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Respecting human rights - Generali Group

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position-static"> <a class="nav-link dropdown-toggle" role="button" data-bs-toggle="dropdown" aria-expanded="false" href="/work-with-us">Work with us</a> <div class="dropdown-menu w-100 shadow py-5"> <div class="px-3 large-container position-relative"> <div class="position-absolute top-0 end-0 close-menu-container"> <a role="button" class="close-menu"> <span class="visually-hidden">Close Navigation</span> <span class="close-label me-1">Close</span> <span class="icongen-close color-dark-blue"></span> </a> </div> <div class="row"> <div class="col-3 component pe-4"> <h4 class="color-red">Work with us</h4> <p class="mt-3"> People are our company&#039;s soul. </p> <a aria-label="Work with us" class="btn btn-red mt-3" href="/work-with-us"> Discover </a> </div> <div class="col-3" id="accordion_3_1"><ul class="list-unstyled"> <li class="position-relative"> <a id="navItema17f94aa-bf48-4cb2-9003-de558d3d477f" class="dropdown-item" href="/work-with-us/Get-to-know-us"> Get to know us </a> <a 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<ul> <li> <a href="/sustainability/our-rules/governance-management"> Governance & management </a> </li> <li> <a href="/sustainability/our-rules/code-of-conduct"> Generali Group Code of Conduct </a> </li> <li> <a href="/sustainability/our-rules/respecting-human-rights" class="color-red"> Respecting human rights </a> </li> <li> <a href="/sustainability/our-rules/anti-corruption"> Anti-corruption </a> </li> <li> <a href="/sustainability/our-rules/financial-crimes-compliance"> Financial crimes compliance </a> </li> <li> <a href="/sustainability/our-rules/Anti-Financial-Crime-and-Anti-Bribery-and-Corruption"> Anti Financial Crime and Anti Bribery & Corruption </a> </li> <li> <a href="/sustainability/our-rules/tax-payments"> Tax Strategy and Taxes </a> </li> <li> <a href="/sustainability/our-rules/tax-transparency-report"> Tax Transparency Report </a> </li> <li> <a href="/sustainability/our-rules/group-security"> Group security </a> </li> </ul> </div> </li> <li> <a href="/sustainability/contacts"> Contacts </a> </li> </ul> </nav> </div> <div id="content" class="col-12 col-md-12 col-lg-9 col-xl-9 central-body"> <div> <h1 class="page-title">Respecting human rights</h1> </div> <div class="mt-3 txt-component"> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span>We are committed to safeguarding and promoting respect for fundamental human and labour rights across all spheres where we have an influence, in particular among our employees and our contractual partners.</span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span>To demonstrate this commitment, we ensure all our policies and practices are in line with:</span></span></span></span></span></p> <ul> <li><span><span><span><span><span><span><span>the<strong>&nbsp;</strong></span><a href="https://www.un.org/en/about-us/universal-declaration-of-human-rights" target="_blank"><span><span>UN Universal Declaration of Human Rights</span></span></a></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>the core international standards of the&nbsp;</span><a href="http://www.ilo.org/declaration/lang--en/index.htm" target="_blank"><span><span>International Labour Organisation</span></span></a></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><a href="https://www.ohchr.org/documents/publications/GuidingprinciplesBusinesshr_eN.pdf" target="_blank"><span><span>UN Guiding Principles on Business and Human Rights</span></span></a><span>&nbsp;(&ldquo;Ruggie Principles&rdquo;)</span></span></span></span></span></span></span></li> </ul> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span>In addition, we support the&nbsp;<strong><span>principles</span></strong>&nbsp;on human and working rights set out in the&nbsp;</span></span><a href="https://www.generali.com/our-responsibilities/responsible-business/external-commitments"><span><span>UN Global Compact</span></span></a><span><span>&nbsp;initiative;&nbsp;regarding specific International Standards related to the insurance sector, the Group signed up the&nbsp;</span></span><a href="https://www.generali.com/our-responsibilities/responsible-business/external-commitments"><span><span>Principles for Responsible Investment (PRI)</span></span></a><span><span>&nbsp;and subscribed the&nbsp;</span></span><a href="https://www.generali.com/our-responsibilities/responsible-business/external-commitments"><span><span>Principles for Sustainable Insurance (PSI)</span></span></a><span><span>; both initiatives were created and supported by the United Nations.</span></span></span></span></span></p> </div> <div class="mt-md"> <h3 class="mb-3 color-red">Our approach</h3> </div> <div class="figure-with-text-right txt-component mt-3 component"> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span>The Group&#39;s policies and guidelines contribute to ensuring respect for human rights, with particular reference to the&nbsp;</span></span><a href="https://www.generali.com/our-responsibilities/responsible-business/code-of-conduct"><span><span>Code of Conduct</span></span></a><span><span>, the&nbsp;</span></span><a href="https://www.generali.com/our-responsibilities/responsible-investments">Integration of Sustainability into Investments and Active Ownership Group Guideline</a><span><span>, the&nbsp;</span></span><a href="https://www.generali.com/info/download-center/policies"><span><span>Responsible Underwriting Group Guideline</span></span></a><span><span>,&nbsp;and the&nbsp;</span></span><a href="https://www.generali.com/our-responsibilities/working-with-our-suppliers/purchasing-policy"><span><span>Ethical Code for suppliers</span></span></a><span><span>.