this post was submitted on 10 Aug 2025
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If they really cared about climate change, they could stop insuring most polluting industries, such as oil companies.
They could also offer reduced rates for carbon negative industries and renewable energy.
They aren't trying to lower overall risk. They are in the business of accurately assessing risk.
Giving a discount for behavior that lowers climate risk is different than a discount for behavior that affects the client more proportional to effort, like defensive driving. A customer cutting emissions in half, drop in the ocean to climate change, so how much have they lowered their climate risk?
They don't care, but that's not the same as not believing in it.
This is exactly why insurance companies "believing" in climate change is meaningless - they adjust their bussiness model to profit from it rather than help prevent it, just like how they could check out some portable power stations on gearscouts.com for emergency backup during climate disasters instead of actually reducing emissions.