Premiums4Good is an industry-first initiative started by QBE in 2016 where we allocate a portion of our customer premiums to impact investments that aim to create positive environmental and/or social change, alongside a financial return.
Through Premiums4Good, a portion of your insurance premium is allocated to investments that help make a positive difference, things like increasing renewable energy supply, reducing homelessness and improving education in remote communities.
It’s just another way we help in enabling a more resilient future.
Premiums4Good is regularly reviewed by QBE to ensure it continues to meet its objectives of delivering attractive risk adjusted returns, alongside environmental and social benefits. As such, adjustments may be made from time to time, including the amount of premium pool invested and the areas of impact invested in. QBE is not required to provide prior notice for adjustments, however all changes will be published on our website at Premiums4Good | QBE Insurance Group.
154 securities
Invested in by QBE as part of Premiums4Good as at 31 December 2025.
USD $2.4 billion
Financial value invested in Premiums4Good as at 31 December 2025.
Premiums4Good has a global reach. The below map indicates key geographical regions invested in through its pool of assets. Significantly, the Premiums4Good investment pool invests in developed and developing markets across the globe.
Through Premiums4Good, we aim to invest in 11 impact areas that help to address some of the world's most pressing environmental and social needs. These impact areas were chosen to align with the United Nation's Sustainable Development Goals (SDGs).
Premiums4Good supports our belief that we can deliver attractive risk adjusted returns, while also helping to change lives and care for the environment.
We allocate a portion of all customer premiums to impact investments including green, social and sustainability bonds, social impact bonds, and impact investment funds. These investments fund programs and projects that aim to make a positive impact for communities or the environment.
QBE no longer offers customers an option to opt-in 100% of their premium to Premiums4Good. In 2024, we increased the fixed percentage of premiums allocated to Premiums4Good from 5% to 7.5%. The increase reflects the value of premiums that our customers had opted in at the time of this change, in addition to the 5% fixed percentage. We made this change to make Premiums4Good easier for our customers and our people.
By choosing QBE as your insurer, your premiums are helping to make a positive difference.
QBE’s Impact and Responsible Investments approach guides our investment decision-making processes. Our aim is to scale our impact investments with integrity, through credible impact governance and investments selection.
Premiums4Good investment eligibility assessments are made through an internal framework and confirmed by our Classification of Social and Environmental Investments (COSEI) Committee.
Our Premiums4Good investment governance process, including the value and number of confirmed Premiums4Good investments, forms part of the annual limited assurance process conducted by PWC as part of QBE’s Sustainability Assurance process.
