Direct impact

Greenhouse gas emissions

over t 122,000
(-2% compared to 2013) = over 284,000 oil barrels burned

As regards the environmental impact directly associated with our activities, for years we have been working to reduce our consumption of energy, water and paper, to make waste management more efficient, and to improve company mobility by reducing travel through the growing use of videoconferences and teleconferences and prioritising the use of public transport or shared transport arrangements.

We also prioritise the use of environmentally-sustainable resources such as energy from renewable sources and ecological certified paper. All of our initiatives are aimed at reducing our greenhouse gas (GHG) emissions and achieving our goal of reducing them by 20%.

t 2.5 CO2e per capita

Breakdown of GHG emissions

Breakdown of GHG emissions

Breakdown of GHG emissions by Scope

Breakdown of GHG emissions by Scope

In 2015 total GHG emissions amounted to 122,258 tonnes of carbon dioxide equivalent (CO2e).

As established by international reporting standards, we have divided our GHG emissions into three categories:

2015/2013 on
a like-for-like
Scope 1
direct emissions, generated by fuel
for heating and kilometers travelled
by the corporate fleet
18,439  21,703 17.7%
Scope 2
indirect emissions from energy
consumption, associated with the use
of electricity and district heating
59,070 57,025 -3.5%

Scope 3
other indirect emissions from energy
consumption, connected with employee
commutes, paper and water consumption,
and the disposal of waste

47,184 43,530 -7.7%
Total 124,693 122,258 -2%

* The data include the Czech Republic and are calculated using the same methodology compared to 2015. Further information is available in the Generali Group Inventory of GHG emissions document, on our website

Like every year the Scope1 and Scope2 emissions will be certified by certification body RINA Services S.p.A. according to the ISO 14064-1 standard and reported in detail in the Generali Group Inventory of GHG emissions document.

Electricity and heating fuels consumption

over GJ 773,000 energy
(-5.4% compared
to 2013) = 1,5 years of public lightening
in Rome

In 2015, we consumed a total of 773,610 Gigajoules of energy. Electricity, both purchased and self-produced by the trigeneration plants, is the predominant part of our energy consumption: over 140 million kWh were consumed in our premises (-1.8% compared to 2013) with a per capita consumption of 4,118 kWh (+0.6%). While natural gas consumption was 2.2 million m3 (-2.3%) and diesel oil consumption was 223 m3 (-5.9%).

GJ 22.7 per capita energy

Breakdown of energy consumption

Breakdown of energy consumption

As for the energy consumption of our premises, we carry out constant checks on our assets according to environmental efficiency criteria, using the best systems and technologies. We make as much use as possible of energy saving lighting and heating/cooling technologies such as energy saving light-emitting diodes, building envelopes and insulation and thermal doors, ceiling, under-floor or direct expansion (heat pumps) heating/cooling systems, movement sensors or clocks/timers for controlling the switching on and off of the systems.

In 2014 we launched a global initiative to develop and implement a new office concept across the Group. The main advantages expected from this transformation are those of increasing flexibility and efficiency, as well as creating offices that are safer, healthier and more comfortable for workers, and common areas designed to promote sharing and creativity. To meet these goals we initially focused on the improved management of spaces, with a consequent reduction in energy consumption.

In Austria the majority of buildings have Energieausweis energy certification attesting to the energy performance of the building, while in France the majority of sites have High- Quality Environmental certification (HQE) and in Italy sustainability assessments have been performed at many buildings. Where required by legislation, energy audits have been carried out in all countries in the Environmental Management System and the requirements of European Parliament and Council Directive 2012/27/EU on energy efficiency have been met. All over the world, an increasing number of buildings have obtained LEED and/or BREEAM certification.

The overall consumption also includes the electricity consumed by the Data Processing Centres (DPC). In recent years we have pursued a Green IT process to consolidate and streamline IT activities into two main DPC, one in Italy and one in Germany. Measures have been implemented in the DPC to reduce the amount of electricity consumed by introducing less energy-intensive machines and switching to new virtualisation systems. The introduction of the latter has also made it possible to manage the surfaces and the spaces dedicated to the DPC more efficiently.

In 2015 we mainly consumed electricity deriving from renewable sources, thus contributing to the preservation of natural resources.

Breakdown of electricity consumption

Breakdown of electricity consumption

Electricity from renewable sources

In order to reduce environmental impact, we have made a commitment to purchasing electricity from renewable sources. In Germany, the certification body TÜV certifies that all electricity used comes from a hydroelectric source, while in Italy the electricity consumed at all sites is offset with certificates which attest the renewable origin of the sources used by plants.

