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 on a random basis by external auditors for the entire Munich Re Group including ERGO. We have been climate -neutral throughout the Group since 2015. With our climate protection programme "Climate Ambition 2025", we are committed to converting our business operations across the Group to net zero emissions by 2030. The implementation process will be a gradual one: by 2025, we aim to have reduced our carbon emissions by 12 percent per employee compared to 2019.

General information

Unit 2021  2020 2019
(base year)
Total number of staff   24,974
26,436 26,727
Staff covered by the survey of environmental indicators % 81.2
80.5 80.9
Staff working at a site with a certified environmental management system
% 58.95
55.91 45.7
1 In 2020, our site in Poland was ISO14001 certified. 

 

Carbon emissions (CO2)

Unit 2021  2020 2019
(base year)
Total carbon emissions t 54,014
53,954 57,562
Direct carbon emissions from primary energy consumption – Scope 11 t 39,716
37,539 36,288
Indirect carbon emissions from procured energy – Scope 22 t 11,283
13,053 13,812
Other indirect carbon emissions – Scope 33 t 3,015
3,3624 7,462
Carbon emissions per employee t 2.163
2.041 2.154
Total carbon savings since 2019
% 6.16
6.27 -
Carbon savings per employee since 2019 (kg CO2)
% -0.425 5.25 -
1 Direct emissions from primary energy consumption (natural gas, heating oil, emergency diesel power, fuel for company cars).
2 Indirect emissions from procured energy (purchase of electricity, district heating, and district cooling).
3 Other indirect emissions (business trips, consumption of paper and water, waste).
4 Pandemic-related decrease in 2020 due to high home-office rates.       
2021 per capita figure increased slightly by 0.42% due to the decreased total number of staff since 2019.      

Energy consumption

Unit 2021  2020 2019
(base year)
Total direct energy consumption
(natural gas, natural gas for CHPs1, fuel for emergency generators)
MWh 169,780
161,974 152,369
Natural gas MWh 56,983
57,317 50,955
Natural gas for thermal power plants
MWh 112,153
104,009 100,940
Fuel for emergency generator 
MWh 644
648 474
Total consumption indirect energy
(purchased electricity, district heating, district cooling)
MWh 102,946
104,021 113,472
Purchased electricity MWh 11,338
17,722 18,964
Procured green electricity MWh 38,779
40,189 45,787
District cooling MWh 3,824
3,847 4,343
District heating MWh 49,005 42,263 44,379
Self-generated electricity (CHP)
MWh 33,939
31,167
30,422
Percentage of total electricity consumption from green electricity % 77.4
69.4 70.71
Total carbon emissions from energy t 45,709
45,898 44,700
Carbon emissions from energy per employee t 1.830
1.736 1.672
Thermal power stations with combined heat and power technology


Consumption of paper1

Unit 2021 2020 2019
(base year)
Total consumption of paper t 6112
4223 590
Paper consumption per employee
t 0.024
0.016 0.022
Share of recycled paper % 7.94

21.3

53.9

Total carbon emissions from paper t 721
498 697
Carbon emissions from paper per employee t 0.029
0.019 0.026
1 Printer and copy paper
2 Increase due to increased documentation requirements for customers and distributors in Poland.
3 Pandemic-related decline in 2020 due to shift to home office and the increasing digitalisation of processes.
4 Decrease in the Group-wide share due to high paper expenditure in specific international companies with a simultaneously low share of recycled paper.”           

Water1

Unit 2021  2020 2019
(base year)
Total water consumption m3 303,866
344,1222
437,457
Water consumption per employee m3 12.167
13.017
16.368
Total carbon emissions from water consumption t 214
242 308
Carbon emissions from water consumption per employee 0.009
0.009 0.012
1 Our locations withdraw their water from the local (municipal) networks. Our waste water is discharged sanitary water.
2 Pandemic-related decrease in 2020 due to high home-office rates.

Waste

Unit 2021 2020 2019
(base year)
Total waste t 3,643
4,7351
5,314
Waste by type and disposal method1
 
 
Recycled materials t 2,046
2,525
2,793
Incinerated waste            
t 894
1,107 933
Special disposal of waste for reuse/recovery t 85
207 274
Organic waste t 7
14 4
Compost t 202
512 888
Other waste            
t 409
370 422
Waste per employee t 0.146
0.179 0.199
Total carbon emissions from waste t 1,380
1,606 1,680
Carbon emissions from waste per employee t 0.055
0.061 0.063
1 Pandemic-related decrease in 2020 due to high home-office rates.
2 The type of waste disposal greatly depends on the respective infrastructure for waste disposal and local regulations. Wherever possible, waste and recyclable materials are separated, recycled and disposed of by regional service suppliers.

Business travel

Unit 2021 2020 2019
(base year)
Total business travel km 43,734,729
46,314,3281
102,969,152
Air travel km 4,633,900
7,588,751
40,094,092
Automotive travel (company cars, hire vehicles)
km 35,536,669
34,909,236
48,167,780
Rail travel2
km 3,564,161
3,816,341
14,707,280
Business travel per employee
km 1,751
1,752 3,853
Total carbon emissions for business travel t 5,991
5,709 10,177
Carbon emissions for business travel per employee t 0.24
0.216
0.377
1 Pandemic-related decline in 2020.
2 In Germany, long-distance rail travel with Deutsche Bahn has been climate-neutral since 1 July 2011 due to the use of green electricity.

Notes on the environmental indicators:

An important component of our Group-wide environmental and climate protection strategy is the continuous reduction of our resource consumption and our resulting carbon emissions. In our reporting on consumption and carbon emissions, we focus on the significant direct impacts of our business operations on the environment and climate – namely our consumption of energy, the number of business trips undertaken, paper, water and the amount of waste we produce. The resulting CO2 emissions are measured and selective quantitative figures are quality assured externally for the entire Munich Re Group including ERGO.
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.
The latest conversion factors of the Greenhouse Gas Protocol (GHG) and the Association for Environmental Management and Sustainability in Financial Institutions (VfU) are used to calculate Group wide CO2 emissions. Where possible, individual conversion factors, e.g. for company cars, are used. A market-based approach is used to calculate Scope 2 emissions from electricity consumption, taking into account that in 2021 a share of 77,4 % will come from renewable energy sources and will be calculated as emission-free. For the remaining electricity consumption, country-specific conversion factors from the GHG Protocol were used, derived from the average local electricity mix.

CO2 emission sources:

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