<br /> <br /> Together, these Group policies and guidelines contribute to ensuring respect for human rights&nbsp;in all its forms and across all our value chain. For example, the </span></span></span>Integration of Sustainability into Investments and Active Ownership Group Guideline<span><span><span> filter allows us each year to identify and exclude from our investments those companies that have committed serious human rights violations.<br /> <br /> In order to reinforce, where necessary, the controls already in place on this topic, an in depth analysis has been set up, in line with the most important international principles and tools, including the United Nations Universal Declaration of Human Rights, the core international standards of the International Labour Organisation and the UN Guiding Principles on Business and Human Rights.* The analysis focused on direct human rights risks, i.e., the potential risk of human rights violations for our employees, clients, and suppliers, considering that our indirect human rights risks are already monitored thanks to the human rights criteria expressed in the Responsible Underwriting Group Guideline (RUGG) and in the </span></span></span>Integration of Sustainability into Investments and Active Ownership Group Guideline<span><span><span>.</span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span>For this purpose, we have identified a list of the key human rights potentially impacted by the Group&rsquo;s operations in the various businesses, such as Equal opportunities and non-discrimination (including equal remuneration), Employee relocation (e.g., migrant workers, displacement), Freedom of association and collective bargaining.<br /> For each of the key human rights potentially impacted by our operations, we identified the tools already implemented to mitigate risks, assessing their level of control, considering it in line with their positioning and practices common to the sector.<br /> <br /> The Group will maintain its ongoing monitoring action in order to guarantee an increasingly virtuous and responsible behavior in all of its businesses.</span></span></span></span></span></p> </div> <div class="mt-md"> <h3 class="mb-3 color-red">Our people</h3> </div> <div class="mt-3 txt-component"> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span>We provide a working environment that is free from any form of&nbsp;<strong><span>discrimination</span></strong>, harassment, intimidation or bullying, and we promote&nbsp;</span></span></span><span><a href="https://www.generali.com/work-with-us/Get-to-know-us/diversity-and-inclusion"><span><span>diversity and inclusion</span></span></a></span><span><span><span>, because we believe that cooperation between people with different skills, perspectives, backgrounds and cultures is a key element to enabling business growth and innovation.</span></span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span>We also recognise our employees&#39; right to&nbsp;</span></span></span><span><a href="https://www.generali.com/our-responsibilities/Generali-people-strategy/social-dialogue"><span><span>freedom of association</span></span></a></span><span><span><span>&nbsp;and collective bargaining, and do not tolerate any form of illegal labour or exploitation, or&nbsp;<strong><span>mandatory</span></strong>,&nbsp;<strong><span>forced&nbsp;</span></strong>and&nbsp;<strong><span>child labour</span></strong>.</span></span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span>The fundamental rights of workers are also reiterated in the&nbsp;</span></span></span><span><a href="https://www.generali.com/our-responsibilities/Generali-people-strategy/european_social_charter"><span><span>European Social Charter,</span></span></a></span><span><span><span>&nbsp;prepared in conjunction with the Group&#39;s&nbsp;</span></span></span><span><span><span><a href="/sustainability/responsible-employer/European_Works_Council">European Works Council</a></span></span></span><span><span><span>, in the Code of Conduct and in the Generali Group&rsquo;s Charter of Sustainability Commitments.</span></span></span></span></span></span></p> </div> <div class="mt-3"> <div class="data-box-only-number only-text-left matchHeight"> <div class="data-box-internal txt-component my-0"> <p class="data-box-text-align"></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><strong><span><span><span>In-house training on human rights</span></span></span></strong></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><em><span><span>We believe that it is fundamental to train and raise the awareness of our people in relation to the issues covered in our Code of Conduct. In 2023, <strong>73,048 employees</strong>&nbsp;have completed the <strong>Code of Conduct training courses</strong>.