A trigeneration plant for our consumption

In order to cater for the energy consumption of the DPC in Mogliano Veneto in Italy, a natural gas-fuelled trigeneration plant was developed that makes it possible to produce electricity, heating and cooling energy with notable savings in terms of consumption. The plant became fully functional in late 2013 with the entry into operation of a first motor, and we plan to begin using a second machine by 2016 which will enable us to cover almost all of the electricity and thermal energy requirements of the Mogliano Veneto complex. In 2015 the plant consumed 2,474,634 m3 of natural gas producing 9,614,720 kWh of electricity. In 2015 a new trigeneration plant was also introduced at the German site in Bernried which will cover 95% of electricity requirements with an estimated production of 355,000 kWh a year.

LED lighting for our sites

We want to increase the efficiency of our offices; for this reason, in recent years we have been installing light fittings that use LED technology in our offices.
This technology, which continues to develop as regards its light efficiency (lumen/Watt), makes it possible to obtain notable electricity savings. In addition, the fact that LED bulbs last over twice as long as traditional fluorescent technology means that there are also financial savings to be made. Generali was one of the first companies in Italy to use LED technology not only in the common areas of its sites. The substitution process is proceeding quickly in all countries in which the Group operates, in 2015 regarding sites in Rome, Paris and Germany.

CityLife: a new way of living and working

CityLife is the Generali Group company working on the project to redevelop the historic Fiera di Milano urban trade fair hub. Covering 366,000 m2, it is one of the biggest urban redevelopment sites in Europe and the architects involved in the project include such prestigious names as Zaha Hadid, Arata Isozaki and Daniel Libeskind. CityLife is a balanced mix of private and public services, including apartments, offices, a business centre and the second biggest public park in the centre of Milan, as well as the first city-centre practice golf course in Europe. The heart of the area will be the innovative Business and Shopping District comprising three towers and Piazza Tre Torri with stores, services, restaurants and entertainment opposite the park. The entire area stands out for its focus on sustainability and respect for the environment: the residences have a class A rating and mainly use renewable energies, while the three towers have already obtained prestigious LEED pre-certification with a Gold rating. It will also have the largest pedestrian area in Milan thanks to its underground roads and car parks. Launched in 2013, the construction of the 170 metre-high Generali tower is an example of relocation of our employees to a green building that will be completed in 2017.

The LEED certification is an international rating system measuring the sustainability of buildings according to factors such as energy efficiency, water savings, choice of construction materials, comfort and the healthiness of workspaces

Mobility management

km 244 m
travelled by car,
train and airplane
(+3.7% compared
to 2013) = over 600 trips to the moon

We also seek to reduce greenhouse gas (GHG) emissions through the sustainable management of mobility.

We are investing in new technologies to reduce the business trips of our employees, promoting the use of videoconferences and teleconferences. In 2015 we further strengthened our range of remote communication tools, setting up new video conference rooms. In France and Italy it is also possible to take part in video conferences from individual workstations thanks to the availability of dedicated tools such as, for example, Microsoft Lync.

In many countries telecommuting is a possibility while the travel policy prioritises the use of public transport, and environmentally-friendly forms of public transport in particular (e.g. trains rather than planes).

In Germany, for a number of years we have had an agreement with Deutsche Bahn, the German national railway company, whereby all high-speed train journeys made by employees on duty are carbon neutral, meaning the emissions are offset through environmentally-sustainable initiatives.

t km 4,985 per capita

Meanwhile, the car policies lay down maximum limits of carbon dioxide emissions for the corporate fleet.  In France, since July 2015 members of the top management have also been able to choose hybrid or electric cars, while in the Netherlands almost the entire fleet is hybrid. In Austria, France and Italy there are tele-expertise systems for claims, which reduce the number of car journeys by assessors.

Breakdown of kilometres travelled by employees on business trips

Breakdown of kilometres travelled by employees on business trips

No travel week

The Group travel policy seeks to standardise the treatment of employees on business trips in all countries where the Group is present, and to further discourage travel and transfers, thanks also to new investment in remote communication tools. For this reason No Travel Week was introduced which, for one week a month, sees all employees work in their own offices without making any transfers.

A prize for the fleet

We choose vehicles with low overall emissions for our corporate fleet. For the third consecutive year, in Slovenia our fleet was the most environmentally-friendly in the country, winning first prize in the best ECO fleet 2015 competition held by national daily Finance. Between 2013 and 2015 our company in Slovenia managed to reduce the average emissions of its vehicles from 132 to just 111 grams per kilometre.

Green couriers

In Italy, in Milan cycling is the fastest and most environmentally-friendly way of getting around, particularly in the city centre where access is affected by the presence of pedestrian areas and traffic restrictions. For this reason we have launched a pilot project that involves couriers delivering our packages by bicycle. During its first month, 80 deliveries were made. In recent years, Generali has also established agreements with the Postal Service in Austria and Deutsche Post/DHL in Germany which involve the offsetting of CO2 emissions relating to each package shipped through the purchase of certificates that use environmental initiatives to neutralise these emissions.

