Our key environmental figures

For many years now, ERGO has assumed responsibility for the environment. We actively support climate protection with our climate-neutral business operations.

A key component of our Group-wide environmental and climate protection strategy is the continuous reduction of our consumption of resources and the resulting CO2 emissions. In our reporting on our consumption of resources and CO2 emissions, we focus on the main direct impacts of our business operations on the environment and climate. These are the consumption of paper, energy and water, the waste we produce and the number of business trips made. The resulting CO2 emissions are measured and validated by external auditors for the entire Munich Re Group including ERGO (see Munich Re Corporate Responsibility Report, p. 74). Since 2009, we have been able to reduce our Group-wide CO2 emissions by almost 48 percent per employee.

Carbon emissions

2018 2017 2016 2009
(base year)
Total CO2 emissions1 T 62,510 69,300 71,305 131,216
CO2 emissions by scope          
Direct CO2 emissions – Scope 1 T 37,946 40,090 37,565 55,648
Indirect CO2 emissions – Scope 21
T 16,803 20,656 25,367 62,869
Other indirect CO2 emissions – Scope 3 T 7,761 8,554 8,374 12,699
CO2 emissions per employee T 2.196 2.332 2.527

Scope 1: Direct emissions from primary energy consumption (natural gas, heating oil, emergency diesel power, fuel for company cars)
Scope 2: Indirect emissions from procured energy (electricity, district heating and district cooling)
Scope 3: Other indirect emissions (business trips, consumption of paper, water and waste)
1 Electricity from renewable sources is calculated with zero emissions. Figures for 2017 and 2016 were adapted accordingly.

Direct energy consumption

2018 2017 2016 2009
(base year)

Direct energy consumption
GJ 575,472 599,108 554,785 680,166
Direct energy consumption by primary energy source
Natural gas GJ 202,449 216,871 188,701 529,176
Natural gas consumption for CHPs1
GJ 371,142 379,783 363,812 149,294
Fuel for emergency generator 
GJ 1,881 2,454 2,094 1,696
Direct energy consumption per employee
GJ 20.18 20.16 19.66 21.84
1 Thermal power stations with combined heat and power technology

Indirect energy consumption

2018 2017 2016 2009
(base year)
Indirect energy consumption GJ 443,619 525,077 517,003 735,569
Indirect energy consumption by primary energy source      
Electricity purchased from outside the Company GJ 81,570 100,604 113,731 444,233
Green electricity purchased GJ 168,705 186,474 164,768 45,431
District cooling GJ 17,849 23,157 25,435 18,488
District heating GJ 175,496 214,842 212,970 227,417
Indirect energy consumption per employee GJ 15.55 17.67 18.32 23.62

Paper consumption1

2018 2017 2016 2009
(base year)
Total paper consumption
T 7282 918 701 1,165
Paper consumption per employee
T 0.026 0.031 0.025 0.037

Share of recycled paper






1 Printer and copy paper
2 Reduction of paper consumption, e.g. through digitalisation of processes


The locations of ERGO withdraw their water from the local (municipal) networks. Our waste water is discharged sanitary water. This amount almost corresponds to the amount of water withdrawn (see section EN8). We channel all such water into the local drainage System.

2018 2017 2016 2009
(base year)
Water consumption in total m3 415,652 440,479 450,366 470,273
Water consumption per employee m3 14.57 14.82 15.96 15.10


Our Environmental Guidelines have the goal of steadily reducing the amount of waste we produce. The type of waste disposal, however, depends to a considerable degree on the respective infrastructure for waste disposal and the local regulations. Wherever possible, waste and recyclable materials are separated, recycled and disposed of through regional service suppliers.

2018 2017 2016 2009
(base year)
Waste T 6,320 7,517 8,115 10,558
Waste by type and disposal method
Recycled materials T 3,570 4,100 4,501 6,951
Incinerated waste            
T 1,371 1,850 1,970 1,741
Landfill waste T 2781 499 468 572
Specialist waste disposal for reuse/recovery            
T 1 2 4 146
Compost T 655 744 730 946
Other waste            
T 4452 322 442 202
Waste per employee            
T 0.22 0.25 0.29 0.34
1 Due to changes in waste disposal in individual ERGO companies - partly due to changes in local regulations - the 2018 figure is not directly comparable with the 2017 figure.
2 Increase in waste resulting from renovation and refurbishment measures at our German sites.

Business trips

2018 2017 2016 2009
(base year)

Business trips
km 102,452,202 112,307,255 107,614,501 153,116,204
Air travel km 39,209,702 42,253,166 43,090,129 45,577,642
Road travel (company vehicles, hired cars)
km 49,706,634 55,714,250 53,484,850 90,195,858 
Rail travel1
km 13,535,866 14,339,838 11,039,523 17,343,704
Business trips per employee
km 3,592 3,779 3,814 4,916
1 In Germany, long-distance rail travel with Deutsche Bahn has been climate-neutral since 1 July 2011 due to use of green electricity.

Notes on the environmental indicators:

In the financial year 2018, the ERGO Group had 28,522 employees (see key employee figures). The consumption of resources per employee refers to in-house staff and salaried field staff. Self-employed sales agents are not included in the environmental indicators.

To calculate the Group-wide carbon savings targets, from 2009 to 2015 (–10% kg of CO2 per employee) we used the conversion factors of the Greenhouse Gas Protocol (GHG) and the Association for Environmental Management and Sustainability in Financial Institutions (VfU) – from 2011 in each case. Green electricity was not included in the accounting, thereby ensuring that the quantitative values remained comparable over the target period. In 2015, a new environmental and climate protection strategy was approved by the Board of Management and the carbon savings target was expanded – from 2009 to 2020 it is our goal to achieve Group-wide carbon savings (kg of CO2 per employee) of 35%.

As of 2016, the Group’s carbon emissions will be calculated on the basis of the latest conversion factors of the GHG Protocol and the VfU. The GHG Protocol will be used for the conversion of Scope 1 emissions (direct energy), for electricity falling under Scope 2 emissions (indirect energy) and for the “short- and long-haul flights” components of the “business trips” element of Scope 3 emissions. At the end of 2018, ERGO obtained 67.4 percent of its electricity from renewable sources (2017: 65 %). This works out at an emission of zero. The VfU conversion factors are taken as the basis for calculating the Scope 2 emissions “district heating” and the Scope 3 emissions of paper, water and waste, as well as the “company vehicles, taxis, hire cars, train journeys” components of the “business trips” element.

As from the year 2017, the environmental reporting includes the figures of the Munich Health companies. Companies of Munich Health were transferred to ERGO International in 2017.

Carbon emission sources

  • Scope 1: Direct emissions from primary energy consumption (natural gas, heating oil, emergency diesel generators, fuel for company vehicles)
  • Scope 2: Indirect emissions from procured energy (purchase of electricity and district heating)
  • Scope 3: Other indirect emissions (business trips, consumption of paper and water, waste)