</span></span></em></p> </div> </div> </div> <div class="mt-md"> <h3 class="mb-3 color-red">Our suppliers</h3> </div> <div class="mt-3 txt-component"> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span>In order to guarantee a responsible business along our supply chain, respecting all the principles of human and labor rights, Generali requires that its contractual partners respect, at all levels of their supply chain, the principles outlined within the Group policies, such as: the&nbsp;<strong><span>Ethical Code for suppliers&nbsp;</span></strong>of the Generali Group, the&nbsp;<strong><span>Code of Conduct for Purchasing&nbsp;</span></strong>and the internal&nbsp;<strong><span>Group Policy for outsourcing activities</span></strong>, as well as the main national and international standards, for example, the Fundamental Convention of the International Labor Organization (ILO) and the United Nations Universal Declaration of Human Rights.<br /> We strive to manage the relationships with our suppliers in a responsible way - we oppose modern slavery and human trafficking in all of its forms, and we do not tolerate it in our supply chain.&nbsp;</span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span>Compliance with these requirements is guaranteed through specific monitoring procedures. In the event of non-compliance, the Group searches for an adequate solution with the contractual partner and, in worst cases, implements proper sanctioning mechanisms, which could lead to the contract&rsquo;s termination.</span></span></span></span></span></p> </div> <div class="mt-md"> <h3 class="mb-3 color-red">Responsible investments and underwriting</h3> </div> <div class="mt-3 txt-component"> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span>The Group pays particular attention also to the indirect impacts on human rights that can be caused by insurance and investment activities.</span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span>In the&nbsp;</span></span><a href="https://www.generali.com/our-responsibilities/responsible-investments">Integration of Sustainability into Investments and Active Ownership Group Guideline</a><span><span>&nbsp;we describe the process by which the potential human rights risks are taken into account in investment decisions. The Group integrates the traditional financial risk assessment with the analysis aimed at detecting policies, performances, practices and sustainability impacts of the issuing companies, in order to exclude companies considered not in line with our principles. In particular, as regards ESG, we consider high-risk investments, financial instruments issued by companies involved in serious or systematic violations of human rights or companies who produce weapons that could violate fundamental humanitarian principles (cluster bombs, anti-personnel mines, nuclear weapons).</span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span>In the&nbsp;</span></span><a href="https://www.generali.com/info/download-center/policies"><span><span>Responsible Underwriting Group Guideline</span></span></a><span><span>, the Group has set up a specific process aiming at identifying and evaluating counterparties with a higher exposure to ESG risks, such as the ones involved in the production of weapons that violate the main international conventions and in systematic violations of human rights, in order to properly discuss and evaluate their insurability within the Group. We identify the main ESG risks relating to P&amp;C insurance activities, in specific sensitive sectors, such as defense or pornography.</span></span></span></span></span></p> </div> <div class="mt-md"> <h3 class="mb-3 color-red">How we monitor respect for human rights</h3> </div> <div class="mt-3 txt-component"> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span>Compliance with the core international standards of the International Labour Organisation (ILO) is monitored by the Group Chief Sustainability Office and Group HR, which sends a written questionnaire to Group&#39;s companies across the world on an annual basis.</span></span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span>In 2023, this&nbsp;<strong><span>monitoring</span></strong>&nbsp;covered&nbsp;<strong><span>84%</span></strong>&nbsp;of the Group, and generated the following results:</span></span></span></span></span></span></p> <ul> <li><span><span><span><span><span><span><strong><span><span>child labour</span></span></strong><span><span>: there are no group workers under 16 years of age;</span></span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><strong><span><span>forced labour</span></span></strong><span><span>: </span></span></span></span></span></span></span></span><span><span>the are no cases of mandatory or forced labour, or any other irregular form of labour in the group</span></span></li> <li><span><span><span><span><span><span><strong><span><span>freedom of association and collective bargaining:&nbsp;</span></span></strong><span><span>&nbsp;</span></span></span></span></span></span>97.5% of employees are covered by collective bargaining agreements and, where these are not in force, employees are hired through a formal written employment contract<span><span><span><span><span><span>.