Ethical Insurance Providers - Suggestions Needed

I’m looking for an ethical insurance provider for personal and for public liability insurance for Better Century. Has anyone got any suggestions?

I’ll post my findings, and hopefully will be useful for others…

Found ETA who are listed by the Good Shopping Guide as a good provider but they don’t do business insurance… search continues…

Have checked out:

NatureSave - they give 10% of all income to charities…

EverGreen Insurance Services pointed to me by @Alandawson66 give 25% of the total commission to charities, slightly better.

None of them actually list the donations they’ve made… :slightly_frowning_face:

Better Century has drafted a ‘Better Business Framework’. I’m going to ask these companies the following questions:

  1. Do you have or intend to implement an Environmental Management System?
  2. Do you use 100% renewable energy in all of your practices?
  3. Do you have a system in place which will help you reduce your waste from your business practices?
  4. On your business premises do you have renewable energy installed or do you have any intention to do so?
  5. We believe that we should share the benefit of having access to less expensive products and services with our staff and customers. Do you provide discounts to your staff? Does your pricing policy aim to reduce costs of your product to customers?
  6. We believe that our staff should not unnecessarily travel or use good facilities they have at home. Do you have working from home policies for your staff?
  7. We believe that staff should have an option to share in the profits of the business. Do you have a means for staff to gain profit share within your business through bonuses based on business performance or share options?
  8. What policies do you have in place to ensure that staff are paid enough to live a quality of life that achieves this?
  9. We believe that everyone has an opportunity to improve the environment for all living things. In considering your impact on biodiversity loss through business, do you do anything to support biodiversity on your business premises or in the wider environment? Are you investing in ways to reduce the impact to the planet of your product or service?
  10. We believe everyone should have an opportunity to contribute to society and the environment. Do you have an equal rights human resource policy to ensure everyone has opportunity to work for your organisation?

What do people think? Reasonable questions?

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Evergreen responses:

  1. Do you have or intend to implement an Environmental Management System?

We don’t have one in place…

  1. Do you use 100% renewable energy in all of your practices?

No we don’t.,. Not yet.

  1. Do you have a system in place which will help you reduce your waste from your business practices?

Paperless office… finding it difficult…

  1. On your business premises do you have renewable energy installed or do you have any intention to do so?

Don’t have renewable energy on their premises as will probably move…

  1. We believe that we should share the benefit of having access to less expensive products and services with our staff and customers. Do you provide discounts to your staff? Does your pricing policy aim to reduce costs of your product to customers?

We provide discounts to staff… Pricing policy doesn’t aim to reduce over time…

  1. We believe that our staff should not unnecessarily travel or use good facilities they have at home. Do you have working from home policies for your staff?

Don’t have working from home policies due to data protection and access to systems.

  1. We believe that staff should have an option to share in the profits of the business. Do you have a means for staff to gain profit share within your business through bonuses based on business performance or share options?

Don’t have this in place at the moment

  1. What policies do you have in place to ensure that staff are paid enough to live a quality of life that achieves this?

Person I spoke to gets a fair wage but no living wage

  1. We believe that everyone has an opportunity to improve the environment for all living things. In considering your impact on biodiversity loss through business, do you do anything to support biodiversity on your business premises or in the wider environment? Are you investing in ways to reduce the impact to the planet of your product or service?

Distributing 25% of commission to charities.

  1. We believe everyone should have an opportunity to contribute to society and the environment. Do you have an equal rights human resource policy to ensure everyone has opportunity to work for your organisation?

Yes - have this in place…

You’ve done a bit of research since the email notification I’m responding to. I use ETA for bike insurance and they’re brilliant, but as you say, no liability cover. Have you looked at Unity? They work particularly with charities and Scouts & Guides…

Thanks Kerena, will check it out…

Nature Save just called us back. Here are the answers to our questions

  1. Do you have or intend to implement an Environmental Management System?

No.

  1. Do you use 100% renewable energy in all of your practices?

Lease the building and don’t know energy provider

  1. Do you have a system in place which will help you reduce your waste from your business practices?

LED lights, refurbished office equipment, reuse paper, box for printer cartridges which get refilled. No policies in place to become paperless, but are thinking about this.

  1. On your business premises do you have renewable energy installed or do you have any intention to do so?

Do have solar panels

  1. We believe that we should share the benefit of having access to less expensive products and services with our staff and customers. Do you provide discounts to your staff? Does your pricing policy aim to reduce costs of your product to customers?

No discounts for staff but have affiliates which give discounts… Offer EPR to clients…

Nothing to reduce costs of your product…

  1. We believe that our staff should not unnecessarily travel or use good facilities they have at home. Do you have working from home policies for your staff?

Don’t have working from home policy in place

  1. We believe that staff should have an option to share in the profits of the business. Do you have a means for staff to gain profit share within your business through bonuses based on business performance or share options?

No profit share schemes etc. Very small.

  1. What policies do you have in place to ensure that staff are paid enough to live a quality of life that achieves this?

Living wage employer

  1. We believe that everyone has an opportunity to improve the environment for all living things. In considering your impact on biodiversity loss through business, do you do anything to support biodiversity on your business premises or in the wider environment? Are you investing in ways to reduce the impact to the planet of your product or service?

Provide money for community energy projects and have funded forest schools, and biodiversity products. Purchased solar thermal bee hives.

  1. We believe everyone should have an opportunity to contribute to society and the environment. Do you have an equal rights human resource policy to ensure everyone has opportunity to work for your organisation?

Have an equal right resource

We use the Cooperative Bank for all our banking and business insurance, about the best we can find. Also as a Federation of Small Businesses member (FSB) we get preferential rates for business banking and an annual bonus !

At Portel AV Limited we put in place a very radical (at the time) process to allow everyone to work from home, it wasn’t easy as first we needed a CRM system made specifically for our line of work, after a few failures we had a Company called APT Projects produce us a version of their TCM CRM system, cost was about £16k at the time, a lot of money for a small telecom business but here we are ten or so years later and its still working for us. The second issue was how to make the telephone system work for us. As a telecom company we were selling / fitting / maintaining systems from Avaya, Panasonic and NEC. I visited a business over in the US who were developing an embryonic Voice over Internet Protocol phone system (VoIP) We took what they had and continued development over here in Great Britain, eventually after about £60k and a lot of hard work we came up with our own version of the VoIP phone systems (seen all over the place nowadays). Using VoIP and CRM allowed Portel to close its Leeds office and all work from home, that was back in 2008, we are still going strong selling, installing and maintaining our VoIP phone systems (pity we couldn’t get a grant to develop handsets!) The main thing is we reduced our carbon footprints down dramatically as our Administrator never needs to travel, most sales are done over the Internet or phone, engineers only visit site when carrying out hardware fixes or installations so we cracked it …so can you !!!