Mobility week

In Argentina, we launched Sustainable Mobility Week to inform and incentivise our employees, creating a dedicated website and organising a series of conferences with external speakers. We also launched a carpooling platform and carried out an online survey to get to know the transport habits of our employees.

Paper consumption

q 64,000 paper
(-15.8% compared
to 2013) = over 2,5 m A4 reams of paper

Paper is still the main material used in insurance and financial activities. For this reason, we are committed to reducing our consumption of both white paper and printed paper. The reduction in consumption achieved in recent years has been possible thanks to various initiatives: the standard practice of printing on both sides of the paper, the replacement of individual photocopiers and fax machines with multifunctional machines or centralised printers for the office/floor, and the reduction of internal paper-based correspondence. In many agencies policies are only printed when taken out, with the elimination of pre-printed forms, and policy conditions are available on the company websites. In addition, for communications between companies, agencies and clients, attempts are being made everywhere to switch to alternative systems to paper, such as email and text message.

q 1.3 per capita paper

Where possible, we try to encourage our employees to scan documentation relating to various types of request (reimbursements, medical certificates etc.) and to send it by email or upload it in special areas in order to avoid pointless print-outs. We recycle almost all paper.

We are committed to achieving 95% of ecological paper by 2020. In 2015 the quota amounted to 86%. Currently, 100% of the paper purchased in Austria, Spain and Switzerland is certified as environmentally-friendly as it satisfies the criteria established by national and international certification systems. As well as ecological paper, the Group companies also use a small quantity of recycled paper, equal to 6%.

Breakdown of paper consumption

Breakdown of paper consumption

Ecological and recycled paper to protect our planet

In Austria, paper made with the cellulose of the eucalyptus tree is used, a tree that grows very quickly and absorbs a lot of CO2.
In Italy, over 14,000 notebooks produced from apple paper, a raw material created from apple rocessing residues, were given to employees at Christmas.

Water consumption

m3 535,000 water
(-3.1% compared to 2013) = over 200 Olympic swimming pools

We mainly use water for hygienic and sanitary purposes and for the operation and cooling of air conditioning equipment. Almost all of the water consumed comes from municipal or state water mains. In 2015 we consumed 535,107 m3 of water. In Italy, we also withdrew 156,469 m3 of water from the Po River and the aquifer at the Mogliano Veneto site which was used as industrial water for the cooling systems. To reduce water consumption we have introduced systems at our sites that mix water and air; alternatively, we have installed photocells or timed controls that make it possible to control water flows and reduce the waste of this resource to a minimum.

m3 15.7 per capita water

In order to reinforce and demonstrate its commitment to reducing water consumption, in 2011 the Group signed the CDP Water Program, an international initiative that seeks to raise the awareness of companies as regards the sustainable management of water.

Water, a resource not to be wasted

At some German sites rainwater is collected and reused to water green areas.
In 2015, 240,000 litres of rainwater was collected. We have also constructed a well at the Mogliano Veneto site to withdraw water from the aquifer. At the Guernsey and Guatemala sites a rainwater collection and recycling system was installed. After being suitably filtered and treated, the water is then used for sanitary purposes.

Separate waste collection

over q 68,000 waste (-2.8% compared to 2013) = over 300 containers of 40 m3 each

In recent years we have heavily invested in separate waste collection and the recycling of waste. At every site there are bins for the separate collection of paper and cardboard, plastic, glass and aluminium. Metals, wood, wet waste, used oil, sanitary waste, hazardous waste and IT and toner waste are also subject to separate waste collection. Internal communication campaigns have been carried out in many companies to raise the awareness of employees.

 q 2 per capita waste

Paper and cardboard constitute the majority of the separately collected waste, which came to 77% of the total.

Methods of waste collection

Methods of waste collection

Nothing is thrown away

In Germany, the awareness campaign launched at the Aachen site, Zu gut für die Tonne (too good for the bin), to reduce food waste continued in the Cologne canteen in 2015. For two months the leftover food remaining on trays was weighed. Every week the employees were informed of their total weight and given some tips on how to reduce it. Thanks to this campaign we managed to reduce the amount of food left on the trays by 15%. In addition, plastic coffee cups were replaced with porcelain cups at the Cologne site while at the Karlsruhe site the waste disposal process was facilitated by the introduction of a system of colours for matching waste with the correct bin.
In France, since 2013 coffee capsules have been collected separately and returned to the supplier who then separates the aluminium, which is recycled, from the coffee, which is used as compost.
In Austria, a specialist company collects used oil from the company canteen and transforms it into biofuel.