Caixa Seguridade adopts transparent, responsible practices aligned with the best guidelines for corporate governance, business responsibility and sustainable development. In addition to mitigating risks, the Company actively works to create long-term value, contributing to the strengthening of the insurance market and sustainable development.
Faced with a global scenario that demands effective solutions to challenges such as climate change, social inequality and ethical governance, Caixa Seguridade integrates sustainability into its operations and strategic decisions, reinforcing its commitment to investors, customers and society.
Governance and Sustainability Management
At Caixa Seguridade, sustainability governance is a strategic pillar that guides our decisions, ensuring transparency, ethics and responsibility in creating sustainable value for society and our stakeholders.
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Social, Environmental and Climate Responsibility Policy – PRSAC |
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Sustainability Committee Regulation |
Frameworks
We adopt the main sustainability frameworks to ensure transparency, comparability, and alignment with global best practices.
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GRI: The Global Reporting Initiative (GRI) is one of the main global references for sustainability reporting, providing guidelines that ensure the transparency and comparability of sustainability information. At Caixa Seguridade, we follow GRI standards to communicate our environmental, social and governance performance in a clear and structured manner, reinforcing our commitment to corporate responsibility and sustainable value generation. |
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SASB: The Sustainability Accounting Standards Board (SASB) provides industry-specific standards, enabling our sustainability disclosures to be more relevant to investors and stakeholders by focusing on financial metrics and material risks. |
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IR: The International Integrated Reporting Council (IIRC) promotes Integrated Report, connecting financial and non-financial information for a holistic view of Caixa Seguridade’s performance. This model reinforces transparency and long-term value creation for our stakeholders. |
Climate Management
Caixa Seguridade is committed to managing climate impacts and transparency in disclosing our greenhouse gas emissions.
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CPD: The Climate Disclosure Project (CDP) is a global initiative that encourages companies to improve the disclosure of climate-related information. In 2024, we joined the CDP, reaffirming our commitment to transparency and climate risk management. |
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PBGHG: The Brazilian GHG Protocol Program (PBGHG) is the main tool used in Brazil to quantify and report greenhouse gas emissions. Since 2023, we have participated in the program and, as recognition of our reporting practices, received the Gold Seal, ensuring that our information follows the highest standards of quality and credibility. |
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Emission Neutralization: the company has acquired 3,000 carbon credits, ensuring the annual offset of estimated emissions until 2027. This initiative reinforces the company’s commitment to sustainability and responsible management of its GHG emissions. The carbon credits offered by CAIXA originate from the Urban Solid Waste Management Program of Activities (PoA CAIXA), registered with the United Nations since 2012. Valid until 2040, this program was a global pioneer in large-scale solid waste initiatives and the first in Brazil to be registered by a financial institution. |
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ICO2: The ICO2 B3 is composed of shares and units exclusively from companies listed on B3 that meet the inclusion criteria described in the methodology. Companies’ adherence to ICO2 B3 demonstrates their commitment to efficient greenhouse gas (GHG) emissions and the adoption of management practices that enhance efficiency in these emissions, contributing to the progress of the transition to a low-carbon economy. |
Pacts and Commitments
We are part of global and national initiatives that reinforce our commitment to sustainability, ethics and social inclusion.
