half the 2019 level, and the emissions of its own operations are down 64%.
See the breakdown →Cigna reports operational emissions largely covered by renewable certificates rather than power purchase agreements.
See the breakdown →Admiral discloses mandatory carbon metrics but hasn't cut absolute emissions—Scope 1&2 rose 10% in 2025.
See the breakdown →Which companies moved this week, and why.
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