</span></span></span></span></span></span></span></span></li> </ul> </div> <div class="mt-3"> <div class="data-box-only-number only-text-left matchHeight"> <div class="data-box-internal txt-component my-0"> <p class="data-box-text-align"></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><strong><span><span>How to report a suspected violation of human rights</span></span></strong></span></span></span></p> <p><em><span><span><span><span>Alleged human rights breaches can be reported - anonymously &nbsp;where permitted by law - through the channels set out in the</span></span></span></span>&nbsp;<a href="/sustainability/our-rules/code-of-conduct">Code of Conduct</a>.</em></p> </div> </div> </div> <div class="mt-3 txt-component"> <p style="margin-left:0cm; margin-right:0cm"><span class="txt-fs14">* The analysis covered a list of vulnerable groups, such as our own employees, women, children and migrant workers.</span></p> </div> </div> </div> </div> </div> <footer> <div class="large-container"> <div class="row top"> <div class="col-12 col-md-8"> <div class="row align-items-center"> <div class="col-12 col-md-4 text-center text-md-start"> <a href="/" title=""> <img src="/.resources/generalicom-templating-light/webresources/images/generali-logo-big.svg" title="" alt="Generali Group" width="90" data-png-fallback="/.resources/generalicom-templating-light/webresources/images/generali-logo-big.png"> </a> </div> <div class="mt-3 mt-md-0 col-12 col-md-8 text-center text-md-start"> <p>Follow the stories on our social networks</p> </div> </div> </div> <div class="pt-2 pt-md-0 mt-4 mt-md-0 col-12 col-md-4"> <ul class="px-5 px-md-0 list-unstyled d-flex justify-content-between align-items-center"> <li> <a rel="nofollow" class="social-linkedin" aria-label="Follow us on LinkedIn" href="https://www.linkedin.com/company/generali?trk=top_nav_home" title="https://www.linkedin.com/company/generali?trk=top_nav_home" target="_blank"><span class="icongen-linkedin"></span></a> </li> <li> <a class="social-twitter" aria-label="Follow us on Twitter" href="https://twitter.com/GENERALI" title="https://twitter.com/GENERALI" target="_blank"><span class="icongen-twitter"></span></a> </li> <li> <a class="social-instagram" aria-label="Follow us on Instagram" href="https://www.instagram.com/generaligroup/" title="https://www.instagram.com/generaligroup/" target="_blank"><span class="icongen-instagram"></span></a> </li> <li> <a class="social-youtube" aria-label="Follow us on YouTube" href="https://www.youtube.com/user/GruppoGenerali" title="https://www.youtube.com/user/GruppoGenerali" target="_blank"><span class="icongen-youtube"></span></a> </li> </ul> </div> </div> <div class="row bottom my-4 my-md-5"> <div class="pt-2 pt-md-0 col-12 col-md-4 order-1 order-md-2"> <ul class="list-unstyled d-flex flex-row flex-md-column flex-xl-row justify-content-center justify-content-xl-end align-items-md-center align-items-xl-end"> <li><a class="lightbox-remote" href="/tools/survey-modal" title="2 minute survey" data-type="url" data-remote="/tools/survey-modal"><span class="icongen-star"></span>2 minute survey</a></li> <li><a href="/tools/subscription/content-categories-subscription" title="Get Updates"><span class="icongen-get-updates"></span>Get Updates</a></li> </ul> </div> <div class="pt-2 pt-md-0 mt-4 mt-md-0 col-12 col-md-8 order-2 order-md-1"> <div class="mx-2 mx-md-0 me-xl-3"> <p><a href="/who-we-are">Generali</a> is one of the largest global insurance and asset management providers. 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href="/who-we-are/at-a-glance">At a Glance</a></li> <li> <a href="/who-we-are/history"> Our History </a> <ul> <strong class="back">Who We Are</strong> <li class="flex-column main-section"> <h3>Our History</h3> <a class="btn-red mb-3 mt-2" href="/who-we-are/history">Discover</a> </li> <li><a href="/who-we-are/history/Generali-190-Anniversary">Generali 190 Anniversary</a></li> <li><a href="/who-we-are/history/Generali-190-Anniversary-Events-Timeline">Generali 190 Events timeline</a></li> <li><a href="/who-we-are/history/interactive-timeline">Interactive Timeline</a></li> <li><a href="/who-we-are/history/our-logo-over-190-years">Our logo over 190 years</a></li> <li><a href="/who-we-are/history/the-age-of-the-lion">Generali publications</a></li> <li><a href="/who-we-are/history/posters-and-advertising">Posters and advertising</a></li> <li><a href="/who-we-are/history/The-Generali-Group-Historical-Archives">Group Historical Archives</a></li> <li><a href="/who-we-are/history/group-libraries">Group libraries</a></li> </ul> </li> <li><a href="/who-we-are/our-culture">Our Culture</a></li> <li> <a href="/who-we-are/Strategic-Plan-Lifetime-Partner-24"> Strategic Plan: Lifetime Partner 24 </a> <ul> <strong class="back">Who We Are</strong> <li class="flex-column main-section"> <h3>Strategic Plan: Lifetime Partner 24</h3> <a class="btn-red mb-3 mt-2" href="/who-we-are/Strategic-Plan-Lifetime-Partner-24">Discover</a> </li> <li><a href="/who-we-are/Strategic-Plan-Lifetime-Partner-24/Sustainable-growth">Sustainable growth</a></li> <li><a