Main magnitudes

Main magnitudes

The main types of insurance related to the environment are detailed below

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First comprehensive insurance for use with electric, hybrid and ecological vehicles. This product is available in Spain.

Policy that covers lack of sun or wind in photovoltaic and wind generation plants. This product is available in Spain.

Insurance that covers the different phases (design, construction, commissio-ning and operation) of large renewable energy plants (thermal solar and wind). This product is made available by MAP-FRE GLOBAL RISKS, MAPFRE RE and MAPFRE ASISTENCIA.

Policy that covers the shortfall in the energy savings obtained as compared to the initial estimate in implementing LED installations. This product is available in Spain.

Insurance designed specifically for repairing environmental damages. - This product is made available by MAP-FRE GLOBAL RISKS, MAPFRE RE and MAPFRE ASISTENCIA. These are also available in the United States and Brazil through the Insurance Unit.

Insurance that includes Third-Party Liability coverage for contamination. This product is available in Mexico.

Indicators

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Until 2010, the main actions related to SIGMAYE were focused on Spain, most particularly in those buildings housing the head offices and regional offices of Group companies, as well as in those facilities that house other MAPFRE entities and functions, such as MULTISERVICAR repair shops, the CESVIMAP research center and SALUD 4 polyclinics.

The corporate and global nature of the system that has been developed has facilitated MAPFRE in successively deploying said system around the world, and after approving the Environmental Expansion Strategic Plan in 2010, we started working on the local implementation of our Environmental and Energy Management System in those countries with a more mature insurance sector in 2012, the details of which can be seen in the accompanying graph: 

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As a result of this process, 9,644 MAPFRE employees now work in buildings certified to ISO 14001 standards.

2015 2014 % Variation
Employees under environmental management certification 9,644
8,019
20%

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All waste is managed through the mechanisms established by law and in accordance with best environmental practices, where reduction, reuse and recycling are given priority. The table below shows MAPFRE's overall waste treatment figures in 2014.

WASTE INDICATORS EN23 MEDIDA 2015 2014
Recycled toner Tm
18.30
19.53
Recycled paper Tm
991
1,206
Computers and electronic equipment managed Tm
61.74
45.73
Computers and electronic equipment donated Tm
18.38
8.05
% of donated equipments of the total managed %
30
32
Lamps and fluorescent lights at the end of their useful life Tm
2.19
2.93
Batteries Tm
3.40
1.66
Hazardous waste in buildings Tm
2.71
1.86
Hazardous waste in garages Tm
91
112
Non-hazardous waste in garages Tm
1,250
1,808
Other non-haradous waste Tm
213
183
Sanitary waste Tm
2.21
1.97
Expired medicines Tm
0.11
0.11
X-Rays Tm
0.83
1.34
Computer storage media managed Tm
6.17
5.88

The table below shows energy consumption indicators in MAPFRE's establishments: 

ENERGY CONSUMPTION INDICATORS

Unit

2015 2014
Total energy consumption GWh 137,68 125,441
Total energy consumed/ employee kWh/ employee
3,585
Energy consumption GWh 121,64
110,104
Natural gas consumption MWh 12.22
10.16
Petrol consumption in buildings L 384,939
522,430

The classification of greenhouse gas emissions (GHG) considered in the inventory is performed according to the scopes shown in the following graph:

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The main lines of work, from environmental dimension, with some of the main stakeholders are shown below:

Stakeholder Lines of Work
Employees

- Internal training provided by the Environment Division.

- Employees awareness through various initiatives of both global and local nature.

- Quality Certifications. 

Insured Parties and Clients

- Constant quest tor environmental insurance solutions and provision of environmontal services.

- Quality Certifications.

Shareholders and Investors

-Transparency in environmental management.

- Permanent collaboration with the Social Responsibility Division and Investor Relations Area.

-Active participation with Climate Disclosure Project (CDP).

- Quality Certifications.

Suppliers

- Establishment of environmental criteria for decision-making in the corporate purchasing processes, as well as processes for extending the environmnetal and energy commitments to the value chain and calculation of the environmental footprint associated with its services provided.

- Quality Certifications.

Society

- Compliance with the applicable environmental and energy law, rational use of the resources and permanent evaluation for the optimization of their use, as well as dissemination and promotion of environmental practices through national and international forums as mechanism for contribution to the Company.

- Quality Certifications.

- Participation in the Earth Hour initiative.

- Fundación MAPFRE non-profil projects.

Environmental Certificates

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Entities with ISO 14001 certificate. "General corporate services. Design, development and marketing of insurance activities"