Better Health for All

RSA's core business of general insurance has a neutral health impact. However, the company actively avoids revenue from activities with well-established negative health outcomes by excluding Arctic oil and gas exploration, standalone oil sand accounts, thermal coal mining, and utilities with significant coal power generation from its energy insurance portfolio.

RSA demonstrates excellent data practices, outlining an approach to safeguarding customer data and ensuring compliance with privacy legislation, including the U.K. and E.U. GDPRs. The company also shows strong support for mental health, offering comprehensive mental health support, an Employee Assistance Programme, and a mental wellbeing app (myStrength) for its employees and their families. Furthermore, the myStrength app is extended to employees of customer businesses through RSA's enhanced Accident and Health product offering.

Fair Money & Economic Opportunity

RSA Insurance Group Limited is primarily an insurance company and does not provide debt products to consumers, therefore it has no revenue from high-cost financial products or penalty fees, and is not regulated as a lender with fair-lending history available. In 2024, the company directly contributed £1.6 million to charitable initiatives.

With a profit before tax of £195 million in 2024, this represents approximately 0.82% of pre-tax profit reinvested in community initiatives.

Fair Pay & Worker Respect

In 2023, within its Canadian insurance operations, RSA demonstrated strong pay equity, with women earning equivalent dollar for dollar compared to men, and Black People and People of Color (BPOC) earning on average 99 cents for every dollar earned by non-BPOC employees, after adjusting for level, location, and role.

The company's global voluntary employee turnover rate was 11.4%. Employee engagement survey ratings in 2023 varied by region, with 77% in Canada, 81% in the U.S., and 58% in the U.K. & Ireland.

Fair Trade & Ethical Sourcing

RSA Insurance Group Limited, as an insurance company, does not procure or trade physical commodities, rendering fair-trade certification share, traceability coverage, and materials risk index not applicable to its operations. The company reported zero cases of modern slavery through its formal channels in 2023

and utilizes supplier monitoring systems like FSQS to support compliance with ESG policy areas, including modern slavery . No specific quantitative data was provided for average audit frequency, median remediation speed, the percentage of procurement budget directed to diverse suppliers, or the percentage of supplier contracts including enforceable ethical-sourcing clauses, leading to their omission.

Honest & Fair Business

In September 2022, RSA settled a £150 million lawsuit with over 100 institutional investors who accused the company of defrauding the market by overstating profits and failing to disclose a decline in reserves

. In April 2023, the Central Bank of Ireland prohibited Martin Ryan, the former Chief and Signing Actuary at RSA Insurance Ireland, from performing controlled functions for five years due to his role in facilitating under-reserving in 2013 . Previously, in December 2018, RSA Insurance Ireland was fined €3.5 million by the Central Bank of Ireland for deliberate under-reserving of large loss claims and manipulation that artificially inflated profits by €78.2 million between 2009 and 2013, revealing serious shortcomings in internal controls and corporate governance . RSA Insurance Group Limited states it enforces strict anti-bribery and corruption measures and has demonstrated a commitment to ESG principles .

Kind to Animals

RSA Insurance Group's Business Combined product is not suitable for the 'Animal testing' sector, indicating a policy of not insuring animal testing operations.

As a service provider, the company's core business model does not involve direct animal testing, animal agriculture, or the use of animal-derived ingredients, resulting in N/A scores for related KPIs. There is no specific, measurable evidence regarding wildlife conservation impact, supplier audits for animal welfare, or public policy engagement on animal welfare.

No War, No Weapons

RSA (Intact) holds $828 million in investments in controversial weapons companies, as part of a collective investment with other insurers.

The company also underwrites and funds firms identified as defense contractors, including Boeing, Lockheed Martin, Elbit Systems, and BAE Systems. There is no evidence of divestment from these defense-related assets. RSA's Code of Conduct, effective February 1, 2024, prohibits providing products for prohibited end-uses such as missile technology and the proliferation of nuclear, chemical, or biological weapons, and to prohibited end-users subject to comprehensive OFAC sanctions. Additionally, RSA Insurance Group Limited signed the Armed Forces Covenant in January 2023 and received the Defence Employer Recognition Scheme Gold Award in September 2024 from the UK Ministry of Defence, recognizing its support for the Armed Forces community.

Planet-Friendly Business

RSA's total Scope 1, 2, and 3 GHG emissions (market-based) for the Group were 4,535 tCO2e in 2024.

The company has committed to net zero by 2050 and aims to halve operational emissions by 2030 from a 2019 baseline, but does not explicitly state SBTi-validated targets. RSA considers itself largely consistent with TCFD recommendations, integrating climate change into its Risk Appetite Statement and Own Risk and Solvency Assessment. The company has invested £400,000 in a 2-year partnership with Gloucestershire Wildlife Trust for Natural Flood Management solutions, which includes creating wetlands and rain gardens to protect local habitats. Its parent company, Intact, has helped protect over 10,000 hectares of critical ecosystems.

Respect for Cultures & Communities

RSA, as part of Intact Financial Corporation, has over 20 formal partnerships with local and indigenous community groups, including the Gloucestershire Wildlife Trust, UK Youth, AsIAm in Ireland, and 19 municipalities, charities, and Indigenous communities through the Municipal Climate Resiliency Grants program.

, The company issued a formal apology for its historical association with the Trans-Atlantic Slave Trade and has since implemented initiatives such as signing the Race at Work Charter, participating in the 10,000 Black Interns program, and establishing the REACH employee resource group. Additionally, 95% of employees have completed the Truth and Reconciliation training program.

Safe & Smart Tech

RSA retains personal information for 7 years from contract cancellation or claim closure

, indicating limited data minimization practices. The company also experienced an incident in 2023 where a former employee accessed and sold customer data. However, RSA demonstrates strong security measures, utilizing FIPS 140-2/FIPS 140-3 validated cryptographic modules for data at rest and in motion across mobile, cloud, and on-premises environments. It holds numerous certifications including FIDO2 , SOC 2 Type 2 , CSA STAR , FedRAMP Moderate , ISO 9001:2015 , and CMMC Level 1 , and uses policy management software to strengthen compliance. For AI ethics, RSA conducts checks to ensure AI use is lawful and unbiased , and employs human risk engineers to uphold ethics. Users have standard rights to access, correct, and erase their data , with requests typically processed within one month , and can request manual reassessment of automated decisions. Basic AI audits are carried out to ensure legal compliance and prevent bias.

Zero Waste & Sustainable Products

RSA diverted 81.3% of waste from landfill in 2023, covering its Canadian and UK&I operations.

The company implements over ten waste reduction initiatives, including a 'repair over replace' philosophy with suppliers, reducing paper use, and various recycling programs for office items such as bottles, ink cartridges, pens, small electronics, and 150 pounds of dead batteries in its Mississauga office over 12 months. Its Dry in Place (DIP) program deployed approximately 5,000 projects in 2023, reducing building materials in water damage repair. RSA's Sustainability Guidelines for Property Restoration incorporate circular economy principles by optimizing material use, prioritizing recycled/recyclable and durable materials, and encouraging repurposing and refurbishing. The company requires material suppliers to evidence how they monitor, measure, and manage their environmental impacts, including waste generation and disposal. RSA also recommends sustainable claims solutions for customers to consider and has had no waste disposal violations in the past three years.