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UN Global Compact: In 2024, we joined the UN Global Compact, the world’s largest corporate sustainability initiative. This commitment aligns us with the Ten Principles of the Compact, which cover human rights, labor, the environment and anti-corruption, in addition to the Sustainable Development Goals (SDGs). |
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Racial Equity Promotion Pact: Diversity and inclusion are fundamental pillars for us. Therefore, in 2024, we joined the Pact, reinforcing our commitment to reducing inequalities and valuing racial diversity in the corporate environment. |
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ABNT Women – Good Practices Certification in Combating Violence Against Women: The Company adhered to the standard defined by the audit, which assesses the quality of corporate practices in tackling violence against women, through training, awareness-raising initiatives, stakeholder engagement, and codes of conduct. In recognition of the maturity and effectiveness of these initiatives, Caixa Seguridade was awarded the Gold Seal of the ABNT Women Certification, highlighting its commitment to promoting safe environments, gender equity, and the empowerment of women. Commitment Term to Combat Violence Against Women and Promote Their Rights. Commitment Term to the “Red Light Against Domestic Violence” Campaign. If you are experiencing violence because you are a woman, you can ask for help at pharmacies, public agencies, and bank branches. Simply draw a red “X” on the palm of your hand and show it to the staff, who have received guidance on how to handle the situation. The Red Light Campaign aims to support victims of domestic violence. CAIXA Seguridade reaffirms its commitment to promoting safe environments, combating violence against women, and disseminating information that contributes to the protection and guarantee of rights. You are not alone. Seek help. |
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CEBDS: The company joined the Brazilian Business Council for Sustainable Development in November 2025. It is a non-profit civil association that represents the Brazilian business sector in promoting sustainable development, working with governments and civil society to create public policies and disseminate practices that reconcile economic growth with social and environmental responsibility. |
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PSI: Caixa Seguridade joined the Principles for Sustainable Insurance in October 2025. Launched at the United Nations Conference on Sustainable Development in 2012, the UNEP FI Principles for Sustainable Insurance (PSI) serve as a global framework for the insurance sector to address environmental, social, and governance risks and opportunities. It is the largest initiative between the UN and the global insurance industry, with around 300 members worldwide. The vision of the PSI Initiative is of a risk-aware world where the insurance sector is trusted and plays its full role in promoting a healthy, safe, resilient, and sustainable society. |
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Business Pact for Integrity and Against Corruption: Clean Company Pact, which includes a set of guidelines and procedures to be adopted by companies and signatory entities in their relationship with public authorities. |
Climate Studies
Caixa Seguridade, in partnership with its five joint ventures and the Institute for Climate and Society (iCS), coordinated the development of five unprecedented studies on risks and opportunities related to the sustainability and climate change agenda. These studies address the Company’s main business segments: Home Insurance, Credit Letters, Premium Bonds, Life Insurance, and Assistance services. These studies were developed to analyze how climate change affects the insurance segment and to propose pathways for innovation and adaptation. In addition, Caixa Vida e Previdência also developed a separate study, in partnership with FGV, focusing on Private Pension Funds and Climate Finance. This work complements the five studies by providing reflections on how pension investments can contribute to the transition toward a low‑carbon economy:
Initiatives and Highlights
Safe Women Program: Composed of an expanded gender agenda, derived from the ABNT Women’s agenda, involving participating companies. It includes a series of actions, such as joining and training to the Red Signal Campaign – a campaign launched in 2020 by the National Justice Council (CNJ) and the Association of Brazilian Magistrates (AMB), the XS Women Forum and Their Day.
Permanent Forum Woman XS: The forum discusses the priorities of the gender agenda and the points that can create synergies in the group trough transversal and coordinated actions. Furthermore, the group will propose an action plan that includes HR, sustainability and relationship with female customers, with each proposal debated in the Forum being conducted to the governance stream of each group company.
Their Day: This is a monthly meeting facilitated by the Forum and dedicated to the women of the group, where actions that promote their gathering will be sought. The meeting’s guidelines are: promoting relevant debates, fostering encounters and exchange of experiences, moments of relaxation and bond creation.
Path to Parity – 30% Club Brazil Award 2024: Caixa Seguridade received the Path to Parity – 30% Club Brazil Award 2024, a recognition for our progress in promoting gender diversity in leadership positions. This award reinforces our commitment to inclusion and building a more equitable and representative corporate environment.
Below, we provide the Integrated Report, the GHG Emission Inventory and the Verra Carbon Credit Acquisition Certificate, accessible by selecting the reference year:
Verra Carbon Credit Acquisition Certificate
GHG Emission Inventory
Integrated Report - Video
Integrated Report
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