What we do

“Climate change is
the single greatest threat
to a sustainable future but,
at the same time,
addressing the climate challenge presents a golden opportunity
to promote prosperity, security,
and a brighter future for all.”

-Ban Ki-Moon, Former Secretary-General of THE UN

the
problem

The climate crisis is now a financial crisis.

Insurance premiums are soaring. Insurance coverage is shrinking or disappearing entirely. Even if your company has not been impacted yet, the financial pressure is building across industries and regions.

And here is the hard truth: The premiums your company pays to protect itself are often invested in ways that make the problem worse. Most insurers still underwrite high-risk, carbon-intensive projects and invest hundreds of billions of dollars into the industries driving climate change. This accelerates disasters, increases losses, and sends costs even higher.

As a result, companies end up spending more for less coverage while unknowingly contributing to the risk they are trying to avoid.

But it does not have to work this way.

our
solution

Your insurance spend is already significant. With us, it can also be strategic.

Premiums for the Planet helps your company turn insurance from a cost center into a climate and resilience strategy. We unite the collective insurance spending of our members to create real leverage in the market. Together, we help companies like yours:

Lower Costs
Cut costs through streamlined policies, tailored coverage strategies, and collective leverage.

Fix Gaps
Identify overlooked exposures with expert brokers to ensure your policies actually match your business risks.

Protect Coverage
Safeguard your coverage in a volatile market, leveraging expert guidance and collective power.

Align Premiums
Direct your insurance dollars toward resilience—not risk.Turn a routine expense into a powerful climate solution.

The best part

We handle all the logistics, allowing your company to be part of a major climate solution with minimal effort and only the dollars you’re already spending on insurance.

our membership

Who should join?

Due to the scale of impact we are targeting, we are presently focused on serving organizations with:

  • Commercial insurance > $50,000/year

  • or > $50M in annual revenues

  • or > 100 employees/member organizations

  • or currently a portfolio company or member of our partner organizations such as: Climate Collaborative, Third Derivative, B Lab, and 1% for the Planet.

Why do organizations join?

Being a Premiums for the Planet member means that you can focus on operating your daily business while we tackle the hard work of changing global systems to work better for us all.

Simply put, our members receive the same or better coverage, at the same or better price, while their premiums are doing the extra work of rallying for better climate protections.

how to join

We help you see, and solve, what others overlook

  1. Free Risk Audit - We analyze your costs, coverage, and exposure.

  2. Custom Broker Match - We connect you to curated, vetted, top-tier partners.

  3. Join the Community - Effortless, no-cost membership with no disruption to your coverage.

What’s so special about PFP brokerage allies?

Our brokerage allies help ensure that our members receive the best coverage and costs. Meanwhile, we engage carriers to drive meaningful changes in investing and underwriting on behalf of all our members. No single broker, company, or insurance carrier can achieve this alone—we must work together to make this change happen. Premiums for the Planet convenes, coordinates, and leads a movement to harness the power of insurance for a more just and sustainable planet.

FAQs

  • Membership is free and offers your organization the opportunity to join a community of like-minded businesses committed to driving climate action through insurance. By becoming a member, your company gains access to valuable networking opportunities, resources, and a platform to amplify your sustainability efforts. Together, we’re making a collective impact far beyond individual business operations.

  • Our membership is completely free! We use only the money you already spend on insurance.

  • Premiums for the Planet exists to pool the premiums of like-minded businesses to advocate for more responsible investing and underwriting from insurance carriers, thereby combating climate change at a systemic level. By creating a movement through membership, we are able to instigate change from outside the confines and entrenched financial incentives of the established insurance system. Simultaneously, being a co-broker allows our select brokerage partners to continue providing best in class service and pricing to our members.

  • Members join to benefit from cost savings, reduced risk, and improved business resilience. By aligning your organization with a community committed to sustainability, you gain access to insurance solutions that support long-term growth, protect against climate-related risks, and help lower premiums. This proactive approach strengthens your business’s ability to withstand disruptions, ensuring both financial and environmental resilience.

  • We are currently focused on commercial property and casualty insurance, but do have resources to help with company health and benefits as well as nearly any other organizational insurance need. As our movement grows we plan to expand into other insurance markets, so if you’re interested in individual insurance, send us your info and we will reach out when we can meet your needs and exceed your expectations.

a movement is only as powerful as the people behind it. Meet the sustainability leaders walking the walk.