Publication: Industria del seguro y desarrollo sostenible. Principios de Aseguramiento Responsable
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2015
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Helena Ancos
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Abstract
Las relaciones entre desarrollo sostenible y la industria del seguro encuentran su origen en la propia noción de sostenibilidad. La sostenibilidad, tal como fue definida en la primera Cumbre de la Tierra de 1992, evoca un objetivo de desarrollo donde sus elementos vertebradores eran el largo plazo en la búsqueda de la equidad intra e intergeneracional, la gestión de impactos y -en su versión precautoria- la anticipación a los riesgos, principios que delimitan un mínimo y crítico común denominador con los presupuestos operativos del sector asegurador.
El valor económico del desarrollo sostenible aparece ligado a la optimización de la utilización de los bienes, de ahí que la prolongación de su vida útil hará pivotar el valor añadido de los bienes y servicios no ya en la productividad sino en la innovación y en la conservación del capital natural y los activos existentes. En este contexto, el término de la asegurabilidad constituye el instrumento de mercado que más se adecúa para la consecución de la sostenibilidad, convocando en un mismo plano, la responsabilidad y diligencia de cada asegurado para limitar las pérdidas de sus activos, por un lado, y por otro, la capacidad de la industria aseguradora para promover las innovaciones necesarias para favorecer la sostenibilidad al tener encomendada la valoración y gestión de los riesgos medioambientales, sociales, y de gobernanza –ASG-, y la prevención de pérdidas y su mitigación.
The relationship between sustainable development and the insurance industry finds its origin in the very notion of sustainability. Sustainability, as defined in the first Earth Summit in 1992, evokes a development objective where its backbone elements were the long term in the search for intra and intergenerational equity, impact management and - in its precautionary version - the anticipation of risks, principles that define a minimum and critical common denominator with the operational budgets of the insurance sector. The economic value of sustainable development appears linked to the optimization of the use of goods, hence the prolongation of its useful life will swing the added value of goods and services not only in productivity but in innovation and conservation of natural capital and existing assets. In this context, the term of insurability constitutes the market instrument that best suits the achievement of sustainability, convening in one plane, the responsibility and diligence of each insured to limit the losses of their assets, on the one hand, and on the other hand, the capacity of the insurance industry to promote the necessary innovations to promote sustainability by entrusting the assessment and management of environmental, social, and governance risks (ASG), and the prevention of losses and their mitigation.
The relationship between sustainable development and the insurance industry finds its origin in the very notion of sustainability. Sustainability, as defined in the first Earth Summit in 1992, evokes a development objective where its backbone elements were the long term in the search for intra and intergenerational equity, impact management and - in its precautionary version - the anticipation of risks, principles that define a minimum and critical common denominator with the operational budgets of the insurance sector. The economic value of sustainable development appears linked to the optimization of the use of goods, hence the prolongation of its useful life will swing the added value of goods and services not only in productivity but in innovation and conservation of natural capital and existing assets. In this context, the term of insurability constitutes the market instrument that best suits the achievement of sustainability, convening in one plane, the responsibility and diligence of each insured to limit the losses of their assets, on the one hand, and on the other hand, the capacity of the insurance industry to promote the necessary innovations to promote sustainability by entrusting the assessment and management of environmental, social, and governance risks (ASG), and the prevention of losses and their mitigation.
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