What we do

“Climate change is
the single greatest threat
to a sustainable future but,
at the same time,
addressing the climate challenge presents a golden opportunity
to promote prosperity, security,
and a brighter future for all.”

-Ban Ki-Moon, Former Secretary-General of THE UN

the
problem

Efforts to combat climate change are often complex, slow-moving, costly, or difficult to scale.

While grassroots movements and government actions are vital, they often struggle to deliver the large-scale impact we urgently need. For organizations trying to navigate these challenges alone, the task can feel overwhelming — sometimes impossible.

Premiums for the Planet offers a game-changing approach that taps into an industry every business relies on: insurance.

Here’s how the current system works:

  1. Companies pay insurance premiums for risk coverage.

  2. Insurers then underwrite and invest these premiums in the industries most responsible for climate change.

  3. This fuels the climate crisis, intensifying natural disasters and raising costs for companies across their supply chains. Insurers face higher claims, threatening their long-term viability.

our
solution

Premiums for the Planet unites the collective insurance spending power of our members to create a strong incentive for insurers to change course. This allows us to:

Demand Change: Incentivize insurers to shift their $7 trillion in investments away from climate-harming industries and stop underwriting unsustainable risks.

Drive Impact: Redirect investments toward renewable energy, climate justice, and innovative climate solutions currently blocked by outdated underwriting practices.

Achieve Results: Secure stronger coverage for member companies while driving meaningful climate action.

The best part

We handle all the logistics, allowing your company to be part of a major climate solution with minimal effort and only the dollars you’re already spending on insurance. You’ll continue receiving the same or better coverage at competitive rates—all while driving massive impact towards climate solutions.

our membership

Who should join?

Due to the scale of impact we are targeting, we are presently focused on serving organizations with:

  • Commercial insurance > $50,000/year

  • or > $50M in annual revenues

  • or > 100 employees/member organizations

  • or currently a portfolio company or member of our partner organizations such as: Climate Collaborative, Third Derivative, B Lab, and 1% for the Planet.

Why do organizations join?

Being a Premiums for the Planet member means that you can focus on operating your daily business while we tackle the hard work of changing global systems to work better for us all.

Simply put, our members receive the same or better coverage, at the same or better price, while their premiums are doing the extra work of rallying for better climate protections.

how
to join

BEcoming a Member typically takes around 3 meetings

  1. Intro Chat - Discuss interest and confirm readiness for brokerage change.

  2. Info Sharing - Share insurance details to match with vetted PFP brokerage ally.

  3. Brokerage Change - Finalize brokerage change and integrate into PFP community.

What’s so special about PFP brokerage allies?

Our brokerage allies help ensure that our members receive the best coverage and costs. Meanwhile, we engage carriers to drive meaningful changes in investing and underwriting on behalf of all our members. No single broker, company, or insurance carrier can achieve this alone—we must work together to make this change happen. Premiums for the Planet convenes, coordinates, and leads a movement to harness the power of insurance for a more just and sustainable planet.

FAQs

  • Our visible, badged membership marks your company as part of the climate finance solution. Your organization joins a like-minded, curated community in a visionary movement allowing for active networking and cross-promotion. Membership also gives your organization the opportunity to have and communicate outsized sustainability impact far beyond your own operations.

  • Our membership is completely free! We use only the money you already spend on insurance.

  • Premiums for the Planet exists to pool the premiums of like-minded businesses to advocate for more responsible investing and underwriting from insurance carriers, thereby combating climate change at a systemic level. By creating a movement through membership, we are able to instigate change from outside the confines and entrenched financial incentives of the established insurance system. Simultaneously, being a co-broker allows our select brokerage partners to continue providing best in class service and pricing to our members.

  • Our visible, badged membership marks your company as part of the climate finance solution. Your organization joins a like-minded, curated community in a visionary movement allowing for active networking and cross-promotion. This badged membership gives your organization the opportunity to communicate your outsized sustainability impact to all your stakeholders, internal & external.

  • We are currently focused on commercial property and casualty insurance, but do have resources to help with company health and benefits as well as nearly any other organizational insurance need. As our movement grows we plan to expand into other insurance markets, so if you’re interested in individual insurance, send us your info and we will reach out when we can meet your needs and exceed your expectations.

a movement is only as powerful as the people behind it. Meet the sustainability leaders walking the walk.