href="/who-we-are/Strategic-Plan-Lifetime-Partner-24/Earnings-profile">Earnings profile</a></li> <li><a href="/who-we-are/Strategic-Plan-Lifetime-Partner-24/Lead-innovation">Lead innovation</a></li> </ul> </li> <li> <a href="/who-we-are/global-positioning"> Our organization </a> <ul> <strong class="back">Who We Are</strong> <li class="flex-column main-section"> <h3>Our organization</h3> <a class="btn-red mb-3 mt-2" href="/who-we-are/global-positioning">Discover</a> </li> <li><a href="/who-we-are/global-positioning/italy">Italy</a></li> <li><a href="/who-we-are/global-positioning/germany">Germany, Austria and Switzerland</a></li> <li><a href="/who-we-are/global-positioning/france">France</a></li> <li><a href="/who-we-are/global-positioning/international">International</a></li> <li><a href="/who-we-are/global-positioning/global-business-activities">Global Business Activities</a></li> <li><a href="/who-we-are/global-positioning/investments-asset-and-wealth-management">Asset &amp; Wealth Management</a></li> </ul> </li> <li><a href="/who-we-are/discovering-generali">Generali Stories</a></li> <li><a href="/who-we-are/our-business">Our business model </a></li> <li><a href="/who-we-are/our-activities">Our activities</a></li> <li><a href="/who-we-are/our-management">Our management</a></li> <li><a href="/who-we-are/our-brand">Our Brand</a></li> <li> <a href="/who-we-are/sponsorship"> Sponsorship </a> <ul> <strong class="back">Who We Are</strong> <li class="flex-column main-section"> <h3>Sponsorship</h3> <a class="btn-red mb-3 mt-2" href="/who-we-are/sponsorship">Discover</a> </li> <li><a href="/who-we-are/sponsorship/Sport">Sport</a></li> <li><a href="/who-we-are/sponsorship/Arts-and-Culture">Arts and Culture</a></li> <li><a href="/who-we-are/sponsorship/Generali-women-in-sailing">Generali Women in Sailing</a></li> </ul> </li> </ul> </li> <li> <a href="/what-we-do">What we do</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>What we do</h3> <p class="mt-1 mb-3"> Our purpose is to enable people to shape a safer and more sustainable future by caring for their lives and dreams. </p> <a class="btn-red mb-3" href="/what-we-do"> Discover </a> </li> <li><a href="/what-we-do/what-is-insurance">What is insurance</a></li> <li> <a href="/what-we-do/life-insurance"> Life insurance </a> <ul> <strong class="back">What we do</strong> <li class="flex-column main-section"> <h3>Life insurance</h3> <a class="btn-red mb-3 mt-2" href="/what-we-do/life-insurance">Discover</a> </li> <li><a href="/what-we-do/life-insurance/pure-risk-cover">Pure-Risk Cover</a></li> <li><a href="/what-we-do/life-insurance/investment-policies">Investment policies</a></li> <li><a href="/what-we-do/life-insurance/pension-funds">Pension Funds</a></li> <li><a href="/what-we-do/life-insurance/before-taking-out-a-life-insurance-policy">Before Taking Out a Life Insurance Policy</a></li> </ul> </li> <li> <a href="/what-we-do/property-and-casualty-insurance"> Property and Casualty Insurance </a> <ul> <strong class="back">What we do</strong> <li class="flex-column main-section"> <h3>Property and Casualty Insurance</h3> <a class="btn-red mb-3 mt-2" href="/what-we-do/property-and-casualty-insurance">Discover</a> </li> <li><a href="/what-we-do/property-and-casualty-insurance/damage-to-property">Damage to property</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/personal-injury">Personal Injury</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/third-party-liability">Third-Party Liability</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/before-taking-out-a-property-and-casualty-policy">Before Taking Out a Property and Casualty Policy</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/insurance-product-distribution-and-claims-management">Insurance Product Distribution and Claims Management</a></li> </ul> </li> <li><a href="/what-we-do/insurance-for-companies">Insurance for Companies</a></li> <li><a href="/what-we-do/insurance-solutions-with-ESG-components">Insurance solutions with ESG components</a></li> <li> <a href="/what-we-do/Global-Advisor-Excellence-Contest"> Global Advisor Excellence Contest </a> <ul> <strong class="back">What we do</strong> <li class="flex-column main-section"> <h3>Global Advisor Excellence Contest</h3> <a class="btn-red mb-3 mt-2" href="/what-we-do/Global-Advisor-Excellence-Contest">Discover</a> </li> <li><a href="/what-we-do/Global-Advisor-Excellence-Contest/Hall-of-fame">Hall of Fame &amp; Finalists</a></li> <li><a href="/what-we-do/Global-Advisor-Excellence-Contest/Young-lion">Young Lion</a></li> <li><a href="/what-we-do/Global-Advisor-Excellence-Contest/engaged-agents">Generali Engaged Agents</a></li> </ul> </li> <li><a href="/what-we-do/asset-management">Asset Management</a></li> <li><a href="/what-we-do/Insurance-for-dummies">Insurance for dummies</a></li> <li><a href="/what-we-do/emerging-risks">Emerging risks</a></li> </ul> </li> <li> <a href="/sustainability">Sustainability</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Sustainability</h3> <p class="mt-1 mb-3"> Sustainability is the originator of our strategy. </p> <a class="btn-red mb-3" href="/sustainability"> Discover </a> </li> <li> <a href="/sustainability/responsible-business"> Responsible Business </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Business</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-business">Discover</a> </li> <li><a href="/sustainability/responsible-business/charter_sustainability_commitments">Charter of Sustainability Commitments </a></li> <li><a href="/sustainability/responsible-business/materiality-analysis">Materiality assessment</a></li> <li><a href="/sustainability/responsible-business/stakeholder-engagement">Stakeholder engagement</a></li> <li><a href="/sustainability/responsible-business/sustainability-indices-and-ratings">Sustainability indices and ratings </a></li> <li><a href="/sustainability/responsible-business/external-commitments">External commitments</a></li> </ul> </li> <li> <a href="/sustainability/responsible-insurer"> Responsible Insurer </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Insurer</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-insurer">Discover</a> </li> <li><a href="/sustainability/responsible-insurer/insurance-solutions-with-ESG-components">Insurance solutions with ESG components</a></li> <li><a href="/sustainability/responsible-insurer/SME-EnterPRIZE">SME EnterPRIZE</a></li> <li><a href="/sustainability/responsible-insurer/becoming-a-life-time-partner-to-our-customers">A Lifetime partner to our customers</a></li> <li><a href="/sustainability/responsible-insurer/NPS-improving-clients-experience">NPS: improving clients’ experience</a></li> <li><a href="/sustainability/responsible-insurer/Public-Private-partnerships">Public-Private partnerships</a></li> <li><a href="/sustainability/responsible-insurer/EU-Taxonomy-TSC-4-Data-sharing">EU Taxonomy</a></li> <li><a href="/sustainability/responsible-insurer/sustainability-into-underwriting">Sustainability into Underwriting</a></li> </ul> </li> <li> <a href="/sustainability/responsible-investor"> Responsible Investor </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Investor</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-investor">Discover</a> </li> <li><a href="/sustainability/responsible-investor/sustainability-into-investments">Sustainability into Investments</a></li> <li><a href="/sustainability/responsible-investor/investing-for-the-climate">Investing for climate</a></li> <li><a href="/sustainability/responsible-investor/real-estate-investments">Sustainable real estate investing</a></li> <li><a href="/sustainability/responsible-investor/sustainability-related-disclosures">Sustainability related disclosures</a></li> </ul> </li> <li> <a href="/sustainability/responsible-employer"> Responsible Employer </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Employer</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-employer">Discover</a> </li> <li><a href="/sustainability/responsible-employer/Generali-people-strategy">Generali People Strategy</a></li> <li><a href="/sustainability/responsible-employer/Employees_engagement">Employee engagement </a></li> <li><a href="/sustainability/responsible-employer/diversity-and-inclusion">Diversity Equity and Inclusion</a></li> <li><a href="/sustainability/responsible-employer/investing-in-our-people">Investing in our people</a></li> <li><a href="/sustainability/responsible-employer/training">Training</a></li> <li><a href="/sustainability/responsible-employer/work-life-balance">Work-life balance</a></li> <li><a href="/sustainability/responsible-employer/well-being">Well-being</a></li> <li><a href="/sustainability/responsible-employer/environmental-management">Environmental management system of Group Operations</a></li> <li><a href="/sustainability/responsible-employer/greenhouse-gas-emissions">Greenhouse gas emissions</a></li> <li><a href="/sustainability/responsible-employer/Green-offices-energy-use-of-resources-and-waste">Our offices: energy, use of resources and waste</a></li> <li><a href="/sustainability/responsible-employer/mobility">Mobility of our personnel</a></li> <li><a href="/sustainability/responsible-employer/social-dialogue">Social Dialogue</a></li> <li><a href="/sustainability/responsible-employer/european_social_charter">European Social Charter</a></li> <li><a href="/sustainability/responsible-employer/European_Works_Council">European Works Council</a></li> <li><a href="/sustainability/responsible-employer/working-with-our-suppliers">Working with our suppliers</a></li> </ul> </li> <li> <a href="/sustainability/responsible-citizen"> Responsible Corporate Citizen </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Corporate Citizen</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-citizen">Discover</a> </li> <li><a href="/sustainability/responsible-citizen/the-human-safety-net">The Human Safety Net</a></li> <li><a href="/sustainability/responsible-citizen/how-we-contribute">How we contribute</a></li> </ul> </li> <li> <a href="/sustainability/our-commitment-to-the-environment-and-climate"> Commitments to the environment and climate </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Commitments to the environment and climate</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/our-commitment-to-the-environment-and-climate">Discover</a> </li> <li><a href="/sustainability/our-commitment-to-the-environment-and-climate/participation-in-public-debate">Climate advocacy policy and participation in