Comportamiento individual de cada enzima

We aim to make a positive contribution to the communities in which we operate, placing

integrity and professional excellence at the heart of our business practice.

Charles Philipps

Amlin UK has invested in the latest Mapflow technology to enable underwriters to analyse UK flood risk probability and thus provide clients with the optimum cover for their commercial property.

Amlin is interested in developing commercial insurance policies to protect new technologies that tackle climate change. We insure European wind farms and solar energy capture and we can offer a green repair or reinstatement option on selected UK property products. We have also developed specialist insurance for the recycling and waste reprocessing industries and the transport of hazardous chemicals. Amlin also provides marine liability insurance against accidental pollution during transport of materials to recycling or disposal sites between ports within Europe.

Amlin is keen to engage with the insurance market in the design and delivery of solutions for the developing world for protection against severe weather-related disasters. Our reinsurance underwriting teams are able to consider risk transfer mechanisms such as catastrophe pools and we have instigated a discussion with Lloyd’s and the UK Department for International Development (DFID) to consider where our capital markets expertise may be of use in assisting developing countries to deal with the potential for severe disruption from catastrophic events. As well as making investments through Leadenhall Capital Partners managed funds, we have also invested in catastrophe bonds through the purchase by Syndicate 2001 of Mexican earthquake and windstorm bonds during the year.

4: Incorporate climate change

into investment strategy

Amlin has a policy of carefully selecting asset classes for investment but outsources the majority of specific investment management decisions to a panel of investment managers. The majority of assets are allocated to cash or fixed income investments, although there is a small equity content as well. The fund managers selected to manage a segregated portfolio must sign an

“Amlin encourages the Manager, taking due account of the investment objectives that have been set by Amlin for the Manager, to: • incorporate environmental, social

and corporate governance issues into its investment analysis and decision-making processes;

• encourage high standards of performance on environmental, social and corporate governance issues as an integral part of its engagement/dialogue and voting activities; • seek appropriate disclosure on

environmental, social and corporate governance issues by the entities in which it invests;

• promote responsible investment across the investment industry, and to work with other in achieving this goal; and

• report to Amlin on an annual basis on its responsible investment activities, in particular the four points above. This will be delivered to Amlin in an electronic format as specified by Amlin, within at least 10 business days from the year end.” Where Amlin invests in pooled funds, which does not require an IMA to be entered into, Amlin establishes the firm’s SRI philosophy by reviewing the documentation around such policies.

Taube Hodson Stonex, our equity fund manager, with close to £200 million of Amlin funds under management at year end, has a clear interest in environmental issues. Specific investments of our assets with a Clean Energy theme include nuclear utility companies EDF and Exelon, solar energy through Q-Cells and Orkla’s subsidiary Renewable Energy Corporation. We have also engaged with our pension trustees on the adoption of a similar SRI approach.

5: Reduce the environmental

impact of our business

In last year’s Annual Report, we undertook to measure the carbon footprint of Group companies over which financial control was exercised and results published in 2008.

For completeness, we elected to include employee commuting (determined by a survey which generated a 66% response), waste/recycling and water usage. These are generally included in FTSE company environmental audits but somewhat illogically not included in CO2 footprint

calculations. Amlin’s total CO2 per employee

was 6.19 tonnes inclusive of these factors, or 5.42 tonnes if compared with the scope of most FTSE calculations. This is within the estimated average CO2 range for a UK

financial services company of between 5.0 and 5.5 tonnes per employee. Air travel and electricity usage are Amlin’s greatest CO2 impacts. Since we added

512 new employees and six new offices to the Group during 2009, we are not yet in a position to set travel reduction targets for the Group as a whole. However, we propose to compare the 2009 carbon footprint of our existing business to that for 2008, with a view to reducing our impact over time. In late 2009 we leased additional office space in our St. Helen’s headquarters and are taking this opportunity to install sensor lighting and video conferencing facilities on both the new and existing floors. We regularly review the direct environmental impact areas under our control to reduce waste and energy usage and maximise recycling.

6: Report and be accountable

In July we engaged Deloitte LLP to carry out limited assurance on the compilation of our 2008 carbon footprint in accordance with the International Standard on Assurance Engagements 3000. The independent assurance statement, together with the basis of reporting and results summary is published on our website. Similarly our Carbon Disclosure Project and Climatewise submissions are available online.

Amlin has been a member of the FTSE4Good Index since 2003, a clear indicator that the company is recognised for its approach to corporate responsibility. For the first time, the ClimateWise Managing Committee commissioned Forum for the Future to carry out an independent review

employees in environmental sustainability. Amlin was selected as a best practice case study for the ClimateWise annual report.

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