Tokio Marine Kiln recognises the complex and immediate threat posed by climate change, which has far-ranging impacts on our business and on society. We are committed to adapting to this evolving landscape. We are taking action to underwrite and operate more sustainably and are investing in new product development to support a more sustainable world. Our areas of focus include:

  • Sustainable underwriting: We introduced sustainable underwriting principles to guide our decision making in January 2022, which rule out or restrict capacity for certain types of programmes or initiatives that are not in line with our broader goals. These include a commitment to not providing any new capacity to the operation or construction of: thermal coal mining, thermal coal power production, oil sands, or Arctic energy. A prohibited risks log is also maintained, which includes programmes and entities whose activities are not aligned with TMK’s organisational goals.
  • Net Zero Operations: We are evaluating how we can achieve a target of net zero across our internal operations in 2025.
  • Investing in innovation: We are investing in partnerships with insurtech firms to lead innovation in this area, whilst developing our knowledge and skills to ensure we can make a measurable impact now and in the future. Find out more here.
  • Fostering partnerships: We are partnering with industry to share our 60 years of risk expertise to support the transition and address these challenges together. For example, we are a founding member of the Sustainable Markets Initiative Insurance Task Force, which seeks to drive sustainability across the insurance industry and its supply chains. We are also a strategic advisor on the Sherbro Alliance sustainable development in Sierra Leone.
  • Governance: This work is overseen by our Sustainability Committee which actively addresses climate issues as well as social responsibility. The Climate Group reports to the Sustainability Committee quarterly, giving updates on how our climate strategy is developing and being executed.

Following the philosophy of our parent company Tokio Marine Group, which has supported customers for more than 140 years, we take our responsibility to climate change seriously. You can find the Tokio Marine Group climate strategy here.

Our Climate Policy

TMK has a core strategic priority to ‘be a Good Company’

Our vision is to be recognised as a responsible and ethical insurer that is positively influencing our internal culture, our society, and the environment.

Our climate policy outlines what this means internally and externally and details the seven key goals in our management of climate change.


TMK led the market on social commitments in a 2022 Sustainability Survey

TMK was named first overall for social commitments and placed second in its ranking for sustainability in a market survey led by The Insurer publication. 

The company was praised for its efforts on social commitments which includes inclusion & diversity, human rights and business ethics.

The survey is intended to capture sustainability attitudes and policies across syndicates at Lloyd’s.

Our Charities

We encourage and support all our employees to play an active part in fundraising activities for a wide range of charities. Our people have abseiled, run marathons, baked and fancy-dressed all in the name of raising money and awareness for a host of good causes.

TMK chose Guy’s and St Thomas’ NHS Foundation Trust (GSTT) as its charity partner for 2022 and 2023. GSTT is one of the UK’s leading providers of patient-centred care and pioneering treatment for people facing a cancer diagnosis. They provide exceptional care, develop new treatments, back world-leading research, and shape innovative approaches, such as helping long-term critically ill patients stay active and prepare for life after recovery.

During our partnership TMK raised a total of £185K through a series of fund-raising events.

Find out more about the work GSTT do here.

Woman rappelling down London high-rise building



TMK Donations: £100k TMK is focused on creating a better and more inclusive work environment for all. TMK has donated more than £100K to racial inclusion causes. This along with being a founding partner of the African-Caribbean Insurance Network (ACIN) since early 2019, supports our real commitment to become a more inclusive business.


TMK Donation: £250k TMK made a significant donation to NHS charities which supported young people with mental health challenges. It also helped fund a project to provide dedicated areas for respite for front line hospital staff during busy shifts and supplying iPad and video equipment, enabling patients to have video calls with their loved ones.

Inclusion and Diversity headline


We are active members of ClimateWise, the insurance industry initiative through which members aim to work together to respond to the myriad risks and opportunities of climate change.

TMK has representatives on the ClimateWise Insurance Advisory Council and attend the quarterly Managing Committee.