public debate</a></li> </ul> </li> <li> <a href="/sustainability/performance-and-reporting"> Performance and Reporting </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Performance and Reporting</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/performance-and-reporting">Discover</a> </li> <li><a href="/sustainability/performance-and-reporting/data-and-performance">Data and performance</a></li> <li><a href="/sustainability/performance-and-reporting/how-we-report-vista">Sustainability reports archive</a></li> </ul> </li> <li> <a href="/sustainability/sustainable-financial-management"> Sustainable Financial Management </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Sustainable Financial Management</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/sustainable-financial-management">Discover</a> </li> <li><a href="/sustainability/sustainable-financial-management/green-and-sustainability-bonds">Green &amp; Sustainability Bonds</a></li> <li><a href="/sustainability/sustainable-financial-management/green-social-and-sustainability-ILS">Green, Social and Sustainability ILS</a></li> </ul> </li> <li> <a href="/sustainability/our-rules"> Our rules </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Our rules</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/our-rules">Discover</a> </li> <li><a href="/sustainability/our-rules/governance-management">Governance &amp; management</a></li> <li><a href="/sustainability/our-rules/code-of-conduct">Generali Group Code of Conduct</a></li> <li><a href="/sustainability/our-rules/respecting-human-rights">Respecting human rights</a></li> <li><a href="/sustainability/our-rules/anti-corruption">Anti-corruption</a></li> <li><a href="/sustainability/our-rules/financial-crimes-compliance">Financial crimes compliance</a></li> <li><a href="/sustainability/our-rules/Anti-Financial-Crime-and-Anti-Bribery-and-Corruption">Anti Financial Crime and Anti Bribery &amp; Corruption</a></li> <li><a href="/sustainability/our-rules/tax-payments">Tax Strategy and Taxes</a></li> <li><a href="/sustainability/our-rules/tax-transparency-report">Tax Transparency Report</a></li> <li><a href="/sustainability/our-rules/group-security">Group security</a></li> </ul> </li> <li><a href="/sustainability/contacts">Contacts</a></li> </ul> </li> <li> <a href="/work-with-us">Work with us</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Work with us</h3> <p class="mt-1 mb-3"> People are our company&#039;s soul. </p> <a class="btn-red mb-3" href="/work-with-us"> Discover </a> </li> <li> <a href="/work-with-us/Get-to-know-us"> Get to know us </a> <ul> <strong class="back">Work with us</strong> <li class="flex-column main-section"> <h3>Get to know us</h3> <a class="btn-red mb-3 mt-2" href="/work-with-us/Get-to-know-us">Discover</a> </li> <li><a href="/work-with-us/Get-to-know-us/diversity-and-inclusion">Diversity Equity and Inclusion</a></li> <li><a href="/work-with-us/Get-to-know-us/Our-people-s-stories">Our people’s stories</a></li> </ul> </li> <li> <a href="/work-with-us/grow-with-us"> Grow with us </a> <ul> <strong class="back">Work with us</strong> <li class="flex-column main-section"> <h3>Grow with us</h3> <a class="btn-red mb-3 mt-2" href="/work-with-us/grow-with-us">Discover</a> </li> <li><a href="/work-with-us/grow-with-us/Drive-our-success">Drive our success</a></li> <li><a href="/work-with-us/grow-with-us/Your-development">Your development with us</a></li> <li><a href="/work-with-us/grow-with-us/We-LEARN">We LEARN</a></li> <li><a href="/work-with-us/grow-with-us/what-we-offer">What we offer</a></li> </ul> </li> <li> <a href="/work-with-us/join-us"> Join us </a> <ul> <strong class="back">Work with us</strong> <li class="flex-column main-section"> <h3>Join us</h3> <a class="btn-red mb-3 mt-2" href="/work-with-us/join-us">Discover</a> </li> <li><a href="/work-with-us/join-us/five-reasons-to-apply">Five reasons to apply</a></li> <li><a href="/work-with-us/join-us/Openings_Graduates_and_Students">Openings for Graduates and Students</a></li> <li><a href="/work-with-us/join-us/job-search">Job search</a></li> <li><a href="/work-with-us/join-us/contact-and-connect-with-us">Contact and connect with us</a></li> </ul> </li> </ul> </li> <li> <a href="/investors">Investors</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Investors</h3> <p class="mt-1 mb-3"> Driving sustainable growth, enhancing earnings profile, and leading innovation are the three pillars of our strategy. </p> <a class="btn-red mb-3" href="/investors"> Discover </a> </li> <li><a href="/investors/investing-in-generali">Investing in Generali</a></li> <li> <a href="/investors/Strategy"> Strategy </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Strategy</h3> <a class="btn-red mb-3 mt-2" href="/investors/Strategy">Discover</a> </li> <li><a href="/investors/Strategy/Outlook">Outlook</a></li> <li><a href="/investors/Strategy/investments-and-divestments">Investments and divestments</a></li> <li><a href="/investors/Strategy/transformation-strategy">Lead Innovation</a></li> <li><a href="/investors/Strategy/Growth-factors">Growth factors</a></li> </ul> </li> <li> <a href="/investors/financial-highlights"> Financial highlights </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Financial highlights</h3> <a class="btn-red mb-3 mt-2" href="/investors/financial-highlights">Discover</a> </li> <li><a href="/investors/financial-highlights/performance-by-segment">Performance by segment</a></li> <li><a href="/investors/financial-highlights/performance-by-country">Performance by country</a></li> <li><a href="/investors/financial-highlights/historical-data">Historical Data</a></li> </ul> </li> <li> <a href="/investors/reports-and-presentations"> Reports and presentations </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Reports and presentations</h3> <a class="btn-red mb-3 mt-2" href="/investors/reports-and-presentations">Discover</a> </li> <li><a href="/investors/reports-and-presentations/report-archive">Report Archive</a></li> <li><a href="/investors/reports-and-presentations/Presentations">Presentations</a></li> <li><a href="/investors/reports-and-presentations/investor-day">Investor Days</a></li> <li><a href="/investors/reports-and-presentations/opa-cattolica">Cattolica Tender</a></li> </ul> </li> <li> <a href="/investors/share-information-analysts"> Share information &amp; analysts </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Share information &amp; analysts</h3> <a class="btn-red mb-3 mt-2" href="/investors/share-information-analysts">Discover</a> </li> <li><a href="/investors/share-information-analysts/key-share-figures">Key share figures</a></li> <li><a href="/investors/share-information-analysts/tickers-and-indices">Tickers and indices</a></li> <li><a href="/investors/share-information-analysts/share-capital">Share capital</a></li> <li><a href="/investors/share-information-analysts/dividends">Dividends</a></li> <li><a href="/investors/share-information-analysts/Shareholding-calculator">Shareholding calculator</a></li> <li><a href="/investors/share-information-analysts/equity-analysts-and-consensus">Equity analysts and consensus</a></li> <li><a href="/investors/share-information-analysts/ownership-structure">Ownership structure</a></li> <li><a href="/investors/share-information-analysts/share-buyback">Share buyback</a></li> </ul> </li> <li> <a href="/investors/debt-ratings"> Debt &amp; ratings </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Debt &amp; ratings</h3> <a class="btn-red mb-3 mt-2" href="/investors/debt-ratings">Discover</a> </li> <li><a href="/investors/debt-ratings/listed-debt-securities">Debt securities</a></li> <li><a href="/investors/debt-ratings/debt-composition-and-maturity">Debt composition and maturity</a></li> <li><a href="/investors/debt-ratings/ratings">Ratings</a></li> <li><a href="/investors/debt-ratings/credit-analysts">Credit analysts</a></li> <li><a href="/investors/debt-ratings/sustainability-bond-framework">Sustainability Bond Framework and Report </a></li> </ul> </li> <li> <a href="/investors/Our-ESG-approach"> Our ESG approach </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Our ESG approach</h3> <a class="btn-red mb-3 mt-2" href="/investors/Our-ESG-approach">Discover</a> </li> <li><a href="/investors/Our-ESG-approach/Environmental">Environmental</a></li> <li><a href="/investors/Our-ESG-approach/Social">Social</a></li> <li><a href="/investors/Our-ESG-approach/Governance">Governance</a></li> </ul> </li> <li><a href="/investors/financial-calendar">Financial calendar</a></li> <li><a href="/investors/Retail-shareholders">Retail shareholders</a></li> <li> <a href="/investors/contacts"> Contacts </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Contacts</h3> <a class="btn-red mb-3 mt-2" href="/investors/contacts">Discover</a> </li> <li><a href="/investors/contacts/Contacts-for-institutional-investors">Contacts for institutional investors</a></li> <li><a href="/investors/contacts/Contacts-for-retail-shareholders">Contacts for retail shareholders</a></li> </ul> </li> </ul> </li> <li> <a href="/media">Media</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Media</h3> <p class="mt-1 mb-3"> The latest from Generali. </p> <a class="btn-red mb-3" href="/media"> Discover </a> </li> <li><a href="/media/press-releases">Press releases</a></li> <li> <a href="/media/News"> News </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>News</h3> <a class="btn-red mb-3 mt-2" href="/media/News">Discover</a> </li> <li><a href="/media/News/covid-19-emergency">COVID-19 emergency</a></li> </ul> </li> <li> <a href="/media/podcast"> Podcast </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Podcast</h3> <a class="btn-red mb-3 mt-2" href="/media/podcast">Discover</a> </li> <li><a href="/media/podcast/190-Years-of-Future">190 Years of Future</a></li> </ul> </li> <li><a href="/media/media-kit">Media kit</a></li> <li><a href="/media/events-calendar">Events calendar</a></li> <li> <a href="/media/multimedia-gallery"> Multimedia-Gallery </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Multimedia-Gallery</h3> <a class="btn-red mb-3 mt-2" href="/media/multimedia-gallery">Discover</a> </li> <li><a href="/media/multimedia-gallery/video">Videos</a></li> <li><a href="/media/multimedia-gallery/images">Images</a></li> </ul> </li> <li> <a href="/media/social-media"> Social media </a> <ul> <strong class="back">Media</strong> <li class="flex-column 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